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:// www.goldmansachs.com/careers/footer/disability-statement.html
• [http://www.goldmansachs.com/careers/footer/disability-statement.html]

© The Goldman Sachs Group, Inc., 2026. All rights reserved.

• 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.