Director of Product, Money 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:

• 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 also expected to stay close to the work—grounded in systems, data, and execution—so decisions are fast, informed, and durable.

Why This Role Matters

Tapcheck’s platform was originally built for simpler financial flows. Today, our business has evolved:

• Funds may be disbursed once and repaid across many employers

• Payroll partners may aggregate repayments across clients

• Employee-level transactions must map cleanly to employer and partner identities

• Every dollar must be traceable, reconcilable, and compliant

As complexity increases, money movement cannot be optimized in silos. This role exists to ensure payments, repayments, data models, and accounting realities work together seamlessly as Tapcheck scales.

What You’ll Do

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 FedNow

  • 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

  • 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 (e.g., 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.

What You’ll Bring

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 leadership style—able to dive into details when needed while maintaining strategic clarity.

• The ability to move quickly and decisively without sacrificing correctness or completeness.

Specific vendors, tools, or exact years of experience matter less than how you think, how you execute, and what you’ve built.

Why You’ll Be Excited About This Role

• You’ll own one of the most critical systems at Tapcheck.

• Your work will directly impact trust, scalability, and product velocity.

• You’ll help shape Tapcheck’s evolution from a payments feature into a full financial platform.

• You’ll work alongside strong domain leaders while owning the connective tissue that makes everything work together.

At this time, Tapcheck does not provide sponsorship for employment-based visas (e.g., H-b, L-1, TN, etc.). Therefore, candidates must already possess the right to work in the United States without the need for employment-based visa sponsorship now or in the future.

This is a remote-friendly role. Ideally, candidates will sit in the following states: AL, AZ, CA, CO, DC, DE, FL, GA, ID, IL, LA, MI, MA, MO, NC, NH, NJ, NV, NY, PA, OR, OH, RI, SC, TX, UT, VA, WA, WI.

About Tapcheck:

Tapcheck is a digital platform offering an easy and convenient way to access on-demand earnings early. Available at no cost to employers, our app-based on-demand pay solution helps relieve the financial stress that many employees experience on a daily basis.

The Tapcheck team is passionate about our mission to improve financial wellness and boost business productivity. By giving workers the ability to transfer wages they’ve earned directly to their bank account or pay card without waiting for payday, Tapcheck eliminates the need for high-interest payday loans or employer-funded cash advances.

How We Get Things Done:

Our core values act as a steadfast guide, directing our decisions and anchoring our actions. We consider these values non-negotiable, especially when it comes to our hiring process.

• Humility: We believe in the power of humility. We value team players who are down-to-earth, respectful, and open to learning from others. Our employees approach challenges with a positive attitude, acknowledging their strengths and weaknesses while celebrating the achievements of their colleagues.

• Grit: We admire individuals with grit – those who demonstrate unwavering determination and resilience in the face of obstacles. At Tapcheck, we take pride in overcoming challenges together, pushing the boundaries of what is possible, and embracing failure as an opportunity for growth.

• Raising the Bar: Continuous improvement is at the heart of our culture. We are committed to setting high standards and pushing ourselves to exceed them. We seek employees who are innovative and strive for excellence, constantly seeking ways to enhance our products, services, and processes.

• Striving for Growth: We foster an environment that encourages personal and professional development. Our employees are driven to learn, grow, and adapt to new circumstances. We support individuals who take initiative, seek out new challenges, and actively contribute to their own growth and the growth of the company.

Why Join Tapcheck?

• Competitive base

• Flexible Time Off

• Health Insurance

• Dental Insurance

• Vision Insurance

• 401K Match

Compensation: $250K + Bonus/Equity. The actual base salary will depend on numerous factors such as: location, experience, training, knowledge. and skills. Tapcheck reserves the right to amend, change, alter, and revise pay ranges and benefits offerings at any time. All applicants acknowledge that by applying to this position you understand that this specific pay range is contingent upon meeting the qualifications and requirements of the role, and for the successful completion of the interview selection and process. It is at the Company's discretion to determine what pay is provided to a candidate within the range associated with the role.

Equal Employment Opportunity Policy

Tapcheck, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.