---
title: 'Product Manager, Payments at Modern Treasury'
canonical: 'https://feeny.ai/job/product-manager-payments-modern-treasury-san-francisco-4rrpv99zbe98'
type: 'job'
last_seen: '2026-09-12'
---

# Product Manager, Payments at Modern Treasury

- **Company:** Modern Treasury
- **Location:** San Francisco, CA
- **Compensation:** $170k–$250k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-06-29
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.ashbyhq.com/moderntreasury/f11d16f1-641b-4837-a107-f393956144e2/application

**Skills:** Payments, ACH, Wire, RTP, SQL, API documentation, Bank scheme specs, AI tools, Stablecoins, Cross-border payment rails

> Own the Payments product lifecycle, including onboarding, compliance, payment rails, and liquidity management. Leverage AI tools to build infrastructure for fiat and stablecoin money movement while collaborating with engineering and compliance teams.

## Job description

## OVERVIEW

Modern Treasury is hiring a Product Manager to help build and grow our Payments product. Payments enables companies to move money across the world. You will own core capabilities like how businesses get onboarded, verify identity, meet compliance requirements, access payment rails, and manage liquidity over fiat and stablecoin, all through Modern Treasury. You’ll bring products to life using advanced AI tools and leading engineering and customer-facing teams. As a Product Manager on Payments, you will work with engineering, compliance, partnerships, and customer-facing teams to ship the infrastructure that powers payments for some of the largest and fastest-growing companies in the economy. Modern Treasury is often the most critical piece of infrastructure our customers use, and the Payments product sits at the center of how money actually moves. We are looking for someone who has built payments products before and is excited to go deep on the full lifecycle of money movement — from a customer's first onboarding moment through real-time payments at scale, across both US and international rails.

## ABOUT MODERN TREASURY

Modern Treasury provides trusted infrastructure for money movement. The company helps teams launch and scale payment experiences in days, not months. With best-in-class developer tools and a single API for fiat and stablecoins—plus built-in compliance, ledgering, and reporting—Modern Treasury enables businesses to move money instantly, reliably, and at scale.

## ABOUT THE ROLE

As a Payments Product Manager, you will own products that make up Modern Treasury's Payments offering. You will leverage AI where possible and push the envelope of what AI-enabled product execution looks like. You will be responsible for researching, designing, and delivering products related to:

- Onboarding & Compliance: You will help manage the experience of getting customers and their end users onto the platform quickly and safely. You will design onboarding flows that reduce time-to-first-payment while meeting the requirements of banks, partners, and regulators. You will also work closely with our compliance and risk teams to translate KYC, KYB, sanctions, and other regulatory requirements into product.
- Payment rails: You will go deep into the design of the rails that power payments — domestic schemes like ACH, wire, and RTP, international and cross-border rails, and emerging options including stablecoins. You will prioritize which rails to add and how to expose them in a unified, reliable way. You will also work with Customer Success and Support teams to ensure reliability and good support in cases of incidents.
- Liquidity: You will help define how funds are funded, held, and moved so that customers can settle payments efficiently. You will work on the product capabilities that give customers visibility and control over balances and liquidity across accounts and rails. In this role, you’ll interface with existing bank partners and stablecoin partners, and help scale the Payments across geographies.

## WHO WE'RE LOOKING FOR

- AI Fluency: You will help build and run AI-native workflows across the business. This is a hands-on, business-first role: you will identify inefficiencies, scope solutions, and use the best AI tools available to create compounding leverage for the team. You do not need to train models, but you should be fluent in applying modern AI tools to real business problems.
- Payments experience: You have built payments products before and are familiar with both US and international payments. You understand how rails work end to end and what it takes to move money reliably at scale.
- Cross-border expertise: Ideally, you have experience with both US and international cross-border payment rails, and you understand the operational and regulatory realities of moving money across borders.
- Interest in or experience with stablecoins: You have experience with, or a strong interest in, stablecoins. You’ve studied how they work, and have opinions about how they fit into the future of global money movement.
- Technical fluency: You relish going deep with engineers on the details of payment systems. You are technical-literate — you can read API docs and bank or scheme specs — and you are comfortable diving into data, including SQL, while knowing when not to.
- Customer obsession: You want to spend a ton of time with customers and prospects, understanding their business models, flows of funds, and the support they need. You can translate those needs into clear engineering requirements.
- Ownership at scale: You have a track record of shipping and iterating on products and are comfortable with a dynamic, responsive roadmap driven by the demands of customers and partners. You can work across compliance, partnerships, sales, and customer success to deliver.

Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics.

Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

## About Modern Treasury

## Company Overview
- **One-liner**: Modern Treasury provides a single API and unified ledger for fiat and stablecoin payment infrastructure, enabling companies to launch and scale money movement products rapidly.
- **Entity Type**: Private (Series C; total funding $183M)
- **Headquarters**: San Francisco, California, USA (with an additional office in New York, NY and presence in Spain)
- **Founded**: 2018
- **Founders**: Matt Marcus (CEO) and Dimitri Dadiomov (President & Co-Founder)

## Core Business
- **Primary industry**: Financial technology (payments infrastructure, banking-as-a-service)
- **Target customers**: B2B – enterprises, financial institutions, fintechs, marketplaces, payroll platforms, and any business that moves money at scale.
- **Mission or purpose statement**: “To be the most trusted infrastructure for global money movement” and to help money move “at the speed of the internet” by bridging fiat and stablecoin rails.

## Products & Services
- **Payment Operations API**: A single RESTful API that abstracts ACH, FedNow, wire, and stablecoin rails, enabling companies to send and receive money, manage accounts, and reconcile in real time.
- **Programmable Accounts**: Virtual account creation and management with a real-time ledger for tracking balances, deposits, and transfers.
- **Stablecoin Orchestration**: On‑ and off‑ramp stablecoin transactions (e.g., USDC) alongside traditional fiat rails, with built‑in compliance.
- **Wallet Infrastructure**: Digital wallet support for holding and moving both fiat and stablecoins under one ledger.
- **B2B Invoicing & Cross‑Border Payments**: Unified payments for invoicing, global USD accounts, and multi‑currency collections/payouts.
- **Embedded Solutions for Marketplaces, Payroll, Lending, Card Issuing & Rewards**: Pre‑built modules that let platforms embed payment capabilities without rebuilding back‑end infrastructure.

## Market Standing
- **Valuation**: Not publicly disclosed.
- **Key Metric**: Total funding of **$183M** (across Pre‑Seed, Seed, Series A, and two Series C rounds). The company reports having processed **over $600 billion in payments** (website) – though LinkedIn cites “over $400 billion” (likely an earlier figure).
- **Notable Investors/Partners**: Benchmark (led Series A), Altimeter Capital (led Series C), Salesforce Ventures, and several other institutional investors. Acqui‑hire of Beam.
- **Growth Signals**: 
  - Launched stablecoin orchestration and global USD accounts, indicating expansion into crypto‑native and cross‑border use cases.
  - Active job postings: **17 open roles** as of mid‑2026, with monthly postings up 21.4% and yearly postings up 325% – suggesting renewed headcount growth after a significant reduction (headcount dropped 39.6% YoY to ~98 employees).
  - Multiple industry‑focused solutions (payroll, lending, card issuing) signal product‑led expansion.

## Competitive Advantages
- **Dual‑rail platform**: Unlike competitors that focus solely on fiat (e.g., Plaid, Finicity) or solely on crypto (e.g., Circle), Modern Treasury unifies fiat and stablecoin rails in a single API with a real‑time ledger.
- **Proven scale**: Over $600B in payments processed, used by “hundreds of organizations” including leading enterprises and financial institutions.
- **Compliance built‑in**: Automated compliance workflows for both fiat and stablecoin transactions reduce regulatory burden for clients.
- **Developer experience**: “One API, go live in days, not months” with best‑in‑class developer tools and documentation.
- **Uptime guarantee**: 99.99% uptime for core platform.

## Strategic Focus
- **Stablecoin leadership**: Betting heavily on stablecoin regulatory clarity to become the default infrastructure for companies that want to offer both fiat and crypto payments.
- **Global expansion**: Enabling cross‑border payments and USD accounts for international businesses, reducing reliance on correspondent banking.
- **Platform depth**: Adding vertical‑specific modules (payroll, lending, card issuing) to move up‑stack and increase wallet share with existing customers.
- **Go‑to‑market efficiency**: After a period of contraction (headcount down ~40% YoY), the company is re‑hiring selectively, focusing on engineering, security, and customer success roles.

## Why Work Here
- **Culture**: Described as “principled operators solving some of the hardest problems in money movement.” The team values “trust, curiosity, and constructive feedback” and moves fast while thinking deeply.
- **Remote/Hybrid/Office**: Offices in San Francisco (77 Geary St.) and New York (184 Fifth Ave.). The presence of at least one employee in Spain suggests some remote flexibility, but the majority of roles appear to be US‑based with an expectation of in‑office presence in SF or NYC.
- **Notable perks**:
  - Unlimited PTO
  - Comprehensive healthcare (HMO, PPO, dental, vision)
  - 16 weeks paid parental leave
  - Family planning resources (Carrot)
  - Home office stipend & books/learning stipend
  - 401(k) through Fidelity
  - Charitable donation matching
- **Engineering culture**: Strong developer tooling focus; the engineering team (43 people) works on ledgering, APIs, security, and stablecoin infrastructure. Recent job openings include multiple Software Engineer (Security) and Infrastructure roles, indicating investment in reliability and trust.
- **Rating**: 3.5/5 on employer rating (42 reviews) – with highest marks for Work‑Life Balance (4.2) and Culture (4.0), lowest for Career Development (3.3). The recent VP of People departure (Feb 2026) may signal organizational change.

## Sources
1. [moderntreasury.com](https://www.moderntreasury.com/)
2. [moderntreasury.com/about](https://www.moderntreasury.com/about)
3. [LinkedIn – Modern Treasury](https://www.linkedin.com/company/modern-treasury)
4. [moderntreasury.com/solutions](https://www.moderntreasury.com/solutions)
5. [jobs.ashbyhq.com/moderntreasury](https://jobs.ashbyhq.com/moderntreasury)

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