Transaction Banking, Channels Product Manager, Associate

Transaction Banking

Our mission is simple: provide a global transaction banking platform that is nimble, secure, and easy for clients use.

We have delivered a modern, digital-first transaction banking platform to serve GS’ varied client base. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up designed to solve some of the most complex operational needs in the industry. We aim to help our clients achieve Working Capital efficiency gains by optimizing their short term liquidity needs and simplifying their Cash Management operations.

We do so by delivering a best-in-class digital solution that helps clients manage their liquidity movements, foreign exchange and payments enabling international treasury operations and commerce.

We’re a team of diverse Treasury and Payments specialists helping our clients solution and build for the future.

Role Summary

We're a team of diverse Treasury and Payments specialists helping our clients solution and build for the future. The Programmatic Channels team owns the "pipes" that move corporate payment instructions and data between our clients and our bank — including Corporate APIs, Open Banking APIs, SFTP and FileAct file transmission, SWIFT Fin and FinPlus messaging rails, and the canonical formats that convert diverse corporate customer inputs into standard, machine-readable payment files.

As an Associate Product Manager, you'll support the execution of our programmatic channels roadmap, working closely with engineers, implementation specialists, and treasury professionals to make sure client payment submissions are processed accurately, efficiently, and at scale though any of the channels. This is a hands-on role for someone who is energized by data, detail, and the operational backbone of corporate payments — and who wants to build a foundation in product management.

Responsibilities

• Support the day-to-day execution of the API and file-based channels roadmap
• Assist in the canonical conversion of varied client payment formats into our standardized internal payment formats, working with engineering to troubleshoot mapping and transformation logic.
• Analyze payment transmission and processing data to identify failure patterns, formatting errors, latency issues, and opportunities for automation or client education.
• Partner with customers, implementation and servicing teams on new feature requests and drive its delivery.
• Maintain and improve internal documentation, runbooks, and format guides used by engineering, implementation, and client-facing teams.
• Track and report on key operational metrics and help translate findings into prioritized backlog items.
• Participate in user acceptance testing (UAT) for new payment formats, connectivity types, and channel enhancements.
• Contribute to a culture of continuous improvement by flagging recurring pain points and proposing incremental fixes to formats, validation rules, or processes.

Qualifications

• 3+ years of experience in product management, business analysis, operations, or a related role — ideally within payments, banking, or financial services.
• Experience in API design and developer experience (DX) — including RESTful API product management, developer portals, and API-first product strategy
• Background in electronic payments — including ACH, wires, SWIFT, real-time payments (RTP, FedNow, SEPA Instant), and cross-border payment flows
• Familiarity with file transfer protocols and standards (SFTP, FileAct) and/or payment messaging standards (SWIFT MT, ISO 20022) is strongly preferred.
• Strong analytical skills, including comfort working with large datasets (Excel, SQL, or similar tools) to identify trends and root causes.
• Excellent written and verbal communication skills, with the ability to translate technical file specifications into clear documentation for both technical and non-technical audiences.
• A detail-oriented, organized approach to managing feature delivery cycle: from initial client request to engineering requirements, testing to go-live.
• Exceptional communication and stakeholder management skills, with the ability to influence at the executive level

You may be a good fit for this role if you are enthusiastic and curious about:

• The business, technical, and/or operational aspects of payments and banking
• Electronic payments, real time payments, card networks, stablecoin payments, and emerging payment schemes
• The design of APIs and have pride in best-in-class developer experience (DX) — including intuitive documentation, sandbox environments, and seamless onboarding for corporate clients and fintech partners
• Corporate treasury, cash management, and the inner workings of large corporates and financial institutions
• User experience (UX) design principles across all payment channel touchpoints, partnering with design teams to deliver interfaces and workflows that are elegant, intuitive, and client-centric
• Drive the integration and strategic application of Generative AI capabilities within payment channels — including intelligent payment routing, anomaly detection, client-facing assistants, and workflow automation
• Stay current on industry trends including ISO 20022 migration, real-time payments, open banking/APIs, card scheme innovations, and network-level VAS (e.g., SWIFT gpi, request-to-pay schemes)
• Ensuring all payment channel products comply with relevant regulatory requirements (e.g., AML/KYC, data privacy such as GDPR/CCPA, PSD2 where applicable)

About Goldman Sachs

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers .

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://

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Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.