Director of Product Operations, Payments and Core Account Services – 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

The Director of Product Operations – Payments and Core Account Services 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. 

Platform and Core Services Management: 

Oversee the daily operations of core account services platforms, ensuring optimal performance, uptime, and scalability. 

Lead platform migrations, upgrades, and integrations with minimal customer impact. 

Establish and maintain documentation, controls, and knowledge sharing for platform operations. 

Team Building and Leadership: 

Build, mentor, and inspire a high-performing product operations team with a culture of ownership, accountability, and excellence. 

Establish clear team goals, performance metrics, and development plans that foster professional growth and operational mastery. 

Recruit, train, and retain top operational talent, ensuring diverse skills and expertise meet current and future business needs. 

Promote cross-functional collaboration, transparent communication, and a commitment to customer-centricity. 

Role Requirements: 

Bachelor’s degree in business, Operations, Finance, Information Systems, or a related field; Master’s degree or equivalent experience preferred. 

10+ years of experience in banking operations, payments, core account services, or financial services product operations, with at least 5 years in a leadership role. 

Deep knowledge of US based lending products, card issuing and digital wallets 

Deep knowledge of US payment systems (ACH, wires, RTP, card networks), banking regulations, and compliance requirements. 

Proven experience managing operational risk, fraud prevention, incident response, and regulatory audits. 

Strong technical acumen, with a solid understanding of core banking platforms, APIs, digital wallets, and embedded finance ecosystems. 

Track record of leading large-scale operational improvement projects and successful product launches. 

Exceptional analytical, problem-solving, and decision-making skills, with experience using data to drive operational outcomes. 

Outstanding communication, negotiation, and stakeholder management abilities. 

Demonstrated ability to build and lead high-performing teams in a fast-paced, dynamic environment. 

We make financial services accessible to humans everywhere. Join us for what’s next. 

Western Union is positioned to become the world’s most accessible financial services company —transforming lives and communities. We’re a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward. 

  

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people at https://careers.westernunion.com/ 

  

Salary 

The base salary range is $150,000 – $225,000 per year, total on target compensation includes a base salary plus short-term and long-term incentives that align with individual and company performance. 

Benefits 

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few (https://careers.westernunion.com/global-benefits/).

Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment. 

  

Your United States – Specific Benefits Include 

Flexible Time off   

Medical, Dental and Life Insurance  

Tuition Assistance Program  

Parental Leave  

One day volunteer time off  

$0 Money Transfer Fee Discount Code – Quarterly  

Recognition Program “Game Changers”  

Employee Discount Program  

Global Adoption Assistance  

Global Scholarship Awards Program  

4% Western Union Contribution to 401K 

  

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.   

  

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week.  

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania: Please do not respond to any questions on this initial application that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials you submit during the application process. You will not be penalized for redacting or removing this information. 

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws. 

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Estimated Job Posting End Date:

08-22-2025

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.