وظائف محلل اقتصادي في الإمارات

<h2 class="h5">Job description</h2> <div class="t-break" data-jb-field="description"> <br> <b>About Us:</b><br> First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br> <b>Life at FAB:</b><br> Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to "Grow Stronger." We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br> <b>Career Development:</b><br> FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br> <b>Our Values:</b><br> At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br> Join our team and be part of a journey to shape the future of banking.<br><br>Responsibilities:<br><p><strong> JOB SUMMARY / INTRODUCTION</strong></p><br><ul><li>The role supports the GM MO Control &amp; Governance function by executing and monitoring first-line control activities across Global Markets Middle Office processes, ensuring control discipline, timely exception escalation and accurate evidence management.</li><li>The role performs day-to-day control monitoring across trade controls, risk monitoring, reconciliations, exceptions, breaks, lifecycle events and governance reporting, working under the direction of the VP &amp; Head of GM MO Control &amp; Governance.</li><li>The role helps ensure that trading permissions controls, booking template controls, internal and Islamic trade booking controls, off-market monitoring, counterparty exposure monitoring, reconciliation checks and control reporting are performed consistently and escalated appropriately.</li><li>The role works closely with GM MO Trade Support, Front Office, Global Markets Operations, Product Control, Market Risk, Finance, Compliance, Technology, Credit, Reference Data and regional teams to support issue resolution, root-cause analysis, control evidence and operating-model discipline.</li><li>The role does not own Dealer Assist, client activation coordination, T0 booking support, trade enrichment or same-day validation delivery, as these activities sit under the GM MO Trade Support pillar.</li><li>Functional Coverage: Control execution and monitoring activities across trade controls, risk monitoring, reconciliations, exceptions, breaks, lifecycle events, control evidence and control reporting.</li><li>Product / Process Coverage: FX/MM, Rates, Derivatives, Commodities, Capital Markets and related Global Markets processing activities including trading permissions checks, booking template checks, off-market indicators, counterparty exposure monitoring, internal/external reconciliations and settlement-fail monitoring.</li><li>Geographic Coverage: UAE and international locations / hubs where GM Middle Office Control &amp; Governance support is required.</li><li>Stakeholder Coverage: VP &amp; Head of GM MO Control &amp; Governance, GM MO Trade Support, Front Office, Sales, Trading, Global Markets Operations, Product Control, Market Risk, Finance, Compliance, Technology, Credit, Reference Data and regional teams.</li><li>Control Focus: Timely control execution, accurate investigation, evidence retention, aged-item tracking, escalation quality, KPI/KRI inputs and recurring-issue remediation.</li><li><p>People / Team Context: Individual contributor or team lead within the Control &amp; Governance team, supporting Specialists where assigned and coordinating with peer AVPs across Collateral Management and Reporting.</p><br><p><strong>KEY RESPONSIBILITIES</strong></p><br><p><strong>Control Execution and Operating Discipline</strong></p><br></li><li>Execute assigned GM MO Control &amp; Governance activities in line with approved SOPs, control standards, escalation protocols and evidence requirements.</li><li>Perform daily, periodic and event-driven control checks across assigned Global Markets products and processes.</li><li>Maintain disciplined control logs, issue trackers, exception records, evidence files and escalation documentation.</li><li>Support the VP &amp; Head of GM MO Control &amp; Governance in implementing the control operating model, SOP updates, control library requirements and governance routines.</li><li>Identify recurring issues, control gaps, data-quality issues and process breakdowns, and support remediation planning.<br><strong>Trade Controls</strong></li><li>Perform trading permissions control checks against approved desk mandates, product permissions, system entitlements and operating standards.</li><li>Perform booking template and desk business model control checks to identify booking inconsistencies, inappropriate template usage or policy deviations.</li><li>Support review of internal trade booking controls and Islamic trade booking controls where applicable.</li><li>Review amendment and cancellation control evidence, including approvals, rationale, thresholds and escalation requirements.</li><li>Escalate breaches, repeated exceptions or unresolved control issues to the VP &amp; Head of GM MO Control &amp; Governance and relevant owner functions.<br>Risk Monitoring and Surveillance Support</li><li>Perform off-market trade monitoring checks and coordinate escalation of indicators requiring review by Product Control, Market Risk, Front Office or Compliance.</li><li>Support counterparty exposure monitoring activities by tracking exceptions, threshold breaches, pending clarifications and required stakeholder actions.<br>Validate completeness of monitoring outputs, exception comments, investigation evidence and escalation status.<br>Identify trends in off-market indicators, exposure breaches, late actions or recurring control exceptions.</li><li><p>Provide inputs into risk-monitoring dashboards, KRI reporting and governance forums.</p><br><p><strong>Reconciliations and Exception Governance</strong></p><br></li><li>Perform or oversee assigned internal reconciliation checks, including front-to-back, system-to-system, T0 and position-related reconciliations where applicable.</li><li>Support external reconciliation follow-up with custodians, counterparties, brokers, clearing channels or market infrastructure providers where applicable.</li><li>Track failed trades, alleged trades, settlement fails, aged breaks and unresolved exceptions within agreed escalation standards.</li><li>Coordinate root-cause analysis for recurring breaks, aged items and high-impact exceptions.</li><li><p>Ensure reconciliation evidence, exception commentary and remediation actions are complete, accurate and available for management review.</p><br><p><strong>Lifecycle Events and Control Support</strong></p><br></li><li>Monitor assigned lifecycle event controls, including credit events, corporate actions, settlement-related lifecycle updates and other post-trade control triggers where applicable.</li><li>Coordinate with Trade Support, Operations, Product Control, Market Risk and other stakeholders to ensure lifecycle-related control issues are investigated and escalated.</li><li>Track open lifecycle-event control items, evidence completion, owner actions and closure status.</li><li>Support timely escalation of high-impact lifecycle events or unresolved control matters to the VP &amp; Head of GM MO Control &amp; Governance.</li><li><p>Contribute to remediation of recurring lifecycle control issues through process clarification, control enhancement and stakeholder follow-up</p><br><p><strong>Reporting, MI and Governance Inputs</strong></p><br></li><li>Prepare inputs for management dashboards, KPI/KRI reporting, control packs and governance forums relating to assigned control activities.</li><li>Provide accurate commentary on exceptions, aged items, trends, breaches, remediation actions and control performance.</li><li>Support regulatory reporting quality oversight by tracking rejections, breaks, owner actions and remediation status where assigned.</li><li>Ensure reporting inputs are accurate, complete, timely and supported by appropriate evidence.</li><li><p>Support automation and dashboard enhancement opportunities for control reporting and issue tracking.</p><br><p><strong>Audit, RCSA and Control Evidence Support</strong></p><br></li><li>Support audit, RCSA, operational risk and control-effectiveness activities by preparing control evidence, issue status updates and remediation tracking.</li><li>Maintain auditable evidence for assigned controls, including source data, review notes, approvals, exception comments and closure records.</li><li>Assist in documenting process gaps, control issues, remediation plans and management action updates.</li><li>Support closure of audit and control-review actions within assigned responsibility areas.</li><li><p>Escalate overdue actions, missing evidence or unresolved audit/control issues to the VP &amp; Head of GM MO Control &amp; Governance.</p><br><p><strong>Stakeholder Management and Issue Resolution</strong></p><br></li><li>Coordinate with Front Office, GM MO Trade Support, Global Markets Operations, Market Risk, Product Control, Finance, Compliance, Technology, Credit and regional teams on control investigations and issue resolution.</li><li>Maintain clear communication on control findings, required actions, deadlines, owners and escalation status.</li><li>Provide independent challenge where control issues, incomplete evidence or recurring weaknesses are identified.</li><li>Support effective hand-offs between Trade Support execution activities and Control &amp; Governance oversight activities.</li><li><p>Promote a disciplined, evidence-based and timely escalation culture across assigned control processes.</p><br><p><strong>Process Improvement and Automation</strong></p><br></li><li>Identify opportunities to simplify controls, reduce manual effort, improve evidence capture and enhance reporting accuracy.</li><li>Participate in UAT, workflow design, dashboard development and automation initiatives impacting Control &amp; Governance processes.</li><li>Support standardisation of control checklists, control logs, escalation templates and governance reporting formats.</li><li>Contribute to continuous improvement initiatives to strengthen control effectiveness, reduce recurring issues and improve operational resilience.</li><li><p>Coach Specialists were assigned and support knowledge transfer across products and control processes.</p><br><p><strong>Frameworks, Boundaries and Decision-Making Authority</strong></p><br></li><li>Operate within Group policies, approved procedures, organisational governance frameworks and approved authorisation matrices.</li><li>Execute assigned controls and escalation activities within approved SOPs, operating standards, control libraries and evidence requirements.</li><li>Escalate material control issues, unresolved exceptions, aged breaks, regulatory reporting breaks, missing evidence and repeated process failures to the VP Head of GM MO Control &amp; Governance.</li><li>Maintain clear boundaries with GM MO Trade Support: Trade Support owns execution enablement, while Control &amp; Governance owns independent control monitoring, evidence, exception tracking and governance escalation.</li><li>Support audit, RCSA, KPI/KRI and control-effectiveness processes by maintaining accurate records, timely evidence and clear action tracking.</li><li><p>Exercise judgement within delegated authority for prioritising control reviews, coordinating issue resolution and escalating exceptions.</p><br><p><strong>Key Working Relationships</strong></p><br></li><li>Internal stakeholders include the VP &amp; Head of GM MO Control &amp; Governance, Head of Global Markets Middle Office, GM MO Trade Support, Front Office, Sales and Trading Desks, Global Markets Operations, Product Control, Market Risk, Finance, Compliance, Legal, Technology, Credit, Operational Risk, Internal Audit, Reference Data, KYC, GM Documentation, Service Governance and regional Middle Office teams.</li><li><p>External stakeholders may include counterparties, custodians, brokers, clearing channels, clearing houses, market infrastructure providers, external auditors and regulators where Control &amp; Governance support is required for investigation, evidence, reporting quality, reconciliation or exception resolution</p><br><p><strong>REQUIREMENTS / QUALIFICATIONS</strong></p><br></li><li>Bachelor’s degree in finance, Banking, Economics, Business Administration, Accounting, Risk Management or a related discipline; professional qualification preferred.</li><li>7+ years of experience in Global Markets Operations, Middle Office, Control, Governance, Reconciliations, Regulatory Reporting, Product Control, Market Risk, Collateral Management or related first-line control functions.</li><li>Strong understanding of Global Markets products including FX, Money Markets, Rates, Derivatives, Commodities, Capital Markets and structured products.<br>Good knowledge of trade lifecycle controls, booking controls, amendment/cancellation controls, reconciliations, settlement-fail monitoring, lifecycle events and exception management.</li><li>Experience preparing control evidence, issue logs, reconciliation commentary, KPI/KRI inputs, audit evidence and management reporting.<br>Practical knowledge of systems and platforms such as Murex, MarkitWire, Bloomberg, reconciliation tools, regulatory reporting platforms and workflow/dashboard tools.</li><li>Strong stakeholder management, investigation, analytical, escalation and documentation skills.</li><li><p>Experience supporting process standardization, control enhancement, automation, UAT or operating-model change.<br>&nbsp;</p><br><p><strong>Preferred / Beneficial</strong></p><br><p><strong>Technical Knowledge and Competencies</strong></p><br></li><li>Global Markets Control &amp; Governance</li><li>Trade control execution</li><li>Trading permissions controls</li><li>Booking template controls</li><li>Internal and Islamic trade booking controls</li><li>Off-market trade monitoring</li><li>Counterparty exposure monitoring</li><li>Reconciliation and break tracking</li><li>Failed and alleged trade monitoring</li><li>Settlement-fail monitoring</li><li>Lifecycle event control support</li><li>Control evidence management</li><li>Regulatory reporting break tracking</li><li>KPI/KRI inputs and dashboards</li><li>RCSA and audit evidence support</li><li>Issue and action tracking</li><li>Murex, MarkitWire and Bloomberg knowledge</li><li>Workflow, reconciliation and reporting tools</li><li>SOPs and control libraries</li><li><p>Escalation protocols and governance packs</p><br><p><strong>Leadership and Behavioral Competencies</strong></p><br></li><li>Control mindset</li><li>Attention to detail</li><li>Independent challenge</li><li>Stakeholder management</li><li>Clear communication</li><li>Escalation discipline</li><li>Accountability and ownership</li><li>Analytical thinking</li><li>Issue-resolution focus</li><li>Collaboration across functions</li><li>Process improvement mindset</li><li>Ability to manage multiple priorities</li><li>Evidence-based decision support</li><li>Ability to work under time pressure</li><li>Formatting summary</li></ul> </div>

Location<br><br>Chicago, IL; Austin, TX; New York, NY; Royal Oak, MI; San Francisco, CA<br><br>Employment Type<br><br>Full time<br><br>Department<br><br>Innovation<br><br>Compensation<br><br>$180K – $225K<br><br>Please note the salary range listed is just one component of a competitive compensation package which may include a company stock plan depending on role eligibility. Offers will be reflective of the candidate’s location, qualifications, and experience.<br><br>Overview Application<br><br>About Spot On<br><br>We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.<br><br>Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real users Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running<br><br>We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, Spot On is the place for you.<br><br>About The Role<br><br>As the Product Manager in Payments, you will own the strategy and execution for Spot On’s end-to-end payments experience—spanning card-present and card-not-present acceptance, transaction processing, routing, and the downstream flows that get merchants paid. You will define how payments are presented, authorized, captured, settled, and funded across our hospitality-focused ecosystem, ensuring reliability, security, and compliance while driving a best-in-class experience for restaurants and other hospitality merchants.<br><br>While your primary charter is the broader payments product, you will also partner with our money movement and remittance functions to make sure merchant funding is accurate, predictable, and transparent—ensuring the economics and timing of merchant processing show up cleanly in our product surfaces.<br><br>We are looking for a strong product leader—someone who can set a clear vision, rally engineering, design, operations, GTM, and external partners around it, and make confident trade-offs in a high-stakes, highly regulated domain. Your success will be measured by payment performance (authorization rates, latency, and resiliency), merchant satisfaction, funding accuracy, and the ability to unlock new payment capabilities that help merchants grow revenue and reduce operational friction.<br><br>Responsibilities:<br><br>Payments Strategy & Execution:<br><br>Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups. Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health. Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization). Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation. Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate Spot On for hospitality. Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.<br><br>Money Movement & Remittance (partnership Scope):<br><br>Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting. Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.<br><br>Cross-Functional Leadership:<br><br>Act as the primary product point of contact for payments across Spot On, aligning stakeholders around a clear vision, roadmap, and success metrics. Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions. Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives. Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions. Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.<br><br>Qualifications:<br><br>5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products. Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes. Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants. Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment. Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation. Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams. Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences. Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers. High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.<br><br>Compensation:<br><br>Our base pay range starts at $180,000 -$225,000/year for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience.<br><br>Benefits: <br><br>At Spot On, we put people above everything else. We’re known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We can’t take care of our clients without taking care of our employees first, and that’s why we invest in you with a competitive benefits package which includes:<br><br>Medical, Dental and Vision Insurance 401k with company match RSUsPaid vacation, 10 company holidays, sick time, and volunteer time off Employee Resource Groups to build community and inclusion at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development<br><br>We will never ask candidates to pay fees, purchase equipment, or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@spoton.com). If something seems suspicious, please contact us at careers@spoton.com.<br><br>Spot On is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.<br><br>Work authorization in the U. S. is required. Visa sponsorship is not available for this role.<br><br>Spot On is an E-Verify company.<br><br>Compensation Range: $180K - $225K<br><br>About Spot On<br><br>We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.<br><br>Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real users Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running<br><br>We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, Spot On is the place for you.<br><br>Payments Strategy & Execution:<br><br>Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups. Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health. Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization). Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation. Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate Spot On for hospitality. Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.<br><br>Money Movement & Remittance (partnership Scope):<br><br>Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting. Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.<br><br>Cross-Functional Leadership:<br><br>Act as the primary product point of contact for payments across Spot On, aligning stakeholders around a clear vision, roadmap, and success metrics. Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions. Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives. Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions. Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.<br><br>Qualifications:<br><br>5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products. Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes. Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants. Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment. Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation. Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams. Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences. Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers. High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.<br><br>Compensation:<br><br>Our base pay range starts at $180,000 -$225,000/year for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience.<br><br>At Spot On, We Put People Above Everything Else. We’re Known For Our Innovative Software And Technology Solutions, But We Stand Out Because Of The Hard-working Humans Behind The Tech. We Can’t Take Care Of Our Clients Without Taking Care Of Our Employees First, And That’s Why We Invest In You With a Competitive Benefits Package Which Includes:<br><br>Medical, Dental and Vision Insurance 401k with company match RSUsPaid vacation, 10 company holidays, sick time, and volunteer time off Employee Resource Groups to build community and inclusion at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development<br><br>We will never ask candidates to pay fees, purchase equipment, or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@spoton.com). If something seems suspicious, please contact us at careers@spoton.com.<br><br>Spot On is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.<br><br>Work authorization in the U. S. is required. Visa sponsorship is not available for this role.<br><br>Spot On is an E-Verify company.<br><br>Compensation Range: $180K - $225K<br><br>About Spot On<br><br>We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.<br><br>Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real users Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running<br><br>We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, Spot On is the place for you.<br><br>Payments Strategy & Execution:<br><br>Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups. Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health. Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization). Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation. Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate Spot On for hospitality. Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.<br><br>Money Movement & Remittance (partnership Scope):<br><br>Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting. Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.<br><br>Cross-Functional Leadership:<br><br>Act as the primary product point of contact for payments across Spot On, aligning stakeholders around a clear vision, roadmap, and success metrics. Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions. Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives. Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions. Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.<br><br>Qualifications:<br><br>5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products. Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes. Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants. Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment. Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation. Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams. Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences. Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers. High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.<br><br>Compensation:<br><br>Our base pay range starts at $180,000 -$225,000/year for this role Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan Offers will be reflective of the candidate’s location and experience.<br><br>At Spot On, We Put People Above Everything Else. We’re Known For Our Innovative Software And Technology Solutions, But We Stand Out Because Of The Hard-working Humans Behind The Tech. We Can’t Take Care Of Our Clients Without Taking Care Of Our Employees First, And That’s Why We Invest In You With a Competitive Benefits Package Which Includes:<br><br>Medical, Dental and Vision Insurance 401k with company match RSUsPaid vacation, 10 company holidays, sick time, and volunteer time off Employee Resource Groups to build community and inclusion at work Monthly cell phone and internet stipend Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development<br><br>We will never ask candidates to pay fees, purchase equipment, or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@spoton.com). If something seems suspicious, please contact us at careers@spoton.com.<br><br>Spot On is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.<br><br>Work authorization in the U. S. is required. Visa sponsorship is not available for this role.<br><br>Spot On is an E-Verify company.<br><br>Compensation Range: $180K - $225K