Director of Product, Movement

About The Job

Tapcheck is seeking a Director of Product, Money Movement to own the strategy and execution of Tapcheck’s end-to-end money movement ecosystem.

This role has holistic accountability for the following:

• Outbound payments (how Tapcheck sends money)
• Inbound repayments and collections (how Tapcheck recovers funds)
• Payment instruments (cards and accounts)
• Payment rails (ACH, real-time payments, debit, card networks, invoicing and partner integrations)

The Director of Product, Money Movement ensures these systems operate as one coherent, scalable, and auditable platform, supporting both our current B2B2C model and our expansion into new products and business models. This is a senior product leadership role with meaningful scope and ownership. While you will lead through influence and collaboration, you are expected to stay close to the work—grounded in systems, data, and execution—so decisions are fast, informed, and durable.

End‑to‑End Money Movement Strategy

• Own the product vision and roadmap for Tapcheck’s full money movement lifecycle:
• Disbursement of funds to users
• Recovery of funds from employers, payroll partners, and consumers
• Routing across multiple payment rails
• Accurate attribution across employees, employers, and partners
• Ensure money movement supports multiple business models, including partner‑led and direct-to-consumer use cases.

Payments & Disbursements (Money Out)

• Lead strategy for outbound payments across payroll and general-purpose reloadable (GPR) cards, ACH, RTP, and Fed Now, debit push/pull, sponsor‑bank and third‑party rails.
• Define how Tapcheck selects and routes payments based on speed, cost, reliability, compliance, and user experience.
• Partner closely with Engineering to evolve toward a flexible, rail‑agnostic payment orchestration layer.
• Own the roadmap for card products and payment instruments that support wage access and future financial products.

Repayments, Collections & Money In

• Be accountable for the strategy and integration of Tapcheck’s repayments ecosystem, including employer‑funded repayments, payroll service bureau integrations, employee-level recovery flows, invoicing, ACH, real‑time payments, checks, and API-based collections.
• Ensure repayment systems scale with increasing partner complexity and transaction volume.
• Drive alignment between repayment logic, transaction data models, and accounting requirements.
• Partner closely with Repayments Product, Payment Operations, Risk, Data and Accounting to ensure recovery is predictable, transparent and auditable.

Systems, Data & Financial Integrity

• Ensure every transaction—outbound or inbound—is fully traceable, correctly attributed and reconcilable across operational systems and financial reporting.
• Guide the evolution of data models that support aggregation, itemization, and multi‑entity financial flows.
• Balance automation and control to reduce manual effort while maintaining financial correctness.

Execution, Economics & Leadership

• Own unit economics across money movement, including processing costs, interchange, recovery rates, losses and contribution margin.
• Define and track KPIs that reflect real system health (success rates, latency, cost per transaction, exception rates).
• Leverage modern tooling and AI‑enabled product development practices to design, build and ship high‑quality systems with speed and accuracy.
• Lead cross‑functional execution across Product, Engineering, Finance, Risk, Compliance, CX and Operations.
• Act as a strategic thought partner to executive leadership on sequencing, tradeoffs, and long‑term platform evolution.

We’re looking for a senior product leader who combines systems thinking, execution strength and sound judgment
. Strong candidates often bring many (not all) of the following:

• Experience building or scaling payment platforms, financial infrastructure, or transaction‑heavy systems.
• Comfort owning both money‑out and money‑in flows, even if prior experience skews toward one.
• Strong intuition for data modeling, operational realities and accounting implications.
• Experience working with banks, payment processors, payroll providers or fintech infrastructure partners.
• A hands‑on…