Senior Technical Product Manager: Remittance at Tek Experts

Responsibilities
Product Strategy & Roadmap

• Define and own the remittance product vision and roadmap across digital and enterprise platforms.
• Align remittance solutions with business strategy, global payments initiatives, and customer demand.
• Monitor trends in cross-border payments, digital wallets, blockchain/crypto remittances, and real-time payment networks.
• Balance customer-centric design with security, compliance, and cost efficiency.

Product Delivery & Execution

• Lead cross-functional teams (engineering, compliance, payments operations, partnerships) to deliver remittance products, APIs, and services.
• Translate regulatory and business requirements into detailed product specifications and user stories.
• Oversee delivery of payment rails integrations (SWIFT, SEPA, Visa/Mastercard, mobile money, RTP networks).
• Drive API-first, cloud-native solutions to support digital channels (mobile apps, web, agent platforms).

Governance, Risk & Compliance

• Ensure compliance with local and international remittance regulations (FATF, AMLD, OFAC, FinCEN, SARB, etc.).
• Partner with AML/Fraud teams to embed sanctions screening, KYC/AML, and transaction monitoring in remittance flows.
• Manage risk frameworks for cross-border transactions, foreign exchange (FX), and correspondent banking relationships.
• Support audit and regulatory reporting obligations for remittance operations.

Data, Analytics & Optimization

• Partner with data teams to implement real-time monitoring of remittance flows.
• Leverage analytics to optimize pricing, FX spreads, transaction speeds, and fraud prevention.
• Drive customer insights and feedback loops to improve remittance user experiences.

Stakeholder & Vendor Management

• Collaborate with banks, money transfer operators (MTOs), fintech partners, and payment networks.
• Negotiate and manage relationships with global remittance vendors and technology providers.
• Act as the bridge between compliance, business, and engineering teams, ensuring delivery of secure and seamless solutions.
• Represent remittance product strategy in executive steering committees and regulatory engagements.

Qualifications
Education & Certifications

• Bachelor’s degree in Computer Science, Information Systems, Finance, or related discipline (mandatory).
• Postgraduate qualification (MBA, MSc in FinTech, Payments, or Risk/Compliance) – advantageous.
• Professional Certifications (preferred/required):
  • Payments certifications (e.g., Certified Payments Professional – CPP, AAP/NACHA)
  • Compliance: CAMS (Certified Anti-Money Laundering Specialist)
  • Product Management: Agile Product Owner (PSPO, SAFe POPM)
  • Cloud/Integration certifications (AWS/Azure/GCP, API Management)

Experience

• 10–12 years’ experience in product management, financial services, or fintech, with at least 5+ years in remittance or payments-focused platforms.
• Proven track record in delivering remittance/payment systems, digital transfers, or cross-border payment products.
• Strong understanding of payment rails, FX processes, correspondent banking, and mobile money ecosystems.
• Experience embedding AML/Fraud controls, sanctions screening, and KYC/identity verification into remittance products.
• Hands-on exposure to digital channels, APIs, and partner integrations in payments.
• Prior experience with regulated financial institutions, fintechs, or global MTOs preferred.

Core Skills & Competencies

• Strong technical product management expertise in payments/remittances.
• Deep knowledge of global remittance regulations, compliance frameworks, and operational risks.
• Excellent stakeholder management across compliance, treasury, risk, technology, and external partners.
• Ability to balance customer experience, compliance, and cost efficiency in remittance design.
• Strong analytical skills with a focus on transaction monitoring, fraud detection, and cost optimization.
• Exceptional communication and leadership skills for cross-functional influence.