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Director, Product Operations – Wallets and Card Issuance

Western Union New York, NY

New York, NY

Today

$200k - $215k/yr Full time Card Issuance Digital Wallets And Cards Director Of Operations

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Job Description

The Director of Product Operations will lead end-to-end operational excellence for account-based products, including digital wallets and card issuance, with a focus on risk control, compliance, and scalable execution across US services.

Role Focus

Own the product operations strategy and delivery for core account services and payments-related offerings. This includes operational requirements and improvements that support compliance and safety for customers, as well as day-to-day execution, automation, and continuous enhancements for US wallet and embedded finance services.

Key Responsibilities

Oversee end-to-end product operations for core account services, payment wallet products, and embedded finance offerings to improve operational efficiency, scalability, and reliability.
Serve as a product operational subject matter expert across cards, account origination, account maintenance, settlement, clearing, and reconciliation.
Develop and implement product requirements and directions that shape internal policies and procedures, supporting compliance with regulatory standards and best practices while maintaining KPIs tied to safe and secure customer experiences.
Drive product automation and digital transformation initiatives to increase the speed and accuracy of operational workflows.
Lead continuous improvement efforts by anticipating operational risks and ensuring solutions remain scalable and future-ready.
Manage internal and external product operations to maintain integration quality and consistent performance across multiple platforms and channels.
Act as the US Wallet primary product operations liaison across product, engineering, compliance, risk, customer operations, and external partners to align operational goals and deliverables.
Own product operational readiness for US Wallet initiatives, including launches, upgrades, migrations, and sunsetting with minimal disruption to the business.
Monitor and report on key product operational metrics, conduct root cause analysis for issues, and execute rapid response plans to uphold service excellence.
Oversee operational delivery of key features across digital and retail channels, including card processing, wallet integrations, and API-based offerings.
Partner with banks, fintechs, and third-party vendors to ensure operational standards and SLAs are met consistently.
Define fraud prevention and risk management requirements for payments and core account services, including limit management, and collaborate internally to implement these requirements.
Coordinate with data analytics and engineering teams to build real-time monitoring tools and incident response frameworks.
Ensure products and operations comply with relevant regulations and industry standards, including BSA/AML, Reg E, Reg Z, NACHA, and PCI DSS.
Lead investigations of suspicious activities and work with legal and compliance teams to conduct periodic risk assessments.

Required Qualifications

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 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, including familiarity with 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 environment.

Technologies

APIs
Digital wallets
Core banking platforms

Work Location and Type

Location: New York, NY (hybrid)
Additional locations listed: US – Atlanta; US – New York
Employment type: Full time
Work shift: Hybrid

Compensation

Base salary range: USD 200,000–215,000 per year
Total on target compensation: base salary plus a variable target incentive aligned with individual and company performance

Benefits

Parental Leave
Family First Programs
Medical, Dental, and Life Insurance
Tuition Repayment Assistance Program

Application Process and Posting Details

Posted: October 29, 2026
Job ID: JR0132449
Application window estimate end date: 11-13-2026
Applicants are required to take assessments as part of the application process.
Applicants will need to provide their name and email address to process the assessments.
Questions may be directed to careers@westernunion.com.

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