Product Manager (Payments & Risk)

Let Us Introduce Ourselves

We’re Patriot Software - a remote-first, product-led tech company on a mission to make accounting and payroll fast, simple, and affordable for millions of American businesses. With 175+ team members across the U.S. and a collaborative office hub in Canton, Ohio, we’re building software that empowers the backbone of the American economy.

What We Believe In

Creating great products starts with creating an environment where people thrive. That means connection, clarity, growth, high trust, and a culture where ideas move quickly and quality matters.

Our team lives by six core values that guide how we work, build, and serve:

• Be Customer Obsessed: We start with our customers and work backward to deliver exceptional value.
• Lead With Speed: We move fast, take smart risks, and stay ahead by acting boldly.
• Don’t Cut Corners: We own our technologies and operations to deliver a high-quality, end-to-end experience.
• Create a Better Us: We simplify, automate, spend wisely, and continuously improve.
• Follow The Golden Rule — We treat others with respect, invite feedback, and commit even when we disagree.
• Grow, Be a Leader: We expect leadership at all levels and pursue excellence as a high-accountability, high-trust team.

If this sounds like a place where you’d thrive, keep reading—your next opportunity might be here.

Summary

• Job Title: Product Manager (Payments & Risk)
• Job Status: Full Time 
• Location: Remote
• Compensation: Salaried (Exempt)
• Position Type: Direct Hire, note, this is not a contract role
• Pay Range: $132,500 - $155K based on experience
• Shift: 9 am - 5 pm ET, hours may vary based on business needs throughout the year

What You’ll Be Doing 

We’re looking for an exceptional Product Manager to shape the future of Patriot’s Payments & Risk products by improving payment flows, reducing fraud, and strengthening compliance. You’ll operate at the intersection of systems, data, and customer experience, collaborating with engineering, design, and operations to build backend improvements, internal tools, and customer-facing features. While you don’t need coding experience, you should understand how systems connect, how data moves, and how risk and compliance shape product decisions. 

What You’ll Focus On

You’ll build deep expertise across six areas that shape Patriot’s Payments & Risk strategy, blending customer insight, data, operational awareness, and industry knowledge while partnering with cross-functional teams.

1. Partnering with Development & Design

Define upcoming work, collaborate on solutions that balance customer experience, compliance, and operations, and clearly communicate the “why.” Identify scalable improvements that reduce payment issues, fraud risks, and compliance gaps.

2. Customer Insight

Engage with customers and internal teams to understand how payment timing, reliability, and risk decisions affect their experience. Surface pain points, like funding delays or risk reviews, and translate them into meaningful product improvements.

3. Data-Driven Decisions

Analyze payment performance, fraud patterns, identity workflows, and risk thresholds. Use queries or dashboards to investigate anomalies, validate assumptions, and measure the impact of risk-mitigation strategies. Track metrics tied to customer outcomes and operational efficiency.

4. Business & Risk Expertise

Learn Patriot’s risk posture, financial operations, fraud processes, KYC, and BSA/AML requirements. Partner with Finance, Compliance, Legal, and Risk to ensure product decisions are accurate, compliant, and operationally sound.

5. Industry Awareness

Stay current on payment technologies, fraud trends, regulatory changes, and settlement expectations. Use industry insights to guide product direction and maintain trust and reliability.

6. AI Mindset

Use AI to accelerate research, analysis, planning, and drafting, and help identify high-value opportunities for AI-driven improvements in payments, fraud detection, and operations.

Please note this is a sample of what you’ll be doing. This job requires you to be able to adapt to change quickly in order to deliver an exceptional customer experience. Your duties, responsibilities, and activities may change at any time with or without notice.

What You’ll Need 

Experience

• 5+ years in a SaaS Product Manager role
• Background with complex systems, financial workflows, risk operations, or compliance in payments/fintech
• 2+ years of experience with payment rails (e.g., ACH, direct deposit, or instant payments) and an understanding of how their capabilities and constraints impact customer experience and risk
• Proven record of launching successful products or platforms with iterative, metrics-driven improvements
• Familiarity with KYC, BSA/AML, fraud detection, or identity verification (conceptual knowledge is fine)
• Experience collaborating with development, design, QA, and operations teams, with working knowledge of agile SDLC and release management

Technical & Analytical Skills

• Ability to discuss system behavior, data flows, and risk implications with engineers and operational teams
• Strong analytical and problem-solving skills; able to interpret data, identify patterns, and make informed decisions
• Able to distinguish between reversible decisions and long-term strategic choices

Communication & Collaboration

• Excellent writing and communication skills; able to translate complex information clearly for diverse audiences
• Strong interpersonal skills: empathetic, collaborative, and able to build trust across cross-functional teams
• Open-minded, humble, and a team player

Operational Needs

• Reliable high-speed internet connection
• Dedicated, quiet workspace free from distractions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Location & Commitments

• Full-time, direct-hire, 100% remote role
• Open to candidates residing in and legally authorized to work in the United States
• Not open to applicants residing in: Alaska, California, Hawaii, Washington D.C.
• Core hours: 9am–5pm EST, Monday–Friday
• Some flexibility is required during busy seasons or critical “right-now” moments

Equal Opportunity

Patriot is an equal opportunity employer. We do not discriminate against any employee or job applicant on the basis of race, color, gender, national origin, age, religion, creed, disability or sex.

More Reasons to Love Patriot

Great products start with great people—which is why we invest in our team so they can do their best work. In addition to a culture that encourages innovation and ownership, our full-time employees enjoy a comprehensive suite of benefits that help our team thrive inside and outside of work.

Are you ready to take the next step in your career?

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Ready to take the next step in your career? We’d love to meet you.

Privacy Notice
To protect the privacy of our customers and employees, please do not include sensitive Personally Identifiable Information (PII)—such as Social Security Numbers, Dates of Birth, or W-2s—when submitting your application.

Use of AI in the Hiring Process
Thank you for your interest in Patriot Software! To support a fair and efficient hiring process, we use AI-powered tools to assist with resume screening, note-taking, and interview insights. These tools help us evaluate candidates consistently and in compliance with EEOC and all applicable laws.

AI tools do not make hiring decisions—all decisions are made by our human hiring team. All applicants are evaluated based on their qualifications, skills, and experience.

By submitting your application, you acknowledge the following:

AI Usage

• AI may analyze an applicant's video, including facial expressions, as part of assessing position fit.
• AI tools may be used during interviews for note-taking, evaluating responses, and generating interview summaries.

On-Camera Video Interviews

• All interviews are conducted via video with cameras on to maintain compliance and security standards.
• Patriot is a camera-on company for all video interactions.

Photo Capture for Security

• If selected to interview, you may be asked to provide or have a photo captured.
• This photo is used only to verify that the same candidate is present throughout all interview stages.
• Photos are not shared externally, used for any other purpose, or stored after the interview process. They are securely disposed of once the process is complete.

Privacy & Data Use

• Any photos are used solely for candidate verification.
• Geolocation tools may be used only to verify your location and ensure interview integrity.
• All geolocation use is limited to security and compliance needs and follows all applicable privacy laws.