Sr. Principal Product Manager, Agentic Commerce & Payments

At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze®, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.

Early Warning follows a hybrid work model to allow for a more collaborative working environment.

Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

Overall Purpose

The Senior Principal Product Manager is a senior individual contributor responsible for defining, developing, and executing the strategy for a portfolio of products aligned to a customer segment and/or product solution. This role serves as a hands-on product leader who drives clarity around customer pain points, translates strategy into actionable product direction, and partners closely with cross-functional teams to deliver innovative, high-impact solutions that delight customers.

This position operates through influence rather than formal people management, providing product vision, strategic direction, and execution leadership across technology, design, analytics, marketing, sales, risk, and operations.

Essential Functions

Product Strategy & Thought Leadership

- Owns and evolves product strategy, vision, and roadmap for a portfolio of products aligned to customer and business outcomes.
- Builds strong alignment across executives, cross-functional partners, and external stakeholders through clear articulation of product strategy, tradeoffs, and priorities.
- Serves as a recognized subject matter expert and thought leader within the product domain.

Customer Passion and Advocacy

- Proactively assesses customer needs and pain points across the product portfolio to maximize customer value and satisfaction.
- Synthesizes qualitative and quantitative feedback into actionable insights that inform product decisions.
- Champions the customer perspective throughout product discovery, delivery, and iteration.

Driving Outcomes & Execution

- Works closely with marketing, sales, analytics, design, and technology partners to define go-to-market strategies and drive product adoption, revenue, and client outcomes.
- Owns product success metrics including financial performance, adoption, customer satisfaction, and net promoter scores.
- Ensures disciplined execution against the roadmap while managing dependencies and tradeoffs.

Technical & Delivery Partnership

- Partners deeply with engineering and architecture teams to deliver scalable, secure, and resilient solutions.
- Clearly defines product requirements, writes and grooms user stories, and participates actively in agile ceremonies.
- Brings strong technical fluency to discussions, enabling informed decision-making without direct coding responsibility.

Risk, Compliance, and Governance

- Ensures product designs incorporate appropriate risk management, security, and regulatory controls.
- Partners with legal, compliance, and risk teams to ensure adherence to applicable laws, regulations, and governance standards.
- Balances innovation with operational resilience and risk mitigation.

Enterprise Influence & Collaboration

- Leads through influence by aligning diverse stakeholders, breaking down silos, and facilitating decision-making across the enterprise.
- Mentors and coaches peers and junior product managers informally through knowledge sharing and best practices (without formal people management responsibility).

Minimum Qualifications

- Bachelor’s degree or equivalent combination of education and experience
- 15+ years of related professional experience in product management, product strategy, or a closely related field
- Demonstrated expertise in design thinking and agile development methodologies
- Proven experience defining product strategy, roadmaps, and delivering products that meet revenue and adoption goals
- Strong track record of cross-functional collaboration and executive-level influence
- Excellent analytical, communication, and execution skills
- Background and drug screen

Preferred Qualifications

- Master’s degree
- Certifications in design thinking and/or agile methodologies
- Experience in payments, financial services, or other highly regulated industries
- Experience operating as a senior individual contributor in a complex, matrixed organization

Agent Commerce

- Owns the strategy, positioning, and messaging framework for Agentic Commerce.
- Serves as the subject matter expert for our Agentic Commerce vision and solution.
- Drives alignment and adoption across financial institutions, ecosystem partners and merchants, ensuring alignment and maximizing adoption.
- Engage with ecosystem partners and stakeholders to align standards and foundation of agentic commerce transactions flows.
- Develop long term vision and roadmap for agentic commerce.
- Partners with cross-functional teams to ensure changes deliver customer value while protecting the integrity of the broader Paze ecosystem.

Physical Requirements

Working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling, and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Requires the ability to communicate with internal and/or external customers. Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.

Candidates responding to this posting must independently possess the eligibility to work in the United States at the date of hire.

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow instructions and perform other related duties as assigned by their supervisor.

The base pay scale for this position in:
Phoenix, AZ/ Chicago, IL / Washington, DC in USD per year is: $206,000 - $241,000.
New York, NY/ San Francisco, CA in USD per year is: $248,000 - $280,000.

Additionally, candidates are eligible for a discretionary incentive plan and benefits.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate’s education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

Some of the Ways We Prioritize Your Health and Happiness

- Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
- 401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
- Paid Time Off – Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
- 12 weeks of Paid Parental Leave
- Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

And SO much more! We continue to enhance our program, so be sure to  check our Benefits page here  for the latest. Our team can share more during the interview process!

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Early Warning Services, LLC (“Early Warning”) considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.