The Senior Technical Product Manager: Remittance is responsible for the strategy, design, and delivery of remittance products and platforms that enable secure, fast, and compliant money transfers (domestic and cross-border). This role ensures alignment with regulatory frameworks, customer experience goals, and enterprise technology strategy, while driving innovation in digital payments and international money movement.

Key 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.

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.

Requirements

• 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):
  
• Payment’s 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).
  
• 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.
  
• 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