Senior Product Manager, Core Account & Embedded Financial Services

Senior Product Manager - Core Account & Embedded Financial Services - New York, NY

Are you customer obsessed and passionate about building products and experiences that support the financial needs of a global population? How about offering up your technical skills in a business that is committed to moving money for better? If you are interested in joining a globally diverse organization where our high impact contributions are recognized and celebrated both by our customers and our leadership, allowing each of us to thrive, then it is time to join Western Union as a Senior Product Manager - Core Account & Embedded Financial Services.

Western Union powers your pursuit

We are seeking a strategic and execution-driven Senior Product Manager to lead the development and global scaling of core account and embedded financial services across digital wallets and partner ecosystems. This role is pivotal in shaping the future of account-based banking products- including demand deposit accounts, virtual accounts, and ledgering infrastructure-embedded into cross-organizational digital services.

You will work across product, engineering, compliance, and partner teams to deliver seamless, scalable, and compliant financial experiences that power money movement, account management, and banking operations globally.

Role Responsibilities:

Product Strategy & Execution

• Deliver and drive the roadmap for core account and embedded finance capabilities across digital wallets and services.
• Deliver and Lead product development for account-based banking products, including onboarding, KYC, ledgering, and transaction flows as a service for integration into digital channels and global wallets
• Partner with digital teams, engineering and design to deliver scalable, secure, and compliant solutions.

Cross-Functional Leadership

• Collaborate with internal and external stakeholders across banking, compliance, operations, and partner ecosystems.
• Translate complex regulatory and operational requirements into product features and workflows.

Global Operations Enablement

• Ensure post-launch operational excellence across global markets, including reconciliation, servicing, and regulatory reporting.
• Support localization and compliance efforts across diverse jurisdictions.

Embedded Finance Innovation

• Drive integration of financial services into partner platforms, enabling seamless user experiences and monetization opportunities.
• Champion API-first, modular architecture to support rapid deployment and customization.

Role Requirements:

• 8+ years of product management experience in financial services, embedded finance, or digital banking.
• Proven track record creating and delivering utility based products and services.
• Deep understanding of account-based products (e.g., DDA, virtual accounts, ledger systems).
• Experience working with banking-as-a-service platforms, card issuing, or embedded finance providers.
• Proven ability to lead cross-functional teams in a matrixed organization.
• Strong analytical, communication, and stakeholder management skills.
• Familiarity with global regulatory environments and operational scaling.

Preferred Experience

• Prior experience launching financial products in neo banks, fintechs, or platform ecosystems.
• Exposure to global banking operations, including servicing, compliance, and reconciliation.
• Technical fluency in APIs, data models, and financial infrastructure.

We make financial services accessible to humans everywhere.Join us for what's next.

Western Union is positioned to become the world's most accessible financial services company -transforming lives and communities. We're a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You'll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you're ready to help drive the future of financial services, it's time for Western Union. Learn more about our purpose and people athttps://careers.westernunion.com/

Salary

The base salary range is $130,000 - $170,000 per year, total on target compensation includes a base salary plus short-term and long-term incentives that align with individual and company performance.

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few (https://careers.westernunion.com/global-benefits/).

Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your United States - Specific Benefits Include

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  Flexible Time off

  
  

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  Medical, Dental and Life Insurance

  
  

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  Tuition Assistance Program

  
  

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  Parental Leave

  
  

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  One day volunteer time off

  
  

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  $0 Money Transfer Fee Discount Code - Quarterly

  
  

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  Recognition Program "Game Changers"

  
  

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  Employee Discount Program

  
  

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  Global Adoption Assistance

  
  

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  Global Scholarship Awards Program

  
  

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  4% Western Union Contribution to 401K

  
  

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week.

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania: Please do not respond to any questions on thisinitialapplication that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials yousubmitduring the application process. You will not be penalized for redacting or removing this information.

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

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Estimated Job Posting End Date:

10-17-2025

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.