Product Manager, Payments

This position can be based out of San Francisco or New York. 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 exper