Head of Product – Merchant Services

• Define and lead the multi-year Merchant Services product strategy, spanning SMB, middle market, and large enterprise clients
• Shape Wells Fargo’s go-to-market position across core acquiring, integrated payments, and digital commerce ecosystems
• Identify and scale opportunities in real-time payments, eCommerce, omnichannel acceptance, payments orchestration, and merchant data solutions
• Champion innovation in areas such as digital onboarding, cash flow forecasting, and overall integration into firm wide digital assets
• Build and scale secure, client-centric solutions across payment acceptance and optimization, business management, digital onboarding and servicing, and internal servicing and operations
• Ensure consistency and scalability of product offerings across diverse client segments
• Effectively package, launch and commercialize solutions across all merchant segments
• Combine deep knowledge of the payments landscape with strong strategic thinking, market foresight, to champion new ideas that shape the future of our payment’s products and platforms
• Deliver a seamless omni-channel merchant experience across in-store, online, mobile, and embedded environments
• Lead innovation in merchant-facing capabilities, including:
  Frictionless onboarding and underwriting, Real-time reporting and analytics, Fraud and chargeback management tools, API-first developer experiences
• Ensure Wells Fargo products are competitive with leading acquirers, fintechs, and platform providers
• Partner with Technology to modernize merchant platforms, including cloud-based infrastructure and API-driven architecture
• Oversee large-scale product development and transformation initiatives, ensuring speed to market and execution discipline
• Drive alignment across Sales, Relationship Management, Operations, Risk, and Marketing to ensure seamless product delivery
• Ensure end-to-end compliance with card network rules, regulatory standards, and third-party risk frameworks
• Embed risk and controls into product design, balancing client experience with operational integrity
• Partner with Risk, Legal, and Compliance to navigate evolving payment regulations and network mandates
• Navigate a complex matrix of internal stakeholders, including segment teams, risk, compliance, operations, and executive leadership
• Drive alignment and adoption across the enterprise, ensuring successful product launches and sustained performance
• Build and lead a high-performing product organization, including leaders across segment-based and platform-based teams
• Drive a culture of innovation, speed, accountability, and client-centricity
• Develop strong succession pipelines and next-generation product leaders

• 10+ years of Product Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 6+ years of Management experience
• Deep expertise in merchant services, including acquiring, POS ecosystems (Clover), and enterprise payments
• Strong understanding of payment gateways, APIs, digital commerce platforms, and embedded finance models
• Proven success leading platform modernization and digital transformation initiatives
• Strong familiarity with card network rules, interchange economics, and merchant pricing models
• Exceptional ability to influence C-suite stakeholders and drive enterprise alignment
• Proven experience owning product portfolio strategy at scale
• Agile mindset with a bias for action and iterative execution
• Strong analytical skills and ability to translate data into strategic decisions
• Exceptional communication and stakeholder engagement capabilities
• Experience managing risk and regulatory engagement in a financial services context.

Demonstrates deep expertise in Merchant Services and Product Management, with a strong focus on payment gateways, digital commerce platforms, and compliance with regulatory standards. Proven ability to lead product strategy, drive innovation, and influence stakeholders across diverse client segments.

• Product Management Experience
• Merchant Services Expertise
• Payment Gateway Knowledge
• Agile Mindset
• Stakeholder Engagement

• Product Portfolio Strategy
• Digital Transformation
• Data Analysis
• Risk Management
• Compliance Standards

• Exceptional Communication
• Influencing C-Suite Stakeholders
• Team Leadership
• Client-Centricity
• Analytical Thinking

• Merchant Services
• Acquiring
• Interchange Economics
• Embedded Finance Models
• Omnichannel Acceptance

• POS Ecosystems
• APIs
• Digital Commerce Platforms
• Cloud-Based Infrastructure
• Fraud Management Tools