Director of Product Operations, Embedded Finance and Ecosystems

Director of Product Operations, Embedded Finance and Ecosystems – New York, NY or Miami, FL

Are you customer obsessed and passionate about building products and experiences that support the financial needs of a global population? How about offering up your technical skills in a business that is committed to moving money for better? If you are interested in joining a globally diverse organization where our high impact contributions are recognized and celebrated both by our customers and our leadership, allowing each of us to thrive, then it is time to join Western Union as a Director of Product Operations. 

Western Union powers your pursuit

Director of Product Operations, Embedded Finance and Ecosystems will play a pivotal role in shaping and executing the product operations strategy for our US ecosystem products. This leader will be responsible for driving product operational excellence of our digital wallet, payment systems and core account platforms. You will ensure robust risk controls, fraud management, seamless daily execution, and forward-looking enhancements for a wide array of embedded financial services.  

The position places a particular emphasis on supporting both digital and retail channels, including wallet products, to deliver secure, compliant, and innovative experiences for our US based customers with global payment and banking needs. 

Role Responsibilities:

• Product Operations Leadership and Management: 

  • Oversee end-to-end product operations for core account services, payment wallet and embedded finance products driving operational efficiency, scalability, and reliability. 

  • Develop and implement product requirements and directions that influence internal policies and procedures. Drive product improvements that ensure compliance with regulatory standards and best practices with the KPI to remain safe and secure for our customers. 

  • Act as the product operational subject matter expert for payments, account origination, account maintenance, settlement, clearing, and reconciliation. 

  • Champion product automation and digital transformation initiatives to enhance the speed and accuracy of operational workflows. 

  • Manage internal and external product operations, ensuring seamless integration and performance across multiple platforms and channels. 

  • Serve as the US Eco-systems primary product operations liaison between other product team, engineering, compliance, risk, and external partners to align operational goals and deliverables.

• Product Operations: 

  • Oversee product operational readiness for Embedded Finance products and services for the ecosystems team, managing launches, upgrades, migrations, and sunsetting, ensuring minimal business disruption. 

  • Monitor and report on key product operational metrics, drive root cause analysis for issues, and execute rapid response plans to uphold service excellence. 

  • Define and create the requirements for comprehensive fraud prevention and risk management strategies tailored to our payments and core account services, including limit management and working in collaboration with our internal partners and teams to implement those requirements. 

  • Collaborate with data analytics and engineering teams to build real-time monitoring tools and incident response frameworks. 

  • Ensure all products and operations are compliant with relevant regulations (e.g., BSA/AML, Reg E, Reg Z, NACHA, PCI DSS) and industry standards. 

  • Lead investigations of suspicious activities, partner with legal and compliance teams to execute periodic risk assessments. 

• Enhancement and Innovation Planning: 

  • Identify opportunities for product, platform, and operational enhancements that align with evolving customer needs and market trends. 

  • Collaborate with product management to define requirements for new features, process improvements, and technological upgrades. 

  • Drive continuous improvement initiatives, proactively anticipating operational risks and ensuring solutions are scalable and future-proof. 

  • Foster a culture of innovation, encouraging the team to challenge the status quo and explore emerging payment and account technologies. 

• Embedded Financial Services Operations: 

  • Own the operational delivery of embedded financial services products across digital and retail channels, including Ecosystems, wallet integrations and API-based offerings. 

  • Work with partner banks, fintechs, and third-party vendors to ensure operational standards and SLAs are met consistently. 

• P