Senior Digital Payment Product Owner

About the job

Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship.

The Senior Digital Payments Product Owner is self-motivated, imaginative, and energetic about building highly competitive non-card payment products. They serve as the product owner for Digital Payments related systems and payment types. They will act as a Digital Payments subject matter expert on digital payment rails and the associated regulatory and network rules. Serve as a senior internal consultant and advisor to executives regarding the execution of the overall payments and payments systems, including the payment platform strategy roadmap designed to modernize and streamline payments processes. They will partner closely with Digital Payments operational units, business project managers and other members of Digital Payments, the SMD system support teams, ETS support teams, and Digital Channels while also partnering with other stakeholder business units to ensure what is delivered fulfills operational needs, strategic needs and drives a superior member experience.

Responsibilities

• Collaborate with a cross-functional team to launch product vision and strategy
• Streamline the execution of program priorities while maintaining the conceptual and technical integrity of the features or components for the team
• Oversee and manage the associated payments platforms, serving as the subject matter expert and business unit point of contact for Digital Payments Leadership
• Translate program vision into incremental delivery
• Develop and maintain horizontal partnerships across the organization to drive the evolution of Digital Payments platforms; advocating for and prioritizing future functionality to ensure internal and member pain points are addressed in conjunction with development of new payment technology
• Maintain an understanding and advanced knowledge of the functions, processes, and systems of other cognizant business units
• Serve as subject matter expert regarding product functions and how they relate to other products and services
• Serve as subject matter expert on Regulatory and network requirements for related digital payment systems
• Partner with technology teams to build and maintain product backlog, refine users stories and ensure prioritization and execution aligns with organizational objectives
• Partner with business analysts to integrate usability studies, user research, and market analysis to into product requirements
• Analyze product usage and other empirical data and how that relates to key member needs to determine changes in product prioritization
• Regularly analyze true needs for product features and constantly push for clear understanding of value
• Proactively work with product team to formulate creative ideas or solutions for potential issues
• Partner with department executives, leadership and other key personnel to develop the long-term strategic direction and technology roadmap
• Guide and analyze benchmarking, trend analysis and other input to drive continuous improvement and elevate service performance
• Bring external perspective and ideas from relevant sources, stay current with technology as well as, government/policy impacts and industry best practices
• Determine when added product value should be pushed to members/employees
• Deliver compelling and effective communications/presentations to executive management
• Perform other related duties as required

Qualifications

• Bachelor's Degree in Finance, Information Technology, Strategy or the or the equivalent combination of education, training or experience
• Extensive experience leading, shaping and developing innovative solutions while managing business risks
• Advanced analytical and conceptual skills to create original concepts/theories for various projects
• Ability to exercise initiative, produce desired results and achieve objectives
• Ability to learn different collaboration or product management tools quickly
• Ability to multi-task and prioritize with minimal direction and assertiveness to change team processes quickly
• Ability to productively communicate to stakeholders, team members, and leaders
• Working knowledge of enterprise-wide business systems applications such as FIS applications (e.g., IMPACS, ST, RM), relational databases, and Microsoft Office Applications
• Extensive experience in developing business or technology strategy
• Advanced knowledge of project/program management processes and methodologies
• Ability to comprehend, analyze, interpret, communicate and apply government and financial industry regulations, related principles and practices and company instructions, procedures and policies
• Previous project leadership and execution, including initiatives with technology, processes, cross-functional teams and external partner team members
• Advanced skill influencing and guiding strategic thinking
• Advanced skill delivering effective presentations to groups of various sizes
• Effective skill building effective relationships through rapport, trust, diplomacy and tact
• Strong verbal, written and interpersonal communication skills
• Strong problem solving and negotiation skills

Desired Qualifications

• Experience implementing digital payments platforms
• Working knowledge of Navy Federal, NCUA, NACHA and Reg E policies, instructions, and regulations
• Experience in one or more Savings & Membership functional areas and understanding of related Savings & Membership laws and regulations
• Advanced knowledge of credit union operations/processes and procedures
• Appropriate industry certification, such as AAP, for associated digital payment types
• Master's Degree in Finance, Information Technology, Strategy or the or the equivalent combination of education, training or experience

Additional Information

Hours:

• Monday - Friday, 8:00AM - 4:30PM

Location:

• 820 Follin Lane, Vienna, VA 22180

• 5510 Heritage Oaks Drive, Pensacola, FL 32526

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.

Our approach to careers is simple yet powerful: Make our mission your passion.

• FORTUNE* *100 Best Companies to Work For® 2025

• Yello and WayUp Top 100 Internship Programs

• Computerworld® Best Places to Work in IT

• Newsweek Most Loved Workplaces

• 2025 PEOPLE® Companies That Care

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• Best Companies for Latinos to Work for 2025

• Forbes® 2025 America’s Best Large Employers

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• Forbes® 2025 America's Best Employers for Tech Workers

• 2025 RippleMatch Campus Forward Award Winner for Overall Excellence

• Military.com Top Military Spouse Employers 2025

• 2025 Handshake Early Talent Award

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Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medicalaccommodations@navyfederal.org or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.

Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Additional Information

• Job Identification: 32889
• Job Category: Funds Services
• Posting Date: 2026-10-20
• Apply Before: 2026-10-30
• Job Schedule: Full time
• Locations: 5510 Heritage Oaks Dr, Pensacola, FL, 32526, US
• Targeted Salary Range: $129,500 - $189,400 annually