Job Title

About the Company Snaplii is one of Canadas fastest-growing fintech platforms, transforming how people pay, save, and earn rewards. With over $100M in annual transaction volume and 200,000+ users across North America, we deliver unmatched utility and loyalty through a single seamless app. Weve ranked as high as #5 on the Apple App Store during peak shopping seasons, and consistently remain in the Top 40, driven by a highly engaged, high-retention user base. Snaplii supports 500+ leading brands including Walmart, Amazon, and Esso, with a platform fully built and maintained in-houseengineered to scale and support a growing suite of financial products. About the Role We are looking for a Fintech Product Manager who truly understands how money is stored, moved, and spentand can translate that understanding into a compliant, scalable product system. In this role, you will own Snapliis next-generation wallet/balance products (Wallet 2.0) and core payments architecture across Canada and the United States. You will design the end-to-end user money flowfrom funding to spending to retentionwhile optimizing payment costs and enabling future cross-border and stablecoin payment capabilities. Responsibilities 1Wallet / Balance Product Design (Canada & US) End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints Reward/interest/earnings experience: calculation rules, display logic, user transparency Clear product boundaries under Canadian & US regulatory frameworks Role definitions across stakeholders: Snaplii vs custodian/trust/issuer/payment partners Designing money movement logic that increases retention, improves success rate, and supports future expansion 2Compliance-by-Design Product Development Partner closely with Legal, Compliance, and Banking/Custody providers to translate regulatory requirements into executable product logic, including: KYC/KYB and identity requirements Funds segregation / safeguarding principles Account type / balance restrictions and transaction limitations Monitoring, exceptions, and user-facing constraints designed for compliance-first scale 3North America Payments Architecture Build deep product-level understanding and participate in designing these payment rails and their user-facing integration: Pay-by-Bank / A2A / Real-time payments Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback, liability shift, MCC, authorization behavior, and settlement constraints 4Payment Cost Optimization & Unit Economics Work with Risk and Finance to optimize payment cost structure and protect margins: Improve blended payment costs and steer users toward lower-cost payment paths Reduce chargeback exposure through risk-aware product design Design incentives and UX mechanisms that balance conversion, cost, and experience Build frameworks and decision models to align product growth with sustainable unit economics 5(Bonus) Cross-border & Future Payments Enablement Support Snapliis longer-term strategy around cross-border and stablecoin-powered payments: Understand how USDC/USDT can enable real-world consumer spending in North America Explore Snapliis potential role as the last-mile consumer spending layer You dont need to be a crypto trader. But we do expect a practical understanding of where stablecoins create real value in payment flows. Qualifications 5+ years of experience in fintech product, payments, or wallet/stored value products Hands-on experience building or operating wallet/payment products in Canada and/or the US Deep understanding of at least 2 of the following domains: Wallet / stored value / balance products Bank-to-bank payments (A2A, RTP, EFT, ACH) Card payment networks (Visa/Mastercard) including disputes, risk, chargebacks Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs Ability to simplify complex financial/regulatory requirements into clear product specs and scalable systems Required Skills Experience partnering with custodian banks, trust accounts, issuers, PSPs Familiarity with MSB / PSP registration-related product design Proven track record launching compliant wallet/balance products from pilot to scale Practical understanding of cross-border payments / stablecoin rails / PayFi Experience building products 01 or scaling from compliance-constrained MVP to mass adoption