Description ABOUT THIS ROLEWe are seeking a Wallet & Card Program Manager to lead the strategy, design, and technical implementation of our digital wallet, deposit account and debit card programs in the United States. This role sits at the intersection of product, payments technology, and U.S. banking regulation, and will own the end-to-end lifecycle of wallet and card solutions - from product vision through sponsor bank, processor and network integration, to launch and optimization.
The ideal candidate combines strong product thinking with hands-on understanding of sponsor bank (BaaS) programs, card issuing and U.S. payment rails, digital wallets and core banking integrations
ROLES & RESPONSIBILITIES- Define and execute the strategic roadmap for Deposit Accounts (checking and savings), Debit Cards, and Digital Wallet capabilities, aligning with company growth strategy, U.S. regulatory requirements, and market opportunities
- Continuously evaluate U.S. market trends, competitive neobank and fintech offerings, and customer needs to identify opportunities for new product features and monetization models (interchange, subscriptions, deposit economics).
- Design and oversee the end-to-end card and wallet ecosystem architecture, integrating internal systems with sponsor bank, core banking/processor, card network and other fintech partner platforms
- Drive end-to-end testing and validation to ensure Accounts and Card functionalities operate seamlessly across all platforms during each product implementation and release
- Prioritize initiatives and maintain a structured product backlog and delivery roadmap balancing regulatory, operational, and customer experience needs.
- Gather and prioritize requirements from internal stakeholders including business, operations, compliance, and customer support
- Define functional requirements and translate business requirements into clear product specifications for core banking capabilities supporting deposit accounts and cards
- Drive innovation in wallet functionality, including card controls, real-time payments (RTP / FedNow), ACH and direct deposit, tokenized payments (Apple Pay / Google Pay), APY-bearing savings, remote check deposit, cash load networks and integration with cross-border remittance.
- Manage strategic relationships with sponsor banks, card schemes (e.g., Visa / Mastercard), card processors, and other payment infrastructure providers
- Partner with Compliance, Legal and the sponsor bank to ensure programs meet U.S. requirements, including Regulation E, Regulation DD, Regulation II (Durbin), BSA/AML, OFAC, FDIC pass-through insurance, CFPB/UDAAP expectations and card network operating rules
- Define and manage the full product lifecycle of Deposit Account and Card products
- Ensure operational teams have the processes, tools, and documentation needed to support payment products effectively
- Ensure strong program governance, tracking delivery progress, managing risks, and ensuring timely resolution of blockers
COMPETENCIES- Strategic thinking with strong execution mindset
- Strong technical fluency
- Structured program management
- Data-driven decision making
- Vendor management expertise
- Excellent stakeholder communication skills
POSITION REQUIREMENTS - 5+ years in fintech, payments, or digital banking, ideally in the U.S. market
- Hands-on experience with U.S. debit card issuing programs and digital wallet integrations
- Experience working with sponsor banks / Banking-as-a-Service (BaaS) partners, third-party processors and core banking platforms
- Working knowledge of U.S. payment rails (ACH, RTP / FedNow, debit networks) and consumer banking regulation (Reg E, Reg DD, Reg II, BSA/AML)
- Ability to translate strategy into scalable products
- This is a high-impact role for someone who can bridge product vision and technical execution to build best-in-class wallet and card experiences
PERKS & BENEFITS
- Medical, Dental & Vision Insurance
- 401K Plan with Match
- Employee Stock Purchase Plan
- Paid Vacation / Sick Leave
- Hybrid Work Schedule
- Tuition Assistance
- Growth Opportunities
- Corporate gatherings, team bonding events, and much more!
Ria Money Transfer offers a competitive salary and benefits package. The reasonable estimated pay for this (Salary Exempt or Non-exempt hourly rate) role ranges from ($100,000USD to $125,000USD). Actual compensation is based upon factors such as the candidate's skills, qualifications, and experience. In addition, Ria Money Transfer offers comprehensive and inclusive employee benefits for this role including healthcare, dental and vision benefits, a 401(K) plan, Paid Vacation/ Sick Leave and more.
Check out our website to learn more about the company at: http://www.riamoneytransfer.com/
The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company's right to assign or reassign duties and responsibilities to this job as needed.
