Lead Product Manager, Money Movement & Settlements

🕒 il y a 17 jours

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Alpaca

Site WebLinkedInTous les Emplois

201 - 500 employés

🔌 API

💳 Fintech

₿ Crypto

API • Fintech • Crypto

Alpaca est une fintech qui propose une plateforme complète de courtage et de trading via une suite d’API. Ces API permettent aux développeurs et aux entreprises d’intégrer le trading algorithmique, le développement d’applications et l’investissement embarqué à leurs services. Alpaca propose des services tels que le trading d’actions américaines, d’ETF et de cryptomonnaies, avec des options de transactions dans la devise locale. L’entreprise est reconnue pour ses pratiques de cybersécurité et est membre de la FINRA et de la SIPC. Alpaca s’adresse idéalement aux startups fintech, aux courtiers-négociateurs (broker-dealers), aux hedge funds et à d’autres acteurs des services financiers qui souhaitent créer des applications et des plateformes de trading avancées, avec un minimum de frictions, grâce à leur Broker API bien documentée.

Description

• Own the product vision, roadmap, and success metrics for the entire money-movement and settlements area - settlements (JIT, instant funding, post-trade, prefunding), funding rails (US and non-US ACH, wires, RTP, FedNow, regional rails), and ancillary products (HY Cash, FPSL). • Personally execute across multiple in-flight lanes in parallel - not just sequencing them from above, but shipping work yourself on the most strategically important ones. • Rationalize how we expose money-movement and settlement APIs and internal systems - including where a single settlement surface must flex for different partner operating models, geographies, and funding flows. • Drive build-vs-buy, partner-vs-direct, and onshore-vs-offshore tradeoffs across the area; re-sequence the roadmap under real constraints (regulator deadlines, partner asks, eng capacity). • Partner deeply with engineering, broker-dealer operations, treasury, compliance, legal, partnerships, success, and sales to prioritize initiatives that balance regulatory risk, operational load, revenue impact, and time-to-market. • Lead discovery with partners and prospects - understand blocking requirements, translate needs into sequenced roadmaps, push back on asks that don’t fit the platform, and communicate honest timelines and scope. • Shape pricing and packaging inputs where money-movement and settlement products imply different operational handling - working with commercial and treasury stakeholders so what we sell matches what we can deliver and support at scale. • Support global expansion of money-movement capabilities as Alpaca grows its regional broker-dealer footprint - including regional payment rails, FX corridors, and jurisdiction-specific rules (US / non-US). • Define and monitor adoption across the area - settlement success rate, time-to-funding, ACH return rate, instant-funding utilization, partner-reported blockers, operational throughput; willing to sunset or rework features that don’t drive adoption rather than calling them done at launch. • Raise the standard of work shipped across the money-movement and settlements area - mentor peer PMs, set quality bar, unblock adjacent teams.

🎯 Exigences

• 10+ years of experience in Product Management, Engineering, Consulting, or starting a startup, with senior IC ownership in regulated payments, settlement, treasury, or brokerage clearing infrastructure. • Demonstrated end-to-end ownership of money-movement or settlement surfaces at production scale - at least two of: ACH / wire / RTP / FedNow rails, post-trade settlement, JIT or instant funding, prefunding, FX corridors, or broker-dealer clearing flows. • Direct experience navigating US payments and clearing regulatory frameworks - NACHA ACH operating rules, Federal Reserve oversight, FINRA / SEC clearing and customer-protection rules, OFAC screening, AML / BSA obligations as they touch money movement. • Track record of setting and executing an area-level roadmap across multiple in-flight workstreams in parallel - not just shipping a single product. • Proven ability to operate as a senior product owner who raises the standard around them - mentors peers, sets quality bar, represents the area in cross-functional and leadership forums without holding a manager title. • Exceptional written and verbal communication; ability to run partner-facing conversations, regulator-adjacent forums, and internal leadership updates. • Experience analyzing data using SQL and a relevant BI tool. • Bachelor’s degree in computer science, engineering, finance, or equivalent.

🏖️ Avantages

• Competitive Salary & Stock Options • Health Benefits • New Hire Home-Office Setup: One-time USD $500 • Monthly Stipend: USD $150 per month via a Brex Card