Product Manager, Digital Payments

Job Description
Amazing Career Moments Happen Here
Transforming the insurance industry is ambitious, we know. That's why at Applied, we're building a team that shows up every day ready to learn, willing to try new things, and driven to deliver innovative software and services that make us indispensable to our customers - all within a culture built on values that make us indispensable to each other too. With 40+ years of experience in the Insurtech game, we're not just redefining what's achievable; we're creating a place where amazing career moments are made possible.
Position Overview
We're searching for a Product Manager to join our Digital Payments team in a hybrid location from either our Toronto or Salt Lake City offices. Applied's Digital Payments product suite processes billions of dollars every year in across US & Canada - securely, compliantly, and at scale. We're looking for a Product Manager to own key surfaces of our payments platform as we deepen capabilities, expand into new product lines, and scale adoption across our customer base.
You'll thrive here if you have strong product instincts for building experiences users trust with their money, a strategic mindset to navigate the tradeoffs inherent in payments (speed vs. risk, flexibility vs. compliance, breadth vs. depth), and the execution rigor to carry initiatives from early concept through launch and post-launch optimization
To keep us headed in the right direction, we're looking for people who understand winning is a team sport, who value and seek to learn from our team's diverse experiences and backgrounds, who welcome a challenge and take risks in the pursuit of creating better outcomes for our customers, and who can, at any given time, step back to laugh and have some fun.
What You'll Do

• Own product outcomes, not just a roadmap.Define and drive the strategy, roadmap, and success metrics for your product area. Make crisp prioritization decisions that balance user value, commercial impact, regulatory requirements, and technical feasibility.
• Build for the money movement lifecycle. Work across the full payments stack - funding, settlement, reconciliation, and disbursement - to deliver products that are reliable, transparent, and compliant. Understand how money actually flows and where risk lives.
• Manage paymentsrisk and operations. Partner with payments operations teams to design controls that help mitigate fraud, settlement, and regulatory risk without degrading the customer experience. Understand ACH, card network rules, and the operational realities of running a payments business.
• Ship with rigor. Lead cross-functional execution from discovery through launch. Write clear requirements, manage scope and dependencies across engineering and design, run betas, and ensure releases land cleanly with documentation, enablement, and monitoring in place.
• Be thecustomer expert. Develop deep empathy for how insurance agencies and brokerages manage their payments workflows today. Translate qualitative insight and quantitative signal into product decisions. Support enterprise customers as they modernize their payments operations.
• Think AI-first, not automation-first. Approach product problems with a genuine AI-native mindset - identifying where intelligent systems can fundamentally improve decision-making, risk assessment, or customer experience rather than defaulting to rule-based automation or manual workarounds. Evaluate emerging AI capabilities with product judgment: knowing when AI is the right solution and when it isn't.
• Partner across the business. Work closely with engineering, design, data, compliance, sales, customer success, and finance. Build alignment with senior leadership on strategy and tradeoffs. Communicate clearly and concisely at every level.

We're Excited to Learn More About You
Your experience may include:

• 5+ years in Product Management at a B2B SaaS or fintech company, with a track record of shipping products that drove measurable business outcomes
• Strong product sense: Demonstrated ability to make sound product decisions rooted in user empathy, data, and business context, not just stakeholder requests
• Strategic thinking: Ability to zoom out on market dynamics, competitive positioning, and long-term bets, then zoom back in to make the right tradeoff on a given sprint
• Execution excellence: You've taken products from zero-to-one or driven meaningful step-changes in scale; you know how to manage scope, unblock teams, and land launches
• Analytical rigor: Comfort with data, metrics, and quantitative reasoning to inform prioritization and measure impact. Proficiency with product analytics tools such as Pendo, including the ability to build and maintain dashboards that inform decision-making.
• Exceptional communication: Clear, concise written and verbal communication; ability to influence without authority across engineering, commercial, and executive audiences

You may have other skills or credentials, including:

• Payments domain experience in North America: Hands-on experience with payment processing, money movement, or PayFac/payment facilitation platforms (card acquiring, ACH/EFT, settlement, ledgering)
• Payments operations and fraud risk understanding: Familiarity with chargeback management, transaction monitoring, KYC/KYB, and the operational controls that keep a payments business healthy
• Experience in regulated or compliance-sensitive environments: Comfort working within constraints imposed by card network rules, Nacha operating rules, state-level regulations, or similar frameworks

We know that talent comes from all backgrounds and experience levels. We encourage military members and their spouses as well as candidates without a degree or a background in tech to apply!
When You Join Team Applied, You Can Expect:
A culture that values who you are and recognizes that you aren't just an employee; you are a teammate, and you matter. We thrive on the benefits of our different experiences and celebrate the uniqueness our teammates bring to work with them every day.
We flex our time together, collaborating remotely and in-person to empower our teams to work in the ways that work best for them.
A comprehensive benefits and compensation package that centers our teammates and helps them to bring their best to work every day:

• Medical, Dental, and Vision Coverage
• Holiday and Vacation Time
• Health & Wellness Days
• A Bonus Day for Your Birthday

Learn more about the people behind our products at https://www1.appliedsystems.com/en-us/about-us/jobs/
Our targeted starting base salary in the United States for this position ranges from $90,000 - $130,000 USD. To determine a new team member's starting pay, we consider a variety of factors, including someone's depth, breadth, and variety of experience, skills, and responsibilities. Depending on the role, team members may also be eligible to participate in additional compensation plans such as bonus and commission.
Your Security Matters:
Our candidates' personal information and online safety are top of mind for us. At Applied, we proactively protect your personal information and only communicate with candidates via a secure @appliedsystems.com email or through our official careers portal. Recruiters will never request payments, ask for financial account information or sensitive information like social security numbers.
AI Utilization
We leverage AI tools to streamline parts of our recruitment workflow (such as resume parsing and interview scheduling). However, candidate screening, interviews, and final decisions are conducted by real humans.
EEO Statement
Applied Systems is proud to be an Equal Employment Opportunity Employer. Diversity and Inclusion is a business imperative and is a part of building our brand and reputation. At Applied, we don't discriminate, and we are committed to recruit, develop, retain, and promote regardless of race, religion, color, national origin, sexual orientation, gender identity, disability, age, veteran status, and other protected status as required by applicable law.
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