Director Product Management ACH

Work Location(s)2911 Lake Vista Drive, TX, 601 S. Tryon Street, NC

Work Schedule:

Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The ACH Product Director role offers the chance to shape the direction of the bank’s ACH payment services, a critical component of commercial and consumer money movement. You will help define the product vision, strategy, and roadmap, ensuring ACH offerings remain competitive, compliant, resilient, and aligned with customer needs. This opportunity positions you as the voice of the customer, a strategic leader who translates market trends, regulatory shifts, and landscape demands into actionable improvements and new capabilities.

You will also play a key role in guiding the evolution of ACH capabilities at Ally through collaboration with technology, operations, risk, treasury, and other partners, enabling the bank to deliver secure, scalable, and high‑quality payment solutions.
* In office role with hybrid schedule. Ally work location is either Charlotte NC or Lewisville TX. At this time, Ally will not sponsor a new applicant for employment authorization for this position.
** Own the strategy, value proposition, and customer experience for the bank’s ACH payment products, ensuring they remain competitive, compliant, resilient, and aligned with customer needs.
* Drive ongoing product innovation by identifying emerging client needs, market trends, regulatory changes, and technology opportunities within the ACH ecosystem.
* Develop recommendations for new ACH capabilities, enhancements, and operational improvements, leveraging discovery activities and feedback from business partner teams.
* Drive growth of ACH payment volumes and revenue through improved onboarding, friction reduction, customer enablement, and cross‑sell of complementary payment services.
* Analyze competitive intelligence, industry research, and ACH network behaviors to identify trends, customer pain points, and opportunities for product enhancement.
* Manage the full lifecycle of ACH product development and enhancements, from ideation and requirements definition through delivery, rollout, and post‑launch evaluation.
* Lead complex ACH initiatives through all stages, including business case development, financial analysis, writing requirements, and coordinating execution across technology, operations, and compliance.
* Work across partner teams including Technology, Operations, Treasury, Finance, Marketing, and Risk to ensure ACH products maintain consistency, reliability, and alignment with business strategy.
* Ensure strong risk management and full regulatory alignment, including adherence to NACHA rules, internal controls, and evolving payment‑related regulations.
* Serve as the business SME for ACH processing, settlement, exception handling, file formats, and related bank policies and procedures.
* Partner with analytics and finance teams to monitor and report on key performance indicators - cost, risk posture, reliability, adoption, and operational efficiency - to inform ongoing product decisions.### The Skills You Bring###

Minimum Qualifications
* 9+ years of relevant experience or equivalent combination of education and experience
* High school Diploma or GED equivalent
** Preferred Qualifications
*** The individual should hold (or be actively pursuing) the Accredited ACH Professional (AAP) or Accredited Payments Risk Professional (APRP) certification to demonstrate deep expertise in ACH operations, compliance and risk management.
* Experience working with compliance, regulatory requirements, and NACHA operating rules, demonstrating capability to ensure products remain safe, compliant, and aligned with evolving expectations.
* Technical familiarity with ACH file formats, integration requirements, API‑driven payment flows, or payment rail modernization…