Senior Product Owner, Cash and Liquidity

About Us DriveWealth is on a mission to make investing easier. We believe that everyone should have the ability to control their financial future, and that access to financial markets should not be limited by geography, wealth, or legacy systems. We are a global B2B financial technology organization dedicated to democratizing access to financial independence around the world. Our mission is realized through an API-based platform, empowering our partners to offer seamless investing and trading experiences to clients worldwide, all from their mobile devices. Our technology provides partners with a modern, extensible toolkit, enabling traditional investment workflows and innovative techniques like fractional share ownership. DriveWealth has evolved into a global platform offering trading of US equities, mutual funds, ETFs, fixed income, and options. About Us DriveWealth is on a mission to make investing easier. We believe that everyone should have the ability to control their financial future, and that access to financial markets should not be limited by geography, wealth, or legacy systems. We are a global B2B financial technology organization dedicated to democratizing access to financial independence around the world. Our mission is realized through an API-based platform, empowering our partners to offer seamless investing and trading experiences to clients worldwide, all from their mobile devices. Our technology provides partners with a modern, extensible toolkit, enabling traditional investment workflows and innovative techniques like fractional share ownership. DriveWealth has evolved into a global platform offering trading of US equities, mutual funds, ETFs, fixed income, and options. There's never been a better time to build a category-defining business and there has rarely been a team better positioned for this opportunity. Our culture blends the pace and agility of a fintech start-up with the impact, stability, and discipline of Wall Street. We encourage creativity and experimentation while ensuring institutional-grade execution and regulatory compliance in everything we do. Join us and help build the future of global investing! About The Role We’re looking for a Senior Product Owner, Cash & Liquidity Management (CLM) to own DriveWealth’s money movement and settlements product area end-to-end – deposits, withdrawals, instant funding, settlement and the adjacent cash management capabilities that support them. This is a senior product role focused on domain ownership and execution. You’ll own the roadmap and personally drive delivery across multiple workstreams in parallel, partnering with fellow product owners to raise the standard of work shipped across the team. This role sits at the forefront enabling our partners and their customers to invest. You’ll unify what is today a set of important but fragmented initiatives so partners get reliable, predictable money movement and settlement that scales as we expand globally into new asset classes and new markets. You’re expected to provide early signals on changing payments and regulatory frameworks rather than react after the fact. You’ll work across partner-facing, engineering, and operations teams, and represent CLM in product reviews, partner conversations, and leadership discussions. Success is measured by partner adoption and production usage of your capabilities – not by ship dates or volume of documentation alone. You’ll thrive in this role if you bring: Excitement about growing your impact through scope and influence across Cash & Liquidity, rather than through team size A track record of owning and shipping multiple workstreams in parallel over the last 2-3 years – not just setting vision and facilitating tradeoffs Hands-on experience defining and delivering new products and capabilities, not just documenting requirements and user stories for others to figure out An ownership mindset with the goal to take over an in-flight money movement and settlements roadmap from day one, without a lengthy ramp-up What You’ll Do Own the product vision, roadmap, and success metrics for money movement, settlements and adjacent cash management and tax capabilities Personally execute across multiple in-flight workstreams in parallel – not just sequencing them from above, but shipping work yourself on the most strategically important ones Rationalize how we expose money movement and settlement APIs and internal systems in support of our partner’s differing operating models, geographies and funding flows Drive build-vs-buy, partner-vs-direct, prioritize tradeoffs, and re-sequence the roadmap under real constraints (regulatory deadlines, partner needs, engineering capacity) Partner deeply with engineering, partner management, operations, treasury, and other domains to prioritize initiatives to balance regulatory risk, operational load, revenue impact, and time-to-market Lead discovery with partners and prospects – understand blocking requirements, translate needs into sequenced roadmaps, push back on requests that don’t fit the platform, and communicate honest timelines and scope Support global expansion of money movement capabilities as DriveWealth grows its partner footprint, including regional payment rails and jurisdiction‑specific rules Define and monitor adoption across the area – settlement success rate, time‑to‑funding, ACH return rate, instant‑funding utilization, partner‑reported blockers – and be willing to rework or sunset features that don’t drive adoption or business growth Raise the standard of work shipped across Cash & Liquidity: mentor peer product owners, set the quality bar, and unblock adjacent teams You Bring 7+ years of experience in product management, engineering, consulting, or founding a startup, with ownership in payments, settlement, treasury, or brokerage clearing infrastructure Demonstrated end‑to‑end ownership of multi‑faceted initiatives and delivering to production at scale. A track record of setting and executing an area‑level roadmap across multiple in‑flight workstreams in parallel, not just shipping a single product Proven ability to operate as a senior product owner who raises the standard around them – mentoring peers, setting the quality bar, and representing the area in cross‑functional and leadership forums without holding a manager title Exceptional written and verbal communication, with the ability to run partner‑facing conversations, regulator‑adjacent forums, and internal leadership updates Experience analyzing data using SQL and relevant BI tools Experience using AI tools to accelerate product discovery, definition, and development Bachelor’s degree in computer science, engineering, finance, or equivalent experience FINRA Securities Industry Essentials (SIE) completion, or a commitment to acquire within the first year (with support from your Manager) Special Knowledge (Nice To Have, But Not Required) Experience standing up money movement or settlement programs from scratch, not just iterating on inherited ones Familiarity with the B2B2C correspondent / broker‑as‑a‑service model, where partners are the primary customers and end retail customers sit upstream Deep understanding of U.S. payments and clearing regulatory frameworks, exposure to global payment rails outside the U.S. Experience unifying fragmented money movement or settlement stacks behind consistent APIs and data models Background in broker‑dealer treasury or clearing operations (reconciliation, exception handling, regulatory reporting) and identifying automation opportunities An AI‑native product mindset – regular use of tools like Claude, ChatGPT, or similar for PRD drafting, customer‑call synthesis, data exploration, and prototyping Location This role is open to candidates in the following locations: New York City, NY / Chicago, IL This role is expected to come into the office on a cadence set by the Hiring Manager/Team. If you're not based in one of the locations listed above, this role is not a fit, and we cannot accommodate remote work outside these locations. Applicants must be authorized to work for any employer in the U.S. DriveWealth does not sponsor or take over sponsorship of an employment visa at this time. Pay Range $190,000 – $210,000 USD Working at DriveWealth We do our best work when we're in the same room. To maintain the speed our partners expect, our New York, Chicago, and Lithuania teams work in office on a hybrid schedule. We've found that being physically side‑by‑side is the only way to solve complex problems in real‑time and stay truly accountable to the products we ship. When you're here, you're working directly with the people making the decisions. competitive compensation, equity, and a 401(k) match Medical insurance Dental insurance Vision insurance Disability insurance Paid Parental Leave wellness reimbursement company‑provided phone personal development allowance Paid Time Off (PTO) observed holidays Work Authorization Applicants must possess the legal right to work in the country where the position is located at the time of application. DriveWealth requires all employees to provide original documentation verifying their work authorization on or before their first day of employment. For US-based roles: Applicants must be currently authorized to work in the United States on a full‑time basis without the need for current or future visa sponsorship. DriveWealth does not provide visa sponsorship or support for employment authorization, including transfers, at this time. Offers of employment are strictly contingent upon an individual’s ability to secure and maintain the legal right to work at the Company. How We Think About AI We leverage AI to work smarter and move faster. We seek AI‑curious talent who are proactive about using emerging tools to increase signal quality, reduce friction, and improve outcomes to deliver products faster, provide better service to our partners, and to streamline processes. Your ability to leverage our internal tools and technology to drive results is as important to us as your core domain expertise. Compensation Pay is generally based on the level, complexity, responsibility, location, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a recruiter about our compensation philosophy and other available benefits. This role is eligible for base, bonus, equity, 401(k) match, and heavily subsidized benefits and perks. Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Agency Disclaimer DriveWealth does not accept agency resumes. Do not forward resumes to our jobs alias, employees, or any other organization location. DriveWealth is not responsible for any fees related to unsolicited resumes. #J-18808-Ljbffr DriveWealth