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

Requirements

• 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.

Core Competencies

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.

Highest-signal resume keywords

• Product Management Experience


• Merchant Services Expertise


• Payment Gateway Knowledge


• Agile Mindset


• Stakeholder Engagement

ATS Optimization Keywords

Hard Skills

• Product Portfolio Strategy


• Digital Transformation


• Data Analysis


• Risk Management


• Compliance Standards

Soft Skills

• Exceptional Communication


• Influencing C-Suite Stakeholders


• Team Leadership


• Client-Centricity


• Analytical Thinking

Industry Keywords

• Merchant Services


• Acquiring


• Interchange Economics


• Embedded Finance Models


• Omnichannel Acceptance

Tools & Technologies

• POS Ecosystems


• APIs


• Digital Commerce Platforms


• Cloud-Based Infrastructure


• Fraud Management Tools