Head of Products - Remote

This is a remote-friendly role. H-1B, L-1, TN, etc.). Tapcheck's Platform organization is building the next generation of our core financial infrastructure across Money Movement, Risk, and the Execution Foundation. We're looking for a hands-on Senior Product Manager with deep payments and money-movement experience who can step into active work immediately and help us turn complex financial flows into products and platform capabilities that Engineering can build, operate, and scale.

You will work directly with Engineering and Product leadership from week one, taking ambiguous problems and existing initiatives, pressure-testing requirements, identifying gaps, making product decisions, and driving them through implementation.

The initial focus will include Payments, ACH and bank rails, Payouts/Disbursements, Repayments, Card, Payment Orchestration, Settlement/Reconciliation, and Risk & Fraud. The role is intentionally broad because the Platform team is working across multiple connected money-movement capabilities.

Pressure-test existing requirements and designs across Payments, Repayments, Card, Orchestration, Payouts, Settlements/Reconciliation, and Risk & Fraud, identifying missing requirements, edge cases, conflicting assumptions, and unresolved product decisions

Partner directly with Engineering to translate complex business and financial requirements into clear PRDs, functional requirements, workflows, state transitions, API requirements, acceptance criteria, and launch criteria

Work at the transaction level when necessary, understanding payment states, processor responses, retries, returns, failures, reconciliation issues, and operational exceptions

Help define how money moves through the platform across funding, authorization, debit/credit, processing, settlement, payout, recovery, and exception flows

Partner with Risk, Legal, Compliance, Finance, Data, Operations, and Engineering to ensure product decisions account for financial correctness, risk, regulatory requirements, operational impact, and customer experience

Drive active initiatives including Risk, Payouts, and related Money Movement workstreams

Use data and operational signals to identify problems and measure outcomes, including payment success/failure, loss, recovery, payout performance, reconciliation breaks, cost, and operational volume

Surface risks and unresolved decisions early, make recommendations, and drive issues to resolution

Flex across Platform workstreams as priorities evolve, moving between a payment-rail problem, a payout failure, a reconciliation issue, or a risk-decisioning requirement without needing a long ramp

Spent 8+ years in product management, with substantial hands-on experience in payments, money movement, financial infrastructure, fintech, or risk

Directly owned payment or money-movement products and flows, personally shipping products involving payment rails, bank transfers, cards, payouts, repayments, payment orchestration, settlement/reconciliation, or transaction risk

Built deep expertise in at least one payments or money-movement domain, with the ability to understand the underlying transaction flow and system behavior, not just the customer-facing experience

Worked directly with payment rails, processors, banks, or PSPs such as ACH, RTP, card networks/processors, or bank payment infrastructure

Translated ambiguous problems into engineering-ready product requirements and worked closely with engineers through implementation

Demonstrated strong technical fluency, comfortable discussing transaction lifecycles, state machines, APIs, events/webhooks, retries, idempotency, processor integrations, reconciliation, settlement, and failure handling

Used payment, risk, financial, or operational metrics to make product decisions

Communicated effectively in writing and in person across Engineering, Risk, Legal/Compliance, Finance, Data, and Operations

Worked across multiple areas of money movement, such as ACH/bank rails, cards, payouts, payment orchestration, settlement/reconciliation, repayments, or fraud/risk decisioning

Built or operated payment platforms, payment orchestration, routing, multi-processor integrations, or money-movement infrastructure

Worked with payment exceptions, returns, retries, reversals, refunds, disputes, reconciliation, or recovery flows

Worked with risk/fraud decisioning engines or financial controls

Worked in Earned Wage Access, consumer lending, wage advance, payroll, or adjacent financial products

Worked in a platform organization or built 0→1 financial infrastructure

Operated products where reliability, financial correctness, transaction success, loss, recovery, and basis-point economics matter

Can sit with an engineer and discuss the implications of a transaction state, timeout, retry, processor failure, or reconciliation break

Don't stop at writing the PRD, and stay close through implementation and launch

Are comfortable pulling data, investigating failed transactions, and figuring out what is actually happening

Can distinguish a product problem from a technical problem, an operational problem, and a risk problem

Enjoy complex financial infrastructure rather than being intimidated by it

Not a project manager role

We're looking for someone who already knows payments and can immediately help us build better payment infrastructure.

Engagement : Direct contract with Tapcheck. Initial term: 90 days, with the option to extend based on performance and business need.

Reporting to: Senior Director of Product, Platform.

Location : Remote, Central or Pacific time zones.

Tapcheck is a digital platform offering an easy and convenient way to access on-demand earnings early. Available at no cost to employers, our app-based on-demand pay solution helps relieve the financial stress that many employees experience on a daily basis.

The Tapcheck team is passionate about our mission to improve financial wellness and boost business productivity. By giving workers the ability to transfer wages they've earned directly to their bank account or pay card without waiting for payday, Tapcheck eliminates the need for high-interest payday loans or employer-funded cash advances.

Raising the Bar: Continuous improvement is at the heart of our culture. Striving for Growth: We foster an environment that encourages personal and professional development. We're changing how Americans access their pay, giving workers financial flexibility without the debt trap of payday loans.

Humility, grit, and a genuine drive to raise the bar, every day.

Contract rate is competitive and commensurate with experience. Tapcheck, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.