产品经理，支付
Product Manager, Payments
## **职位概述**
Modern Treasury 正在招聘一名产品经理，帮助构建和扩展我们的支付产品。支付功能使公司能够在全球范围内转移资金。你将负责核心功能，如企业如何注册、验证身份、满足合规要求、访问支付渠道以及通过 Modern Treasury 管理法币和稳定币的流动性。你将使用先进的 AI 工具和领先的工程及客户支持团队，将产品变为现实。
作为支付产品经理，你将与工程、合规、合作伙伴和客户支持团队合作，交付为经济中最大和增长最快的公司提供支付支持的基础架构。Modern Treasury 通常是客户使用的最关键基础设施，支付产品是资金实际流动的核心。
我们寻找曾构建过支付产品的候选人，并对深入研究资金流动的完整生命周期充满热情——从客户的首次注册时刻，到在美国和国际渠道上的实时大规模支付。
## 关于 Modern Treasury
Modern Treasury 提供可信赖的资金流动基础设施。该公司帮助团队在几天而不是几个月内推出和扩展支付体验。凭借一流的开发者工具和一个用于法币和稳定币的单一 API —— 加上内置的合规、记账和报告功能，Modern Treasury 让企业可以即时、可靠且大规模地移动资金。
## **职位描述**
作为支付产品经理，你将负责构成 Modern Treasury 支付产品的各项功能。你将在可能的情况下利用 AI，并推动 AI 驱动产品执行的边界。你将负责研究、设计和交付与以下内容相关的功能：
- **注册与合规**：你将帮助管理客户及其终端用户快速且安全地注册平台的体验。你将设计减少首次付款时间的注册流程，同时满足银行、合作伙伴和监管机构的要求。你还将与我们的合规和风险团队紧密合作，将 KYC、KYB、制裁和其他监管要求转化为产品。
- **支付渠道**：你将深入研究支撑支付的渠道设计 —— 包括国内方案如 ACH、电汇和 RTP，国际和跨境渠道，以及包括稳定币在内的新兴选项。你将优先考虑...
查看英文原文
## **OVERVIEW**
Modern Treasury is hiring a Product Manager to help build and grow our Payments product. Payments enables companies to move money across the world. You will own core capabilities like how businesses get onboarded, verify identity, meet compliance requirements, access payment rails, and manage liquidity over fiat and stablecoin, all through Modern Treasury. You’ll bring products to life using advanced AI tools and leading engineering and customer-facing teams.
As a Product Manager on Payments, you will work with engineering, compliance, partnerships, and customer-facing teams to ship the infrastructure that powers payments for some of the largest and fastest-growing companies in the economy. Modern Treasury is often the most critical piece of infrastructure our customers use, and the Payments product sits at the center of how money actually moves.
We are looking for someone who has built payments products before and is excited to go deep on the full lifecycle of money movement — from a customer's first onboarding moment through real-time payments at scale, across both US and international rails.
## ABOUT MODERN TREASURY
Modern Treasury provides trusted infrastructure for money movement. The company helps teams launch and scale payment experiences in days, not months. With best-in-class developer tools and a single API for fiat and stablecoins—plus built-in compliance, ledgering, and reporting—Modern Treasury enables businesses to move money instantly, reliably, and at scale.
## **ABOUT THE ROLE**
As a Payments Product Manager, you will own products that make up Modern Treasury's Payments offering. You will leverage AI where possible and push the envelope of what AI-enabled product execution looks like. You will be responsible for researching, designing, and delivering products related to:
- **Onboarding & Compliance**: You will help manage the experience of getting customers and their end users onto the platform quickly and safely. You will design onboarding flows that reduce time-to-first-payment while meeting the requirements of banks, partners, and regulators. You will also work closely with our compliance and risk teams to translate KYC, KYB, sanctions, and other regulatory requirements into product.
- **Payment rails**: You will go deep into the design of the rails that power payments — domestic schemes like ACH, wire, and RTP, international and cross-border rails, and emerging options including stablecoins. You will prioritize which rails to add and how to expose them in a unified, reliable way. You will also work with Customer Success and Support teams to ensure reliability and good support in cases of incidents.
- **Liquidity**: You will help define how funds are funded, held, and moved so that customers can settle payments efficiently. You will work on the product capabilities that give customers visibility and control over balances and liquidity across accounts and rails. In this role, you’ll interface with existing bank partners and stablecoin partners, and help scale the Payments across geographies.
## **WHO WE'RE LOOKING FOR**
- **AI Fluency:** You will help build and run AI-native workflows across the business. This is a hands-on, business-first role: you will identify inefficiencies, scope solutions, and use the best AI tools available to create compounding leverage for the team. You do not need to train models, but you should be fluent in applying modern AI tools to real business problems.
- **Payments experience**: You have built payments products before and are familiar with both US and international payments. You understand how rails work end to end and what it takes to move money reliably at scale.
- **Cross-border expertise**: Ideally, you have experience with both US and international cross-border payment rails, and you understand the operational and regulatory realities of moving money across borders.
- **Interest in or experience with stablecoins**: You have experience with, or a strong interest in, stablecoins. You’ve studied how they work, and have opinions about how they fit into the future of global money movement.
- **Technical fluency**: You relish going deep with engineers on the details of payment systems. You are technical-literate — you can read API docs and bank or scheme specs — and you are comfortable diving into data, including SQL, while knowing when not to.
- **Customer obsession**: You want to spend a ton of time with customers and prospects, understanding their business models, flows of funds, and the support they need. You can translate those needs into clear engineering requirements.
- **Ownership at scale**: You have a track record of shipping and iterating on products and are comfortable with a dynamic, responsive roadmap driven by the demands of customers and partners. You can work across compliance, partnerships, sales, and customer success to deliver.
_Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics._
_Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S._