Technical Program Manager, Payments & Billing

TECHNICAL PROGRAM MANAGER, PAYMENTS & BILLING | ACORNS At Acorns, our mission is to look after the financial best interests of the up-and-coming, beginning with the empowering, proud step of micro-investing. How do we accomplish our mission? Our values: Lead With Heart, Make Bold Decisions, Always Build Trust, Never Stop Growing, and Find a Way. These values guide us, and our mission drives us. Come join us and help deliver financial wellness for the whole family, putting the tools of wealth-making into everyone’s hands. Acorns is seeking a Technical Program Manager to lead the evolution of our Payments, Billing, and Account Linking infrastructure. In this role, you will be the architect and operator of the payment, point of sale, and money movement systems for millions of customers. You will focus on identifying improvements in the current systems and own the delivery of new product launches to provide the highest quality customer experience while maintaining a robust financial posture and scaling our systems for global use. Acorns is a remote-first organization, offering the flexibility to work remotely while providing optional access to office space in Irvine, CA. WHAT YOU WILL DO AT ACORNS: - Infrastructure Strategy: Collaborate with Engineering, Finance, and Data Science to define and execute the payments and billing roadmap, ensuring Acorns’ management of funding sources and account linking is able to scale and our billing platform is dynamic to enable net new product opportunities. - Seamless Account Linking: Identify areas of opportunity and drive the delivery of improvements for bank account connectivity, improving the customer experience across account linking and verification experiences and building sophisticated monitoring to prevent blind spots and future issues. - Billing and Payment Excellence: Develop the strategy for how Acorns will leverage technologies like Recurly, Apple Pay, Google Pay, debit card providers, and ACH to reduce friction for our customers and implement the proper controls to prevent future billing concerns, optimizing the customer experience and delivery high quality product improvements. - Frictionless Money Movement: Expand Acorns ecosystem beyond Apple Pay and Google Pay to include future integrations like Venmo, Zelle, and other emerging rails, optimizing both the backend architecture and the customer experience. - Operational Efficiency: Treat operations as a customer by driving workflow strategies and tools that help scale the internal team's value and efficiency in managing payment exceptions and billing inquiries. - Vendor & Partner Management: Lead high-stakes relationships and technical integrations with processors, bank SaaS providers, payment vendors, and merchants. WHAT YOU WILL BRING TO ACORNS: - Technical Product Mastery: 5+ years of Technical Program Management experience in Fintech, with a proven track record of running complex projects that balance technical constraints with customer needs. - Payments Expertise: Strong foundational knowledge of the mechanics of apple pay, google pay, credit/debit cards, prepaid cards, and the nuances of working with payment processors, point of sale systems, and banking institutions. - Technical Savvy: An understanding of APIs, SQL, and the mechanics of payment processing and account linking (e.g., Plaid). - Account Connectivity Knowledge: Deep understanding of account connectivity (e.g., Plaid, manual linking, and automated verification) and how to optimize these for conversion and security. - Customer Obsession: A mindset that prioritizes both the Acorns customer and our internal operations team, with the ability to build a seamless payment platform that reflects our brand. - Scientific Approach: Expertise in data analysis and the ability to articulate using data the tradeoff between enhancing security postures against adding friction to the customer experience. - Hunger to deliver game-changing products. - Exceptional drive and precision in delivery. - A belief that your work is tied to your life's mission. - Optimistic about the potential of societal change. You are not expected to have experience with all listed requirements. If you feel passionate about Acorns' mission, vision, and values, please apply. WHAT WE OFFER: - Competitive salary and stock options - A comprehensive benefits package for you and your family - Flexible work location, hours, and paid time off - 401(k) matching - Monthly Acorns account contribution & GoHenry account for your family - Mindfulness and Financial Wellness resources, Headspace and Addition Wealth - Acorns Career Development Program (Ongoing training sessions, development plans, development check-ins, Cornerstone’s online training platform) - Roots Leadership Program for Emerging Leaders - Community week onsite gatherings and various virtual events - Talented and motivated team members who care deeply about one another, our mission, and our customers. - The rare opportunity to create a new world. We inspire one another every day to do meaningful work that solves big societal challenges. ABOUT ACORNS: Acorns is a financial wellness app that helps everyday people and families save and invest money for the long term. Since 2014, Acorns has grown into a global company with multiple life-stage products serving the needs of kids, teens, adults, and parents. Named one of Time’s “World’s Best Brands of 2024,” Acorns has helped over 14 million people save & invest over $25 billion dollars, much of it from spare change and small amounts. COMPENSATION INFORMATION: The pay range for this position at commencement of employment is expected to be between $150,000 and $170,000/year; however, base pay offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. The total compensation package for this position may also include other elements, including equity grants, and discretionary cash bonus awards in addition to a full range of medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits, such as vacation, sick time, and parental leave), dependent on the position offered. If hired, employee will be in an “at-will position” and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation program) at any time. WORK AUTHORIZATION: Acorns participates in E-Verify to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit www.e-verify.gov http://www.e-verify.gov. Would you like me to refine the technical requirements further or perhaps create a social media post to promote this new opening?