Product Manager, Alpaca

• 5+ years of experience in Product Management, Engineering, Consulting, or starting a startup - preferably in regulated payments, settlement, treasury, brokerage clearing, or fintech infrastructure
• Demonstrated depth on at least one money-movement or settlement surface - an ACH / wire / RTP / FedNow rail, post-trade settlement, JIT / instant funding, prefunding, or FX corridor - shipped to production scale
• Experience shipping B2B / developer-facing products: SDKs, APIs, partner integrations where developers and partners are the primary customer, not just end users
• Comfort shipping in parallel with compliance, treasury, and legal in a regulated environment
• Experience analyzing data using SQL and a relevant BI tool
• Bachelor’s degree in computer science, engineering, finance, or equivalent
• Business acumen to weigh stakeholder, tech feasibility, time, and budget tradeoffs

Desirable

• We’re seeking a Product Manager, Money Movement & Settlements to own one core sub-surface of Alpaca’s money-movement and settlements stack end-to-end - a funding rail (US ACH / wires / RTP / FedNow, or non-US regional rails), a settlement workflow (JIT, instant funding, prefunding, post-trade), or an ancillary product (HY Cash, FPSL)
• Partners and developers are your primary customers; you ship API-driven money-movement and settlement capabilities that they actually adopt.This role sits at the intersection of regulated payments execution and developer experience
• You’ll go deep on one part of the stack, shipping at production cadence in parallel with compliance, treasury, and legal
• You’ll work closely with engineering, broker-dealer operations, treasury, compliance, legal, partnerships, and the other PMs in the area. Success is measured by partner adoption and production usage of your surface - not by ship dates or volume of documentation alone
• Own one core money-movement or settlement sub-surface end-to-end (a funding rail, a settlement workflow, or an ancillary product) - drive prioritization, API design, and rollout inside your surface
• Run discovery with partners and prospects against real integration constraints, translate findings into a sequenced backlog for your surface, and push back on requests that don’t fit the platform without over-promising
• Ship to production at the cadence of a high-growth platform - write clear PRDs, align with engineering on API contracts, and produce documentation partners can implement against
• Partner with compliance, treasury, and legal on product decisions that touch licensing, AML, screening, settlement rules, and reconciliation - comfortable shipping in parallel with them in a regulated environment
• Improve operational efficiency in your surface - exception handling, reconciliation workflows, partner-facing tooling, automation of repetitive ops - and own the metrics
• Track adoption beyond GA - settlement success rate, time-to-funding, ACH return rate, partner-reported blockers - and iterate on docs, SDK ergonomics, and rollout sequencing until your surface is actually being adopted
• Report timely and accurately on product status and results to internal and external stakeholders, including partners