Product Manager; Healthcare & HSA​/FSA)

About the Role

The Product Manager (Healthcare Payments & HSA/FSA) is a core execution role within WEX's Health & Benefits digital organization. This role is responsible for driving the delivery and continuous improvement of WEX's payment products — including HSA debit card rails, claims reimbursement flows, ACH/RTP money movement, real-time payment notifications, and spend authorization logic — that sit at the intersection of member experience and financial operations.

This PM operates with a strong bias for outcomes over output: they connect every feature decision to adoption, retention, cost-to-serve, or revenue impact. They bring domain fluency in healthcare payments and fintech, use AI-enabled workflows as a default starting point for synthesis and analysis, and are trusted partners across engineering, compliance, operations, and external payment vendors. This role is the payments execution engine for H&B's product organization.

The right candidate is someone who is equally comfortable reviewing ACH return codes and presenting trade‑off recommendations to senior stakeholders — and who makes disciplined prioritization decisions with incomplete information.

• Own end-to-end execution for payment product features including HSA debit card rails, claims auto‑adjudication, ACH/RTP money movement, and real‑time payment notifications.
• Actively participate in and facilitate core Scrum ceremonies (e.g., Sprint Planning, Daily Standups, Refinement, Demos, Retrospectives), stepping up to lead ceremonies as needed.
• Drive short‑term delivery with a bias for speed, iterating quickly based on stakeholder feedback and outcome data.
• Ensure delivery choices connect directly to adoption, revenue, and operational efficiency targets.

• Lead discovery for payments‑specific product problems — including spend authorization flows, payment partner integrations, and compliance‑adjacent money movement constraints.
• Synthesize customer insight, payment industry signals, and competitive intelligence into testable hypotheses.
• Use AI‑enabled research tools to accelerate synthesis while maintaining rigorous human judgment on conclusions.

• Navigate payment‑specific metrics including authorization rates, decline rates, transaction error rates, auto‑adjudication throughput, and cost‑per‑transaction.
• Use both qualitative and quantitative inputs to drive prioritization decisions.
• Cross‑check AI‑generated analysis against source data and apply appropriate rigor based on decision reversibility and risk.

• Drive effective communication with engineering, compliance, finance, operations, and external payment partners (card networks, ACH processors, custodians).
• Clarify decision ownership, proactively resolve impediments, and ensure no ambiguity turns into delivery drift.
• Understand the H&B payment strategy and contribute grounded ideas on sequencing and trade‑offs.

• Identify friction in the member payment experience — from card declines and reimbursement delays to claims submission errors — and translate trends into actionable product improvements.
• Participate in customer empathy sessions with employers, members, and brokers.
• Apply a test‑and‑learn approach to validate payment UX hypotheses before full build.

• Working knowledge of healthcare payment ecosystems: HSA/FSA/HRA debit card rails (Visa/Mastercard), ACH, RTP/Fed Now, and claims reimbursement workflows.
• Familiarity with payment compliance constraints: IRS 213(d) substantiation rules, IIAS, Reg E, and AML/KYC implications for benefits…