Role Mission

We are looking for a Financial Product Manager who truly understands how money is stored, moved, and spent—and can translate that understanding into a compliant, scalable product system.

In this role, you will own Snaplii’s 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 flow—from funding to spending to retention—while optimizing payment costs and enabling future cross-border and stablecoin payment capabilities.

What You’ll Own (Key Responsibilities)

1) Wallet / Balance Product Design (Canada & US)

You will lead the product design and execution of Snaplii’s wallet-like balance product (similar to a high-yield wallet / stored value account), including:

- End-to-end user flows: top-up, spend, hold, transfer, withdrawal constraints

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Reward/interest/earnings experience: calculation rules, display logic, user transparency

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Clear product boundaries under Canadian & US regulatory frameworks

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Role definitions across stakeholders: Snaplii vs custodian/trust/issuer/payment partners

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Designing money movement logic that increases retention, improves success rate, and supports future expansion

2) Compliance-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

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Funds segregation / safeguarding principles

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Account type / balance restrictions and transaction limitations

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Monitoring, exceptions, and user-facing constraints designed for compliance-first scale

3) North 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

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Card payments (Visa / Mastercard) including concepts such as 3DS, dispute & chargeback,



liability shift, MCC, authorization behavior, and settlement constraints

4) Payment 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

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Reduce chargeback exposure through risk-aware product design

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Design incentives and UX mechanisms that balance conversion, cost, and experience

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Build frameworks and decision models to align product growth with sustainable unit economics

5) (Bonus) Cross-border & Future Payments Enablement

Support Snaplii’s longer-term strategy around cross-border and stablecoin-powered payments:

- Understand how USDC/USDT can enable real-world consumer spending in North America

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Explore Snaplii’s potential role as the “last-mile consumer spending layer”

You don’t need to be a crypto trader.
But we do expect a practical understanding of where stablecoins create real value in payment flows.

What We’re Looking For

Must-Have

- 5+ years of experience in fintech product, payments, or wallet/stored value products

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Hands-on experience building or operating wallet/payment products in Canada and/or the US

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Deep understanding of at least 2 of the following domains:

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Wallet / stored value / balance products

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Bank-to-bank payments (A2A, RTP, EFT, ACH)

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Card payment networks (Visa/Mastercard) including disputes, risk, chargebacks

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Strong capability to work with and influence cross-functional partners: Legal, Compliance, Banking/Custody, PSPs

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Ability to simplify complex financial/regulatory requirements into transparent product specs and scalable systems

Nice-to-Have

- Experience partnering with custodian banks, trust accounts, issuers, PSPs

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Familiarity with MSB / PSP registration-related product design

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Proven track record launching compliant wallet/balance products from pilot to scale

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Practical understanding of cross-border payments / stablecoin rails / PayFi

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Experience building products 0 1 or scaling from compliance-constrained MVP to mass adoption

Compensation

- Base salary: up to $180K

- Performance bonus: 20–25% of base

- Equity: $50K/year in RSUs or options

Base location:

- San jose us (remote)

Travel: Monthly travel to Toronto during the first three months.

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About Snaplii

Snaplii is one of Canada’s 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.

We’ve 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-house—engineered to scale and support a growing suite of financial products.

Why Join Us

- High-Growth Environment – Be part of a fintech reshaping everyday spending in North America.

- Impactful Work – Your strategies directly drive acquisition and growth.

- Collaborative Team – Work with a founding team with 10+ years in payments and fintech.

- Career Growth – Take ownership, lead initiatives, and grow alongside Snaplii.

Global Vision – Help build the next-generation digital wallet with global reach.

📌 Financial Product Manager (Wallet & Payments) (Canada)
🏢 Snaplii
📍 Canada