Director Digital Wallets

Ria opens ways for a better everyday life. With presence in over 190 countries and more than 500,000 locations worldwide, Ria is now the largest real-time cross-border money movement network in the world. We are dedicated to helping millions of people send money where it matters. Whether it's to loved ones at home or anywhere around the world, we know our customers deserve more than just a fair price—they deserve empathy, hope, and ultimately, respect.

We are Ria Money Transfer. A subsidiary of Euronet Worldwide, Inc. (NASDAQ: EEFT), Ria is a leading expert in cross-border payments, delivering innovative financial services that bridge the gap between digital and physical spaces. Ria’s omnichannel products and services provide unprecedented consumer choice, including real-time payments, mobile wallets, currency exchange, home delivery, and cardless ATM payouts. Ria’s global infrastructure, powered by the Dandelion real-time, cross-border payments network, facilitates financial access for customers, agents and partners alike by creating new market opportunities and promoting economic growth around the world.

Ria is launching the Ria Wallet and debit card in the United States. The wallet is a stored-value account that customers can open and fund at a Ria store, at an agent location or in the app. The product is built. We need someone to turn it into a business.

You’ll own the wallet and card P&L and the commercial plan in the US, with expansion across North America to follow. You’ll take the program from the Ria store pilot through agent waves to national scale, across our physical and digital channels, and add top-up, bill pay and consumer credit along the way. You’ll lead a small team of your own and work through teams you don’t manage, including Product, Marketing, Finance, Compliance, Risk, CARE and our store, agent and inside sales teams.

Much of the job is getting those teams to deliver one plan. Our customers are largely underserved or unserved by banks, and many now pay a 1% federal excise tax on cash-funded transfers. Beyond cost, the lack of electronic payment methods and other financial services keeps them out of much of the digital economy and the opportunities that come with it.

The impact we expect:

• A large and growing base of funded wallets
• More customers using the wallet as their main account
• Credit revenue that grows within the loss we planned for
• Remittance customers who send more often with Ria because the wallet makes it cheaper

• Own the P&L and the plan. Run the commercialization plan from pilot to scale: entry, exit, and stop criteria for each phase, a weekly cadence with the teams involved and a record of decisions. Reforecast with FP&A.
• Set the offer and pricing. Account, load, cash-out, ATM and card fees; whether the model is funded by interchange or by a membership fee; the discount on sends funded from the wallet; and pricing for bill pay, top-up, money orders and check cashing.
• Know the economics of each funded wallet. By channel: interchange, float, fees, credit loss, card and KYC cost, and incentives. Measure how much cash-send volume the wallet replaces and set the payback gates that decide when spend grows.
• Build the sales plan by channel. Ria stores first, then independent agents in waves, then partners, employers and digital. Design cashier and agent rewards that pay on funded wallets, with quality checks, clawbacks and protection for agents’ wire income.
• Lead marketing strategy by influence. Set positioning and the value proposition for each audience and agree on the launch calendar, in-language creative and community marketing with the Marketing team. Prove paid media with holdout tests before it gets a…