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Inhabit® · 7 hours ago

Product Owner, Payments

North Atlanta - Alpharetta, GA 30009

Full-time

Hybrid

Senior Level

5+ years exp

Inhabit operates a unique collective of tech-forward companies serving the residential and short-term rental industries. As the Product Owner, Payments, you'll be the ultimate technical authority leading the implementation and support of critical integrations with financial institution core systems.

CommercialProperty ManagementResidentialSaaS

Responsibilities

Lead the troubleshooting and resolution of complex integration issues involving APIs, XML, NACHA files, and data synchronization across disparate systems when standard approaches have failed

Serve as final escalation point for unresolved technical issues passed from Tier I and Tier II support, often under time-critical conditions with significant business impact

Design, implement, and configure robust integrations with financial institution core systems that handle millions of transactions monthly without error

Act as technical liaison for strategic financial institution partnerships, providing consultative expertise on API capabilities, integration architecture, and implementation approaches that maintain compliance while meeting business objectives

Provide white-glove onboarding support for new enterprise partners, ensuring seamless technical integration that establishes a foundation for long-term partnership success

Architect and manage secure peer-to-peer VPN tunnels and network routing rules that satisfy the stringent security requirements of financial institutions while enabling reliable connectivity

Oversee critical inbound and outbound SFTP-based file transfers that facilitate daily ACH processing and settlement functions

Lead cross-functional investigations to identify, troubleshoot, and resolve complex payment reconciliation discrepancies and data mismatches that could impact settlement accuracy

Collaborate with external payment processors including TSYS, Global Payments, and First Data to address integration challenges, settlement issues, and processing anomalies

Architect and implement client-specific fee structures in coordination with payment processor platforms, ensuring accurate revenue attribution and compliance with agreements

Maintain unwavering compliance with SOC 2, PCI-DSS, and NACHA standards for payment processing and data exchange, ensuring our platform exceeds industry security benchmarks

Serve as the primary technical relationship owner for our most strategic enterprise clients and partners, building trust through proactive communication and swift issue resolution

Leverage comprehensive knowledge of banking and credit union terminology, workflows, and procedures to translate between technical concepts and business impacts when communicating with stakeholders

Contribute strategic insights to product roadmap discussions based on client feedback and market trends, helping shape the future of LenderPay's integration capabilities

Configure and troubleshoot merchant account setups for specialized business types, with particular focus on optimizing fee structures for financial institutions (MCC 6012) and real estate management companies (MCC 6513)

Advise clients on card brand convenience fee compliance and regulations, ensuring their implementation strategies maintain adherence to Visa, Mastercard, American Express, and Discover network rules

Qualification

Financial services payment processingNACHA rulesPCI-DSS complianceAPI integrationsSaaS troubleshootingNetwork configurationsClient relationship managementAnalytical skillsCommunication skillsProblem-solving skills

Required

5+ years of experience in financial services payment processing, with demonstrated expertise in NACHA rules, SOC 2 requirements, PCI-DSS compliance, and related regulatory frameworks

Proven track record troubleshooting complex SaaS API and XML-based system integrations in high-volume, high-reliability environments where downtime is not an option

Extensive experience supporting enterprise clients through API onboarding, technical walkthroughs, and implementation processes that result in successful, long-term integrations

Advanced knowledge of secure network configurations, including VPN tunnel setup, network routing, and SFTP file transfer protocols specifically for financial data exchange

Exceptional account management and client relationship skills, with the ability to establish credibility with technical and business stakeholders at financial institutions

Comprehensive understanding of banking and credit union operations, terminology, and processes, including the nuances of accounts, loans, shares, and settlement procedures

Demonstrated success coordinating with external payment processors to diagnose and resolve complex integration challenges and fee structure implementations

Superior analytical and problem-solving capabilities with a methodical, detail-oriented approach to complex technical investigations

Excellent verbal and written communication skills, with the ability to translate technical concepts for diverse audiences and maintain composure in high-pressure situations

Advanced experience analyzing REST APIs, SAML integrations, and troubleshooting web service integrations in payment processing environments

Deep understanding of card interchange fee structures, particularly for specialized merchant categories such as financial institutions (MCC 6012) and real estate management companies (MCC 6513), with ability to optimize fee structures based on transaction types and volumes

Comprehensive knowledge of U.S. payment networks and funds flow mechanics, including settlement timing, availability schedules, and routing requirements across ACH, wire, RTP, and card networks

Experience with merchant processing configurations, including terminal setup, payment gateway integrations, tokenization services, and fraud prevention measures for specialized business types

Thorough knowledge of card brand (Visa, Mastercard, American Express, Discover) convenience fee rules, surcharge regulations, and compliance requirements, including jurisdictional variations and implementation guidelines for financial institutions

Extensive knowledge of ACH Rules, including Same Day ACH requirements, return code handling, exception processing, and the implementation of risk management frameworks for ACH origination and receipt

Bachelor's Degree or equivalent relevant experience