Product Management Director jobs at S&P Global - 5046 jobs

FRAUD PRODUCT LEAD 1LOD WHAT IS THE OPPORTUNITY? The 1LOD Fraud Strategy and Analytics - Product Owner is responsible for the oversight of activities at an enterprise level for fraud risk management at CNB. Fraud Strategy work across all City National Bank, subsidiaries, and to develop, design and implement consistent controls combating fraud ensuring a consistent approach. Provide direction and oversight driving a high level of performance, a superior client experience and sustainable value creation for RBC shareholders. Lead the transformation of Fraud Managements capabilities and processes continuing best in class solutions. Fraud Strategy is accountable for being the primary point of contact for each business segment and for monitoring strategies to prevent, detect, and minimize fraud losses.As Fraud Product Owner this will involve identifying the risk trends, envisioning fraud remediation solution in-house and vendor based to help target the problem and working with Fraud SME, Tech experts and Business stakeholders to design the best in class fraud surveillance products to help mitigate the risk. This will also involve identifying the Target solution for managing the fraud risk effectively and iteratively delivering solutions to develop towards the target state. The Fraud Product Owner should be able to determine the key performance indicators to help define and manage progress and demonstrating progress against the key KPIs by building effective solution. As part of this role the individual will work closely with the cross functional team including technology, business, operations, investigation to design vision, develop requirement and deliver effective fraud prevention solution. WHAT WILL YOU DO? Develop, implement, and manage first line fraud product strategy and practice to ensure comprehensive coverage of internal and external fraud. Ensure adequacy of coverage for end-to-end processes that span multiple businesses. Understand upcoming threats and formulate fraud risk strategies and design and develop solution in partnership with technology organization to mitigate the risk Actively engage assigned units, subsidiary and affiliates to ensure that the fraud risk practice is balanced, comprehensive and a transparent reflection of CNB compared to risk appetite. Work directly with the leadership team to embed an understanding of the fraud risk profile and risk appetite into strategic decision making; challenge decision making that contradicts profile and risk appetite. Requirement Gathering and Analysis: Collaborate with stakeholders, including fraud analysists, risk managers and technology teams to gather requirements for fraud detection and prevention systems. Analyze and prioritize requirements based on business impact and feasibility Translate requirements into detailed specifications and design fraud prevention and detection solutions. Create a roadmap for system enhancements and new features considering both short term goals and long term vision Design the solution and build requirement for tool to support the reporting of fraud risk profiles, analysis and exposures to the Executives, Senior Management and RBC on a regular basis. Reporting should include existing and emerging areas of risk, implications for operational risk appetite, and the ability of the risk management and control infrastructure to support business activities. Quality Assurance and Testing: Collaborate with the quality assurance teams to define test plans and ensure the effectiveness of fraud detection algorithms and systems. Conduct user acceptance testing to validate the functionality and performance of the developed solutions Identify requirements for deep dive, initiate or lead deep dive assessments in the bank, as required. Participate in committees or associated governance/review activities on key business initiatives ensuring that existing and emerging fraud risks for new products, processes and transformational initiatives are identified. WHAT DO YOU NEED TO SUCCEED? Required Qualifications* Bachelor's Degree or equivalent Minimum 8 years in a combination of fraud risk management and designing fraud strategy to mitigate the risk Minimum 6 years banking/financial services and/or technology industry experience. Minimum 5 years of experience in designing the fraud prevention products with Financial institutes or tech industry Additional Qualifications Expert knowledge of Fraud Risk Management frameworks, policies and practices Strong leadership skills Proven business knowledge within the assigned Platform Strategic mindset, with excellent knowledge and understanding of banking/financial services Highly developed ability for conceptual thinking Excellent communication and presentation skills Well developed impact and influence skills Proven track record of building strong relationships across business functions Law enforcement or investigative background Experience in cybercrimes, financial fraud investigations, trading or sales fraud investigations WHAT'S IN IT FOR YOU? Compensation Starting base salary: $111,408 - $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. Benefits and Perks At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date Generous 401(k) company matching contribution Career Development through Tuition Reimbursement and other internal upskilling and training resources Valued Time Away benefits including vacation, sick and volunteer time Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs Career Mobility support from a dedicated recruitment team Colleague Resource Groups to support networking and community engagement Get a more detailed look at our Benefits and Perks. ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us. INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.#CA-NW.

About the role: As a Director, Product Management, First Time Use at 8am (formerly AffiniPay), you will own the critical first experiences that determine whether prospects become activated, engaged customers. This is an exciting opportunity to be part of our transformation from an exclusively sales-led organization focused on point solution adoption to a nimble multi-channel, multi-service platform that grows with our customers. You will own trial experiences, onboarding flows, activation moments, and the pathways that guide users from initial sign-up through their first meaningful value. You'll optimize conversion funnels, reduce time-to-value, and create delightful experiences that drive product adoption across our portfolio. Your deep understanding of user psychology, conversion optimization, onboarding best practices, and activation frameworks will allow you to identify opportunities to improve first-time experiences that can be leveraged across products, including existing and future solutions. About us: At 8am, our vision is to power a world where professionals thrive. We start every day on a mission to empower professionals with the most trusted, innovative technology to deliver world-class outcomes for their clients and exceptional financial results for their business. They count on our purpose-built solutions to simplify operations, ensure compliance, and fuel profitable growth, so they can focus on their clients and do more of the work that matters. Founded in 2005, 8am (formerly AffiniPay) is the professional business platform built to help legal, accounting, and other client-focused professionals run stronger, more profitable businesses. Today, more than 250,000 professionals across the U.S. trust 8am to help them work smarter, serve clients better, and unlock their full potential. We have been recognized as one of Inc 5000's fastest growing companies in the U.S. for 13 years in a row, and as a result, our teams continue to grow as well! What you'll do: Leverage strong product intuition and analytical skills to build a shared vision & roadmap for first-time use experiences, considering user needs, business goals, conversion metrics, and technical feasibility Own and optimize trial experiences, sign-up flows, onboarding journeys, and activation moments that drive users from initial interest through first meaningful value across the customer journey Identify and implement first-time use patterns and components that can be deployed uniformly to existing products and optimize time-to-value for new products Collaborate with Engineering, Design, and Growth partners to rapidly test, learn, and iterate on experiences that improve activation rates, conversion, and early engagement Understand customer problems, friction points, and behavioral patterns through qualitative research, user testing, and quantitative analysis to inform experience design Partner with Marketing, Sales, and Customer Success teams to ensure seamless handoffs and consistent messaging throughout the early customer journey Collaborate with Growth Enablement teams to leverage experimentation platforms, analytics infrastructure, and feature flagging to test hypotheses and measure impact Conduct discovery efforts and analyze qualitative and quantitative data to inform decision-making and iterate on solutions, driving measurable improvements in trial activation, conversion rates, time-to-value, and early retention Roll up your sleeves and obsess over every detail of the first-time experience-from copy and design to sequencing and timing-to create moments of delight that drive adoption Conduct discovery efforts, and analyze qualitative and quantitative data to inform decision-making and iterate on solutions, driving measurable improvements in performance, efficiency of development, cross-sell, account security and user experience Roll up your sleeves and dig into the details while obsessing over a simple, intuitive experience for both our customers and internal teams About you: 7-10+ years of growth infrastructure and enablement platforms in SaaS environments, with experience launching experimentation frameworks, analytics systems, and data infrastructure at scale Deep understanding of conversion optimization, user onboarding best practices, activation frameworks, and the psychological drivers of early product adoption Strong analytical skills with experience using product analytics tools (Amplitude, Mixpanel, Heap) to identify drop-off points, measure funnel performance, and validate hypotheses Solid understanding of how to leverage growth tech stacks including customer data platforms (Segment, mParticle), product analytics (Pendo, Amplitude, Mixpanel), experimentation platforms (LaunchDarkly, Optimizely), and PQL/scoring systems (Pocus, Correlated) Experience launching onboarding experiences and activation flows that serve multiple products and user segments Proven track record of improving key first-time use metrics like trial-to-paid conversion, activation rates, time-to-value, and early engagement Collaborative Approach: You can partner effectively with engineering, product, marketing, sales, and customer success teams to deliver exceptional first-time experiences Strategic Vision: You can articulate how infrastructure investments unlock growth capabilities across the organization Clear Communication: You are able to communicate effectively with technical and non-technical teams and simplify complex technical concepts for diverse audiences Business Acumen: You are extremely comfortable balancing user needs with business objectives and can make tradeoffs that optimize for both Problem Solver: Strong analytical skills and a data-driven approach to identifying friction, testing solutions, and measuring impact Customer Focus: Deep empathy for users at their most vulnerable moment-when they're trying something new-and commitment to reducing friction and building confidence Urgency: You move quickly, test hypotheses rapidly, and iterate based on data rather than waiting for perfection Adaptability: Thrive in a fast-paced environment and can pivot when data suggests a different approach Creative Thinker: Excitement for designing delightful moments that surprise users and accelerate their path to value Bachelor's degree in a directly related field, or equivalent practical experience Demonstrated experience leveraging AI tools and technologies to improve workflows, enhance decision-making, or drive innovation. Additional Information The annual salary range for this position is $175,000 to $250,000. The salary range for performing this role outside of the US / Austin / California may differ. 8am is committed to offering competitive, fair and commensurate compensation and has provided an estimated pay range for this role. Actual compensation may vary based on job-related knowledge, skills, experience and education. Why 8am: At 8am, our culture is shaped by the people who bring it to life every day. Together, we build a company rooted in continuous learning, genuine community, holistic wellness, and meaningful engagement-values that empower us as individuals and unite us as a team. Our culture is grounded in our core values: Work Smart, Win Fast; Outshine Ordinary, and We Find a Way. These values drive how we serve our customers and work with each other in a collaborative, inspiring, and empowering environment, every day. Here's how we support our 8Team: Health Insurance Coverage: We offer our 8Team a variety of medical, dental, and vision plans, designed to fit your needs, including a 100% company-paid HDHP plan for employees. Financial perks: We offer a competitive compensation and benefits package including annual bonuses, equity options and 401(k) or RRSP if in Canada, with a company match for all team members. Time for what matters: Flexible Time Off, paid holidays, and a parental leave program for our new parents. Wellness: Wellness stipends, mental health support, and one-on-one nutrition coaching. Learning and Development: Continuous learning through 8am.edu, leadership programs, professional development funds, and individually focused talent development. Giving back to the communities around us: Participate in our charitable matching gift program, paid time off for volunteer service, and company-sponsored volunteer events (both local and virtually). Engagement: Virtual and in-person team-building events, quarterly award recognition through our Rise & Shine Award of Excellence Program, and our peer-to-peer appreciation platform. At 8am, we don't just offer benefits - we create an environment where people can thrive, grow, and make a real impact every day. Diversity, equity & inclusion at 8am: At 8am, we recognize that innovation occurs with a strong team of people who are diverse in background, personality, talent and ideas. Experience comes in many forms and ensuring a diverse and inclusive workplace where we continue to learn from each other is an integral part of our culture. We are committed to creating a welcoming and transparent environment for all that embraces those differences through education, equal access to opportunities and information, inclusionary programs, and community outreach. Security advisory: Our hiring teams at 8am are dedicated to recruiting top talent that share our passion for serving the professional services industry through innovative financial technology. As such, our Talent Acquisition Team only follows legitimate hiring practices. We will always communicate with our candidates using emails with the 8am domain and will never ask for sensitive/personal data during the application process. All interviews take place over phone call, Zoom/Google Meet or in person. All offers are communicated verbally by our Talent Acquisition Specialists with a written offer letter as a follow up.

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. The Network & Acquirer Solutions (NAS) team is at the heart of American Express and is a core function within the Global Merchant and Network Services (GMNS) business unit. Each year, we power billions of transactions through our global payments network, serving our Issuing & Acquiring partners in more than 170 markets worldwide. We grow revenue by driving strategic, multi-year initiatives to deliver differentiated value to our merchants, partners, and customers. The Network Product & Enablement team with NAS is responsible for the Network, the maintenance of existing functionality, the development of new products and services, and operations. Our solutions deliver value to American Express' Card Members, acquirers and partners across the globe, whether proprietary or third-party by facilitating secure and seamless transactions between American Express' issuers, acquirers and merchants. Our goal is to enable Card Members to pay however and wherever they choose. We deliver on these by setting the vision and strategy for the Network, anchoring our priorities into those of the enterprise, and developing and managing an associated set of products. We keep the customer perspective top-of-mind, factor in competition and regulatory trends, and apply an end-to-end product management approach (i.e., including strategy, roadmaps, scaling plans, business cases, success metrics, KPIs). We lead the end-to-end process, manage the end-to-end partner lifecycle and are also responsible for industry intelligence and engagement through various governing bodies. **About the Role** The Director, Debit Product Management & Delivery, will lead the development and commercialization of American Express's Debit acquiring capabilities - from concept through deployment. This role will ensure new Debit products and features are designed, built, and launched to meet customer, partner, and business needs. Reporting to the Vice President, Debit U.S. Program and Go-To-Market, this leader will oversee the full delivery from defining requirements to driving development across Network, Acquiring, and technology teams to ensure seamless execution. **Key Responsibilities** + **Lead Product Development:** Manage the roadmap for U.S. Debit acquiring capabilities, from ideation through market launch, ensuring delivery of high-quality, compliant, and market-ready solutions. + **Delivery Leadership:** Oversee day-to-day execution across technology and business workstreams; ensure timelines, budgets, and deliverables are met. + **Stakeholder Collaboration:** Partner closely with Network, Risk, Operations, and Go-To-Market teams to ensure readiness and alignment across 30 workstreams and multiple enterprise functions. + **Operational Excellence:** Embed processes, controls, and governance frameworks to ensure scalable, sustainable delivery. + **Partner Integration:** Manage interactions with network and acquiring partners, driving solution design, testing, and deployment readiness. + **Team Leadership:** Build, lead, and develop a team of product managers and delivery experts to achieve strategic and operational objectives. **Minimum Qualifications** + 5 years of product management, program delivery, or acquiring experience + Proven experience leading cross-functional delivery programs with multiple stakeholders and dependencies + Deep understanding of U.S. Debit routing, processing, and acquiring infrastructure + Strong project management discipline, with ability to deliver complex initiatives on time and within scope + Excellent communication and problem-solving skills, with ability to navigate ambiguity and influence outcomes + Bachelor's degree or equivalent experience required; advanced degree preferred + Strongly Preferred: U.S. Debit acquiring experience **Qualifications** Salary Range: $144,250.00 to $256,250.00 annually bonus equity (if applicable) benefits The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: + Competitive base salaries + Bonus incentives + 6% Company Match on retirement savings plan + Free financial coaching and financial well-being support + Comprehensive medical, dental, vision, life insurance, and disability benefits + Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need + 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy + Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) + Free and confidential counseling support through our Healthy Minds program + Career development and training opportunities For a full list of Team Amex benefits, visit our Colleague Benefits Site . American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers - Click to view the " Know Your Rights " poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: *************************** Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job:** Product **Primary Location:** US-New York-New York **Other Locations:** US-South Carolina-Charleston, US-California-Palo Alto, US-Florida-Sunrise, US-Utah-Salt Lake City, US-Georgia-Atlanta, US-California-San Francisco, US-Utah-Sandy, US-Illinois-Chicago **Schedule** Full-time **Req ID:** 25021334

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. The Network & Acquirer Solutions (NAS) team is at the heart of American Express and is a core function within the Global Merchant and Network Services (GMNS) business unit. Each year, we power billions of transactions through our global payments network, serving our Issuing & Acquiring partners in more than 170 markets worldwide. We grow revenue by driving strategic, multi-year initiatives to deliver differentiated value to our merchants, partners, and customers. The Network Product & Enablement team with NAS is responsible for the Network, the maintenance of existing functionality, the development of new products and services, and operations. Our solutions deliver value to American Express' Card Members, acquirers and partners across the globe, whether proprietary or third-party by facilitating secure and seamless transactions between American Express' issuers, acquirers and merchants. Our goal is to enable Card Members to pay however and wherever they choose. We deliver on these by setting the vision and strategy for the Network, anchoring our priorities into those of the enterprise, and developing and managing an associated set of products. We keep the customer perspective top-of-mind, factor in competition and regulatory trends, and apply an end-to-end product management approach (i.e., including strategy, roadmaps, scaling plans, business cases, success metrics, KPIs). We lead the end-to-end process, manage the end-to-end partner lifecycle and are also responsible for industry intelligence and engagement through various governing bodies. About the Role The Director, Debit Product Management & Delivery, will lead the development and commercialization of American Express's Debit acquiring capabilities - from concept through deployment. This role will ensure new Debit products and features are designed, built, and launched to meet customer, partner, and business needs. Reporting to the Vice President, Debit U.S. Program and Go-To-Market, this leader will oversee the full delivery from defining requirements to driving development across Network, Acquiring, and technology teams to ensure seamless execution. Key Responsibilities Lead Product Development: Manage the roadmap for U.S. Debit acquiring capabilities, from ideation through market launch, ensuring delivery of high-quality, compliant, and market-ready solutions. Delivery Leadership: Oversee day-to-day execution across technology and business workstreams; ensure timelines, budgets, and deliverables are met. Stakeholder Collaboration: Partner closely with Network, Risk, Operations, and Go-To-Market teams to ensure readiness and alignment across 30+ workstreams and multiple enterprise functions. Operational Excellence: Embed processes, controls, and governance frameworks to ensure scalable, sustainable delivery. Partner Integration: Manage interactions with network and acquiring partners, driving solution design, testing, and deployment readiness. Team Leadership: Build, lead, and develop a team of product managers and delivery experts to achieve strategic and operational objectives. Minimum Qualifications 5+ years of product management, program delivery, or acquiring experience Proven experience leading cross-functional delivery programs with multiple stakeholders and dependencies Deep understanding of U.S. Debit routing, processing, and acquiring infrastructure Strong project management discipline, with ability to deliver complex initiatives on time and within scope Excellent communication and problem-solving skills, with ability to navigate ambiguity and influence outcomes Bachelor's degree or equivalent experience required; advanced degree preferred Strongly Preferred: U.S. Debit acquiring experience Salary Range: $144,250.00 to $256,250.00 annually + bonus + equity (if applicable) + benefits The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: Competitive base salaries Bonus incentives 6% Company Match on retirement savings plan Free financial coaching and financial well-being support Comprehensive medical, dental, vision, life insurance, and disability benefits Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) Free and confidential counseling support through our Healthy Minds program Career development and training opportunities For a full list of Team Amex benefits, visit our Colleague Benefits Site. American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers - Click to view the "Know Your Rights" poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: *************************** Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. The Network & Acquirer Solutions (NAS) team is at the heart of American Express and is a core function within the Global Merchant and Network Services (GMNS) business unit. Each year, we power billions of transactions through our global payments network, serving our Issuing & Acquiring partners in more than 170 markets worldwide. We grow revenue by driving strategic, multi-year initiatives to deliver differentiated value to our merchants, partners, and customers. The Network Product & Enablement team with NAS is responsible for the Network, the maintenance of existing functionality, the development of new products and services, and operations. Our solutions deliver value to American Express' Card Members, acquirers and partners across the globe, whether proprietary or third-party by facilitating secure and seamless transactions between American Express' issuers, acquirers and merchants. Our goal is to enable Card Members to pay however and wherever they choose. We deliver on these by setting the vision and strategy for the Network, anchoring our priorities into those of the enterprise, and developing and managing an associated set of products. We keep the customer perspective top-of-mind, factor in competition and regulatory trends, and apply an end-to-end product management approach (i.e., including strategy, roadmaps, scaling plans, business cases, success metrics, KPIs). We lead the end-to-end process, manage the end-to-end partner lifecycle and are also responsible for industry intelligence and engagement through various governing bodies. **About the Role** The Director, Debit Product Management & Delivery, will lead the development and commercialization of American Express's Debit acquiring capabilities - from concept through deployment. This role will ensure new Debit products and features are designed, built, and launched to meet customer, partner, and business needs. Reporting to the Vice President, Debit U.S. Program and Go-To-Market, this leader will oversee the full delivery from defining requirements to driving development across Network, Acquiring, and technology teams to ensure seamless execution. **Key Responsibilities** + **Lead Product Development:** Manage the roadmap for U.S. Debit acquiring capabilities, from ideation through market launch, ensuring delivery of high-quality, compliant, and market-ready solutions. + **Delivery Leadership:** Oversee day-to-day execution across technology and business workstreams; ensure timelines, budgets, and deliverables are met. + **Stakeholder Collaboration:** Partner closely with Network, Risk, Operations, and Go-To-Market teams to ensure readiness and alignment across 30 workstreams and multiple enterprise functions. + **Operational Excellence:** Embed processes, controls, and governance frameworks to ensure scalable, sustainable delivery. + **Partner Integration:** Manage interactions with network and acquiring partners, driving solution design, testing, and deployment readiness. + **Team Leadership:** Build, lead, and develop a team of product managers and delivery experts to achieve strategic and operational objectives. **Minimum Qualifications** + 5 years of product management, program delivery, or acquiring experience + Proven experience leading cross-functional delivery programs with multiple stakeholders and dependencies + Deep understanding of U.S. Debit routing, processing, and acquiring infrastructure + Strong project management discipline, with ability to deliver complex initiatives on time and within scope + Excellent communication and problem-solving skills, with ability to navigate ambiguity and influence outcomes + Bachelor's degree or equivalent experience required; advanced degree preferred + Strongly Preferred: U.S. Debit acquiring experience **Qualifications** Salary Range: $144,250.00 to $256,250.00 annually bonus equity (if applicable) benefits The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: + Competitive base salaries + Bonus incentives + 6% Company Match on retirement savings plan + Free financial coaching and financial well-being support + Comprehensive medical, dental, vision, life insurance, and disability benefits + Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need + 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy + Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) + Free and confidential counseling support through our Healthy Minds program + Career development and training opportunities For a full list of Team Amex benefits, visit our Colleague Benefits Site . American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers - Click to view the " Know Your Rights " poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: *************************** Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job:** Product **Primary Location:** US-New York-New York **Other Locations:** US-South Carolina-Charleston, US-California-Palo Alto, US-Florida-Sunrise, US-Utah-Salt Lake City, US-Georgia-Atlanta, US-California-San Francisco, US-Utah-Sandy, US-Illinois-Chicago **Schedule** Full-time **Req ID:** 25021334

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. The Network & Acquirer Solutions (NAS) team is at the heart of American Express and is a core function within the Global Merchant and Network Services (GMNS) business unit. Each year, we power billions of transactions through our global payments network, serving our Issuing & Acquiring partners in more than 170 markets worldwide. We grow revenue by driving strategic, multi-year initiatives to deliver differentiated value to our merchants, partners, and customers. The Network Product & Enablement team with NAS is responsible for the Network, the maintenance of existing functionality, the development of new products and services, and operations. Our solutions deliver value to American Express' Card Members, acquirers and partners across the globe, whether proprietary or third-party by facilitating secure and seamless transactions between American Express' issuers, acquirers and merchants. Our goal is to enable Card Members to pay however and wherever they choose. We deliver on these by setting the vision and strategy for the Network, anchoring our priorities into those of the enterprise, and developing and managing an associated set of products. We keep the customer perspective top-of-mind, factor in competition and regulatory trends, and apply an end-to-end product management approach (i.e., including strategy, roadmaps, scaling plans, business cases, success metrics, KPIs). We lead the end-to-end process, manage the end-to-end partner lifecycle and are also responsible for industry intelligence and engagement through various governing bodies. About the Role The Director, Debit Product Management & Delivery, will lead the development and commercialization of American Express's Debit acquiring capabilities - from concept through deployment. This role will ensure new Debit products and features are designed, built, and launched to meet customer, partner, and business needs. Reporting to the Vice President, Debit U.S. Program and Go-To-Market, this leader will oversee the full delivery from defining requirements to driving development across Network, Acquiring, and technology teams to ensure seamless execution. Key Responsibilities Lead Product Development: Manage the roadmap for U.S. Debit acquiring capabilities, from ideation through market launch, ensuring delivery of high-quality, compliant, and market-ready solutions. Delivery Leadership: Oversee day-to-day execution across technology and business workstreams; ensure timelines, budgets, and deliverables are met. Stakeholder Collaboration: Partner closely with Network, Risk, Operations, and Go-To-Market teams to ensure readiness and alignment across 30+ workstreams and multiple enterprise functions. Operational Excellence: Embed processes, controls, and governance frameworks to ensure scalable, sustainable delivery. Partner Integration: Manage interactions with network and acquiring partners, driving solution design, testing, and deployment readiness. Team Leadership: Build, lead, and develop a team of product managers and delivery experts to achieve strategic and operational objectives. Minimum Qualifications 5+ years of product management, program delivery, or acquiring experience Proven experience leading cross-functional delivery programs with multiple stakeholders and dependencies Deep understanding of U.S. Debit routing, processing, and acquiring infrastructure Strong project management discipline, with ability to deliver complex initiatives on time and within scope Excellent communication and problem-solving skills, with ability to navigate ambiguity and influence outcomes Bachelor's degree or equivalent experience required; advanced degree preferred Strongly Preferred: U.S. Debit acquiring experience Salary Range: $144,250.00 to $256,250.00 annually + bonus + equity (if applicable) + benefits The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: Competitive base salaries Bonus incentives 6% Company Match on retirement savings plan Free financial coaching and financial well-being support Comprehensive medical, dental, vision, life insurance, and disability benefits Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) Free and confidential counseling support through our Healthy Minds program Career development and training opportunities For a full list of Team Amex benefits, visit our Colleague Benefits Site. American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers - Click to view the "Know Your Rights" poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: *************************** Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

Vice President Trading Engineering Role We are currently sourcing for a Vice President Trading Engineer for Crypto Trading to work in Jersey City, New Jersey. The Role Vice President Trading Engineer will be working in development and delivery of high quality, timely and maintainable software solutions in an agile environment which meet functional and non-functional business requirements. This role will involve partner & stakeholder engagement, design and release support. Designing and implementing technology solutions for the Fidelity Digital Asset business High Performance algorithms for trading / crypto trading Working closely with our business partners to contribute to business-critical initiatives Demonstrate software engineering excellence through continuous integration, continuous deployment, Keeps current with IT blueprint, frameworks and technologies that would benefit us and improve our productivity; guides junior team members on technology Collaborate with multiple stakeholders/large cross functional teams as part of work delivery Follows practices and contribute towards innovative solutions to increase productivity This is a hands-on role where you will write code for product features Set technical direction for software developers by concluding design with other tech leads and architecture. The Expertise and Skills You Bring Bachelor's degree in computer science or related field required At least 12 years of software engineering experience Strong background in designing and developing low latency trading systems. Experience in building SOR, Algo engine, or exchange-connectivity for Equities or Crpto. Experience using kernel bypass e.g., Solarflare OpenOnLoad. Extensive experience with modern Java using zero GC pattern. Highly proficient in ultra-low latency design patterns and optimizing trading systems. Hands on experience with low latency messaging products, such as Aeron, Solace or 29West. Knowledge of FIX protocols Proficient in SQL and a working knowledge of relational and time series databases Experience with designing APIs, distributed systems, asynchronous workers and resilient messaging services An understanding of cloud-based deployments using Kubernetes and AWS Ability to build reliable software that can withstand unreliable environments Can provide leadership and mentorship across small, agile teams in a very collaborative environment where your ideas are welcome Solid analytical, communication, and organizational skills An interest in and experience with cryptocurrencies and a passion for keeping up to date in the space. Have the drive and ability to deliver software with a high degree of automation Proficient with version control systems and can handle development for multiple releases in parallel Have the spirit and willingness to contribute to org level innovation Have a learning mindset and is able to demonstrate versatility in addition to your specialization Should have the ability to work effectively with both partners and project team members Have Knowledge of Agile methodologies or iterative development processes Have Knowledge of Acceptance test-driven development a plus. Have Ability to take ownership Coach team members and take accountability for the deliverables Excellent collaboration and Interpersonal skills Great attitude, being a mentor, team player and effective contributor You have Focus on productivity Experience in Capital markets or Crypto Currency specifically with exposure to Trading, Algo Trading. The Team Fidelity Digital Assets, a Fidelity Investments Company, is developing a full-service enterprise-grade platform for storing, trading and servicing digital assets, such as Bitcoin and Ethereum. Fidelity Digital Assets adopts an entrepreneurial culture and startup approach while serving as one of the most innovative business units within Fidelity Investments. Our global, diverse team of hundreds of forward-thinking professionals lead with agility and creativity to build solutions that bridge the gap between traditional institutional investors and their exposure to digital assets. The firm's tenure and experience across multiple business lines present our employees with unprecedented access to knowledge, technology, and resources that help our team reshape the future of finance. As a Software Engineer you will be an integral part of the Trading team. You'll get the opportunity to develop your skills, collaborate across Fidelity teams and continue to learn in a fun, collaborative, iterative, and rapidly changing environment. This is a hands-on role where you will write code for product features. It is a great opportunity to build secure, scalable, resilient cloud-based services utilizing modern software development practices. You will get the opportunity to develop your skills, collaborate across Fidelity teams and continue to learn in a fun, collaborative, iterative, and rapidly changing environment. The Fidelity Digital Asset Trading Team is responsible for platform services and APIs that manage trading of crypto currency. Platform contains a crossing engine and a smart router that would connect and send client orders to other exchanges and liquidity providers. In addition to aggregating market data and routing orders the platform also includes multiple internal/external facing user interfaces and API and services to support the platform. The base salary range for this position is $140,000-285,000 USD per year. Placement in the range will vary based on job responsibilities and scope, geographic location, candidate's relevant experience, and other factors. Base salary is only part of the total compensation package. Depending on the position and eligibility requirements, the offer package may also include bonus or other variable compensation. We offer a wide range of benefits to meet your evolving needs and help you live your best life at work and at home. These benefits include comprehensive health care coverage and emotional well-being support, market-leading retirement, generous paid time off and parental leave, charitable giving employee match program, and educational assistance including student loan repayment, tuition reimbursement, and learning resources to develop your career. Note, the application window closes when the position is filled or unposted. Please be advised that Fidelity's business is governed by the provisions of the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, the Investment Company Act of 1940, ERISA, numerous state laws governing securities, investment and retirement-related financial activities and the rules and regulations of numerous self-regulatory organizations, including FINRA, among others. Those laws and regulations may restrict Fidelity from hiring and/or associating with individuals with certain Criminal Histories. Most roles at Fidelity are Hybrid, requiring associates to work onsite every other week (all business days, M-F) in a Fidelity office. This does not apply to Remote or fully Onsite roles. Certifications: Category: Information Technology

A leading investment management firm is seeking an Investment Director to raise capital from institutional investors. The ideal candidate will have a proven track record in asset raising within fixed income and index strategies, along with extensive relationship-building skills. Responsibilities include cultivating client relationships and collaborating with teams to enhance AUM growth. Candidates should possess strong communication skills and be able to navigate the institutional investment landscape effectively. Competitive salary offered with a broad benefits package. #J-18808-Ljbffr

A leading financial services firm in California is searching for a Senior Product Marketing Manager to drive product adoption within the title and escrow industry. This role will be responsible for developing go-to-market strategies, creating marketing collateral, and ensuring client enablement while working closely with various teams. Ideal candidates should have over 5 years of product marketing experience and a Bachelor's degree in a related field. The estimated pay range for this position is $126,100 to $168,125 annually. #J-18808-Ljbffr

Meet ACQ: At Acquisition.com, we're a team of entrepreneurs on a mission to make real business education available to everyone. There are 34 million small and medium businesses in the United States. They're the backbone of the economy, but many will never reach their full potential because the education available to them is outdated, impractical, and built for classrooms instead of companies. We're fixing that by giving founders and business owners the tools, knowledge, and support they need to grow. The proof is in our results: Built an Advisory Practice that's already served more than 3,500 clients in its first year Broke the world record for non-fiction book sales in 24 hours with $100M Money Models Scaled to nine figures in 18 months without any outside capital We believe in high standards, hard work, and helping others win. If that resonates, you'll feel at home here. Role: The Director of Business Strategy is a builder at heart - someone who has taken small businesses or startups from messy, ambiguous beginnings to real, sustainable scale. You've either done it from the inside as an operator or alongside founders as a consultant, advisor, or agency lead. In this role, you'll work directly with founders to figure out what's really holding their business back - and what to do about it. You'll come into each workshop with a clear hypothesis, pressure-test it live with the client, and walk away with a focused game plan to grow their business. You'll also help turn those insights into repeatable frameworks and tools we can use across our portfolio and clientele. Here's what you'll actually do: Apply our framework to break down businesses quickly and clearly. Review pre-work to identify key constraints and potential action steps. Lead consulting sessions at live workshops with real businesses in real time. Build and maintain relationships with client companies throughout their journey with us. Work with our internal team to turn your learnings into assets that scale (playbooks, templates, etc.). To win in this role, you need real business acumen, strong pattern recognition, and the ability to think on your feet. You should genuinely enjoy working with people, teaching, and solving problems with them - not for them. Why This Role Matters (for You): If you're hungry to grow - this is your shot. You'll get exposed to dozens of real businesses, real problems, and real founders. That means your skill set grows exponentially faster than it would inside a single company. You'll also build a killer network and get a front-row seat to what's working (and what's not) across industries. More importantly you'll get to help good entrepreneurs become great. And if you're someone who finds meaning in that kind of work, you'll love this role. If you're not ready for a fast paced entrepreneurial environment, this isn't the role for you. Responsibilities Develop a rapid growth strategy for attending businesses-identifying constraints, determining solutions, and breaking those solutions down into tactical steps Lead roundtable discussions with groups of attending businesses, including ‘spotlighting' businesses for live problem-solving Present solutions, frameworks, and playbooks during our workshops to guests and collaborate with the team in the creation and iteration of those assets and our growing knowledge base Maintain professional client relationships, answer questions, and serve as a trusted partner and subject matter expert for workshop participants. Partner with the portfolio team to identify opportunities to improve execution and scalability of workshops Training and coaching other team members on client engagement and asset creation, especially associate team members Serve as a backup presenter when needed for workshop events, ranging from short tactical presentations to MCing the event Results Create and deliver world-class consulting presentations consistently during workshops Deliver an exceptional experience to workshop attendees, in support of our standard of excellence in conducting workshops (our target NPS score for attendees is 85%+) Inspire workshop attendees to attend more Acquisition.com workshops and also refer friends or others to attend (target renewal rate is 80%+) Track impact and results from participating client businesses (target growth rate for attending businesses should be at least $250k per business on average) Uphold company values and culture in all interactions with workshop participants. Requirements Proven track record of elite-level business expertise across strategy, operations, and high-growth execution Ideal candidates have experience in top-tier management consulting or a similarly rigorous role, or a history of entrepreneurial success in founding, scaling, and ideally exiting a company with 7-9 figure annual revenue Leadership in fast-paced, startup-like environments, driving strategy, team building, and scalable processes Exceptional written and verbal communication skills, especially for a business owner audience Strong influencing ability - capable of quickly understanding and overcoming objections or blockers from workshop attendees High emotional intelligence with a willingness to develop deep interpersonal relationships Strong business acumen with the confidence and knowledge to teach others Demonstrated experience as a creative problem solver with the ability to structure complex issues quickly and with deep proficiency Comfortable with ambiguity and adaptable to a fast-changing environment Demonstrated integrity and dedication to effective, efficient delivery of objectives Self-motivated, detail-oriented, and able to work autonomously Located in or willing to relocate to Las Vegas Workshop Schedule Expectations Our workshop weeks are intentionally high-intensity and fast-paced to drive transformation for our partners. During these weeks, team members are expected to be available from 7:00 AM to 7:00 PM, with additional hours often required to support preparation, execution, and debriefs. This pace is not for everyone - and that's okay. We set this expectation clearly so that only those who thrive in high-accountability, high-impact environments choose to be here. In return, you'll be part of a team that moves fast, solves real business problems, and builds meaningful outcomes. You'll grow rapidly, work alongside exceptional talent, and contribute to work that truly matters. Compensation $173,340 - $260,010 + bonus based on years of experience At Acquisition.com, we offer competitive, salary-based compensation tailored to the role, with performance bonuses based on experience and contribution. Equity is not part of our current compensation structure. We believe in rewarding results and setting clear financial expectations from the start. Relocation Assistance We know that great talent comes from all over, so we're here to help you make the move. For this role, we offer: $10,000 in relocation support Up to three months of temporary housing (capped at $10,000) Benefits We offer a comprehensive, evolving benefits package designed to support your health, family, and wellbeing. Some key offerings: Flexible Unlimited Paid Time Off and Company-wide Holidays Employer sponsored Medical, Dental, & Vision plans $900 annual Employer HSA contribution FSA options including dependent care Employee assistance program and mental health resources Employer match program for 401(k), eligible for both Traditional and Roth accounts $1,200 annual wellness reimbursement through JOON that supports health, family care, pet care, fitness, and more! For local or visiting team members, enjoy access to a state of the art gym at our HQ in Las Vegas Benefits eligibility applies only to full-time roles ACQ Core Values: Our core values are the heart and soul of this incredible company. The right person for this role will appreciate each of these values, personally subscribe to them, and understand why each is critical to having a great business. Competitive Greatness Be at your best when your best is needed. Enjoyment of a hard challenge. Those who have the drive to constantly improve, the superior intellect and long term commitment to see incremental improvements become compounding returns. Sincere Candor Have the self awareness to accurately perceive and communicate hard truths that improve others and self, the courage to do so, and the humility to accept them, even when it hurts. Nothing great can be built without feedback: internally or externally. Unimpeachable Character Be the type of person with whom people are always proud to associate, personally and professionally. We look for true alignment of thoughts, words, and actions towards a goal worth pursuing.

A leading real estate investment firm based in Cincinnati is seeking a Director for their Investments team. This role involves leading a team of analysts, overseeing the preparation of investment models, and collaborating with various departments to guide property acquisitions. The ideal candidate should have 5-10 years of experience in commercial real estate investment and possess advanced Excel and Argus Enterprise skills. This position is a unique opportunity to establish a new Investments vertical and contribute to the company's strategic growth. #J-18808-Ljbffr

A leading financial services firm in California seeks a Senior Product Associate to leverage expertise in product development within the API Management Platform. The role requires a minimum of 3 years of product management experience, strong analytical skills, and proficient knowledge of tools like JIRA. You will identify new product opportunities and collaborate with cross-functional teams to enhance existing offerings. The position offers a competitive rewards package and emphasizes diversity and inclusion. #J-18808-Ljbffr

A leading financial services firm in Miami is looking for a Private Banker to develop and manage client relationships and create tailored wealth management strategies. Candidates should have over 15 years of experience in the financial sector, strong knowledge of investment and credit products, and relevant licensing. This role offers a salary range of $200,000 to $500,000 plus comprehensive employee benefits including medical coverage and paid time off. #J-18808-Ljbffr

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role: Are you ready to elevate the design vision for how small businesses interact with their money? As the Payments + Risk Design Lead, you'll own end‑to‑end product design for some of the most complex and mission‑critical systems at Gusto. This is a senior individual‑contributor role that blends deep hands‑on design craft with cross‑functional leadership. You'll serve as a design leader alongside two other designers on the Payments + Risk team, helping elevate craft, drive alignment, and mentor teammates through mindful feedback and proficient collaboration. You combine systems thinking with remarkable UX and visual design skills, enabling you to craft scalable patterns, explore new interaction models, and raise the overall quality of our product experiences. You'll shape seamless and credible money‑movement experiences across Gusto's products-ensuring reliability, security, and simplicity at scale. About the Team: The Payments and Risk Platform is the foundation of Gusto's success. We ensure money moves seamlessly and securely between businesses, partners, employees, government entities, and Gusto itself. We enable rapid and proficient money movement while protecting our platform from financial risk. Our work spans re‑architecting Gusto's core payment systems, reducing false positives in fraud detection, and building credit and debt‑collection systems. Our mandate: enable fast, reliable payment flows and protect the platform, all while delivering great experiences at scale. Here's what you'll do day‑to‑day: Design end‑to‑end product experiences across complex financial workflows as a hands‑on senior IC. Define and drive the long‑term UX vision for Payments + Risk, aligned with Gusto's strategy for money movement, trust, and risk. Lead design strategy within your focus area, partnering closely with Product, Engineering, and Risk to create alignment and clarity. Elevate the visual and interaction design quality of Payments + Risk experiences, ensuring clarity, polish, and usability. Explore and define new UX/UI patterns for sophisticated workflows-especially where no patterns currently exist. Evolve and maintain the design system, shaping scalable components and interaction models that support critical customer journeys. Influence product and technical roadmaps by advocating for customer needs, design quality, and long‑term system health. Collaborate with Research to uncover and interpret user insights that inform product direction and UX strategy. Mentor other designers through feedback, pairing, and shared problem‑solving, helping raise the overall craft bar. Contribute to Gusto's design leadership community, shaping standards, processes, and design excellence across the organization. Here's what we're looking for: 8-10+ years of product design experience, including time spent in complex, technical, or large‑scale product domains. A portfolio demonstrating extraordinary UX and visual design craft, with high‑quality, polished product work. Proven ability to lead design direction, drive alignment, and influence cross‑functional partners. Experience designing for deeply technical systems, financial workflows, or other complex problem spaces. Expertise in systems thinking, with the ability to translate complexity into clear, elegant, and scalable experiences. Experience contributing to or evolving a design system-components, patterns, interaction models, and visual standards. Ability to define net‑new patterns and interaction models in ambiguous or emerging product areas. Comfort operating in ambiguity while balancing long‑term vision with rapid iteration and execution. AI fluency-knowledge of tools and workflows that enhance exploration, prototyping, or operational efficiency. A deep affinity for Gusto's mission to empower small businesses through modern, credible financial tools. At Gusto, we strive to provide rewards that empower employees to achieve their financial and personal goals. We offer competitive compensation packages with a strong emphasis on equity‑based compensation (ownership in Gusto). To learn more about Gusto's compensation philosophy and benefits offerings please view our Total Rewards Approach page. Our cash compensation range for this role is $172,000/yr to $215,000/yr in Denver & most remote locations, and $202,000/yr to $253,000/yr in San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2‑3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non‑office days for hybrid employees. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. #J-18808-Ljbffr

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role: Are you ready to elevate the design vision for how small businesses interact with their money? As the Payments + Risk Design Lead, you'll own end‑to‑end product design for some of the most complex and mission‑critical systems at Gusto. This is a senior individual‑contributor role that blends deep hands‑on design craft with cross‑functional leadership. You'll serve as a design leader alongside two other designers on the Payments + Risk team, helping elevate craft, drive alignment, and mentor teammates through mindful feedback and proficient collaboration. You combine systems thinking with remarkable UX and visual design skills, enabling you to craft scalable patterns, explore new interaction models, and raise the overall quality of our product experiences. You'll shape seamless and credible money‑movement experiences across Gusto's products-ensuring reliability, security, and simplicity at scale. About the Team: The Payments and Risk Platform is the foundation of Gusto's success. We ensure money moves seamlessly and securely between businesses, partners, employees, government entities, and Gusto itself. We enable rapid and proficient money movement while protecting our platform from financial risk. Our work spans re‑architecting Gusto's core payment systems, reducing false positives in fraud detection, and building credit and debt‑collection systems. Our mandate: enable fast, reliable payment flows and protect the platform, all while delivering great experiences at scale. Here's what you'll do day‑to‑day: Design end‑to‑end product experiences across complex financial workflows as a hands‑on senior IC. Define and drive the long‑term UX vision for Payments + Risk, aligned with Gusto's strategy for money movement, trust, and risk. Lead design strategy within your focus area, partnering closely with Product, Engineering, and Risk to create alignment and clarity. Elevate the visual and interaction design quality of Payments + Risk experiences, ensuring clarity, polish, and usability. Explore and define new UX/UI patterns for sophisticated workflows-especially where no patterns currently exist. Evolve and maintain the design system, shaping scalable components and interaction models that support critical customer journeys. Influence product and technical roadmaps by advocating for customer needs, design quality, and long‑term system health. Collaborate with Research to uncover and interpret user insights that inform product direction and UX strategy. Mentor other designers through feedback, pairing, and shared problem‑solving, helping raise the overall craft bar. Contribute to Gusto's design leadership community, shaping standards, processes, and design excellence across the organization. Here's what we're looking for: 8-10+ years of product design experience, including time spent in complex, technical, or large‑scale product domains. A portfolio demonstrating extraordinary UX and visual design craft, with high‑quality, polished product work. Proven ability to lead design direction, drive alignment, and influence cross‑functional partners. Experience designing for deeply technical systems, financial workflows, or other complex problem spaces. Expertise in systems thinking, with the ability to translate complexity into clear, elegant, and scalable experiences. Experience contributing to or evolving a design system-components, patterns, interaction models, and visual standards. Ability to define net‑new patterns and interaction models in ambiguous or emerging product areas. Comfort operating in ambiguity while balancing long‑term vision with rapid iteration and execution. AI fluency-knowledge of tools and workflows that enhance exploration, prototyping, or operational efficiency. A deep affinity for Gusto's mission to empower small businesses through modern, credible financial tools. At Gusto, we strive to provide rewards that empower employees to achieve their financial and personal goals. We offer competitive compensation packages with a strong emphasis on equity‑based compensation (ownership in Gusto). To learn more about Gusto's compensation philosophy and benefits offerings please view our Total Rewards Approach page. Our cash compensation range for this role is $172,000/yr to $215,000/yr in Denver & most remote locations, and $202,000/yr to $253,000/yr in San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2‑3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non‑office days for hybrid employees. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. #J-18808-Ljbffr

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role: Are you ready to elevate the design vision for how small businesses interact with their money? As the Payments + Risk Design Lead, you'll own end‑to‑end product design for some of the most complex and mission‑critical systems at Gusto. This is a senior individual‑contributor role that blends deep hands‑on design craft with cross‑functional leadership. You'll serve as a design leader alongside two other designers on the Payments + Risk team, helping elevate craft, drive alignment, and mentor teammates through mindful feedback and proficient collaboration. You combine systems thinking with remarkable UX and visual design skills, enabling you to craft scalable patterns, explore new interaction models, and raise the overall quality of our product experiences. You'll shape seamless and credible money‑movement experiences across Gusto's products-ensuring reliability, security, and simplicity at scale. About the Team: The Payments and Risk Platform is the foundation of Gusto's success. We ensure money moves seamlessly and securely between businesses, partners, employees, government entities, and Gusto itself. We enable rapid and proficient money movement while protecting our platform from financial risk. Our work spans re‑architecting Gusto's core payment systems, reducing false positives in fraud detection, and building credit and debt‑collection systems. Our mandate: enable fast, reliable payment flows and protect the platform, all while delivering great experiences at scale. Here's what you'll do day‑to‑day: Design end‑to‑end product experiences across complex financial workflows as a hands‑on senior IC. Define and drive the long‑term UX vision for Payments + Risk, aligned with Gusto's strategy for money movement, trust, and risk. Lead design strategy within your focus area, partnering closely with Product, Engineering, and Risk to create alignment and clarity. Elevate the visual and interaction design quality of Payments + Risk experiences, ensuring clarity, polish, and usability. Explore and define new UX/UI patterns for sophisticated workflows-especially where no patterns currently exist. Evolve and maintain the design system, shaping scalable components and interaction models that support critical customer journeys. Influence product and technical roadmaps by advocating for customer needs, design quality, and long‑term system health. Collaborate with Research to uncover and interpret user insights that inform product direction and UX strategy. Mentor other designers through feedback, pairing, and shared problem‑solving, helping raise the overall craft bar. Contribute to Gusto's design leadership community, shaping standards, processes, and design excellence across the organization. Here's what we're looking for: 8-10+ years of product design experience, including time spent in complex, technical, or large‑scale product domains. A portfolio demonstrating extraordinary UX and visual design craft, with high‑quality, polished product work. Proven ability to lead design direction, drive alignment, and influence cross‑functional partners. Experience designing for deeply technical systems, financial workflows, or other complex problem spaces. Expertise in systems thinking, with the ability to translate complexity into clear, elegant, and scalable experiences. Experience contributing to or evolving a design system-components, patterns, interaction models, and visual standards. Ability to define net‑new patterns and interaction models in ambiguous or emerging product areas. Comfort operating in ambiguity while balancing long‑term vision with rapid iteration and execution. AI fluency-knowledge of tools and workflows that enhance exploration, prototyping, or operational efficiency. A deep affinity for Gusto's mission to empower small businesses through modern, credible financial tools. At Gusto, we strive to provide rewards that empower employees to achieve their financial and personal goals. We offer competitive compensation packages with a strong emphasis on equity‑based compensation (ownership in Gusto). To learn more about Gusto's compensation philosophy and benefits offerings please view our Total Rewards Approach page. Our cash compensation range for this role is $172,000/yr to $215,000/yr in Denver & most remote locations, and $202,000/yr to $253,000/yr in San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2‑3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non‑office days for hybrid employees. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. #J-18808-Ljbffr

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role: Are you ready to elevate the design vision for how small businesses interact with their money? As the Payments + Risk Design Lead, you'll own end‑to‑end product design for some of the most complex and mission‑critical systems at Gusto. This is a senior individual‑contributor role that blends deep hands‑on design craft with cross‑functional leadership. You'll serve as a design leader alongside two other designers on the Payments + Risk team, helping elevate craft, drive alignment, and mentor teammates through mindful feedback and proficient collaboration. You combine systems thinking with remarkable UX and visual design skills, enabling you to craft scalable patterns, explore new interaction models, and raise the overall quality of our product experiences. You'll shape seamless and credible money‑movement experiences across Gusto's products-ensuring reliability, security, and simplicity at scale. About the Team: The Payments and Risk Platform is the foundation of Gusto's success. We ensure money moves seamlessly and securely between businesses, partners, employees, government entities, and Gusto itself. We enable rapid and proficient money movement while protecting our platform from financial risk. Our work spans re‑architecting Gusto's core payment systems, reducing false positives in fraud detection, and building credit and debt‑collection systems. Our mandate: enable fast, reliable payment flows and protect the platform, all while delivering great experiences at scale. Here's what you'll do day‑to‑day: Design end‑to‑end product experiences across complex financial workflows as a hands‑on senior IC. Define and drive the long‑term UX vision for Payments + Risk, aligned with Gusto's strategy for money movement, trust, and risk. Lead design strategy within your focus area, partnering closely with Product, Engineering, and Risk to create alignment and clarity. Elevate the visual and interaction design quality of Payments + Risk experiences, ensuring clarity, polish, and usability. Explore and define new UX/UI patterns for sophisticated workflows-especially where no patterns currently exist. Evolve and maintain the design system, shaping scalable components and interaction models that support critical customer journeys. Influence product and technical roadmaps by advocating for customer needs, design quality, and long‑term system health. Collaborate with Research to uncover and interpret user insights that inform product direction and UX strategy. Mentor other designers through feedback, pairing, and shared problem‑solving, helping raise the overall craft bar. Contribute to Gusto's design leadership community, shaping standards, processes, and design excellence across the organization. Here's what we're looking for: 8-10+ years of product design experience, including time spent in complex, technical, or large‑scale product domains. A portfolio demonstrating extraordinary UX and visual design craft, with high‑quality, polished product work. Proven ability to lead design direction, drive alignment, and influence cross‑functional partners. Experience designing for deeply technical systems, financial workflows, or other complex problem spaces. Expertise in systems thinking, with the ability to translate complexity into clear, elegant, and scalable experiences. Experience contributing to or evolving a design system-components, patterns, interaction models, and visual standards. Ability to define net‑new patterns and interaction models in ambiguous or emerging product areas. Comfort operating in ambiguity while balancing long‑term vision with rapid iteration and execution. AI fluency-knowledge of tools and workflows that enhance exploration, prototyping, or operational efficiency. A deep affinity for Gusto's mission to empower small businesses through modern, credible financial tools. At Gusto, we strive to provide rewards that empower employees to achieve their financial and personal goals. We offer competitive compensation packages with a strong emphasis on equity‑based compensation (ownership in Gusto). To learn more about Gusto's compensation philosophy and benefits offerings please view our Total Rewards Approach page. Our cash compensation range for this role is $172,000/yr to $215,000/yr in Denver & most remote locations, and $202,000/yr to $253,000/yr in San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2‑3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non‑office days for hybrid employees. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. #J-18808-Ljbffr

A leading FinTech company is seeking a Principal Product Manager to drive the strategy for compliance and risk products. This role involves cross-functional collaboration with Engineering, Operations, and Legal teams to ensure regulatory adherence and operational excellence. Candidates should have at least 8 years of product management experience, including expertise in risk and compliance. The position offers competitive salary, flexible remote-friendly culture, and opportunities for personal growth and equity participation. #J-18808-Ljbffr

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff-like payroll, health insurance, 401(k)s, and HR-so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we're proud to support more than 400,000 small businesses across the country, and we're building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy. About the Role: Are you ready to elevate the design vision for how small businesses interact with their money? As the Payments + Risk Design Lead, you'll own end‑to‑end product design for some of the most complex and mission‑critical systems at Gusto. This is a senior individual‑contributor role that blends deep hands‑on design craft with cross‑functional leadership. You'll serve as a design leader alongside two other designers on the Payments + Risk team, helping elevate craft, drive alignment, and mentor teammates through mindful feedback and proficient collaboration. You combine systems thinking with remarkable UX and visual design skills, enabling you to craft scalable patterns, explore new interaction models, and raise the overall quality of our product experiences. You'll shape seamless and credible money‑movement experiences across Gusto's products-ensuring reliability, security, and simplicity at scale. About the Team: The Payments and Risk Platform is the foundation of Gusto's success. We ensure money moves seamlessly and securely between businesses, partners, employees, government entities, and Gusto itself. We enable rapid and proficient money movement while protecting our platform from financial risk. Our work spans re‑architecting Gusto's core payment systems, reducing false positives in fraud detection, and building credit and debt‑collection systems. Our mandate: enable fast, reliable payment flows and protect the platform, all while delivering great experiences at scale. Here's what you'll do day‑to‑day: Design end‑to‑end product experiences across complex financial workflows as a hands‑on senior IC. Define and drive the long‑term UX vision for Payments + Risk, aligned with Gusto's strategy for money movement, trust, and risk. Lead design strategy within your focus area, partnering closely with Product, Engineering, and Risk to create alignment and clarity. Elevate the visual and interaction design quality of Payments + Risk experiences, ensuring clarity, polish, and usability. Explore and define new UX/UI patterns for sophisticated workflows-especially where no patterns currently exist. Evolve and maintain the design system, shaping scalable components and interaction models that support critical customer journeys. Influence product and technical roadmaps by advocating for customer needs, design quality, and long‑term system health. Collaborate with Research to uncover and interpret user insights that inform product direction and UX strategy. Mentor other designers through feedback, pairing, and shared problem‑solving, helping raise the overall craft bar. Contribute to Gusto's design leadership community, shaping standards, processes, and design excellence across the organization. Here's what we're looking for: 8-10+ years of product design experience, including time spent in complex, technical, or large‑scale product domains. A portfolio demonstrating extraordinary UX and visual design craft, with high‑quality, polished product work. Proven ability to lead design direction, drive alignment, and influence cross‑functional partners. Experience designing for deeply technical systems, financial workflows, or other complex problem spaces. Expertise in systems thinking, with the ability to translate complexity into clear, elegant, and scalable experiences. Experience contributing to or evolving a design system-components, patterns, interaction models, and visual standards. Ability to define net‑new patterns and interaction models in ambiguous or emerging product areas. Comfort operating in ambiguity while balancing long‑term vision with rapid iteration and execution. AI fluency-knowledge of tools and workflows that enhance exploration, prototyping, or operational efficiency. A deep affinity for Gusto's mission to empower small businesses through modern, credible financial tools. At Gusto, we strive to provide rewards that empower employees to achieve their financial and personal goals. We offer competitive compensation packages with a strong emphasis on equity‑based compensation (ownership in Gusto). To learn more about Gusto's compensation philosophy and benefits offerings please view our Total Rewards Approach page. Our cash compensation range for this role is $172,000/yr to $215,000/yr in Denver & most remote locations, and $202,000/yr to $253,000/yr in San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2‑3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale. Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas. When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non‑office days for hybrid employees. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto. Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you. #J-18808-Ljbffr