Transaction Banking Overview

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

We have delivered a modern, digital-first transaction banking platform to serve Goldman Sachs' 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. The Head of Payment Channels will lead the strategic vision and execution of our payment channel capabilities, ensuring that technology serves as a powerful enabler of exceptional client outcomes and sustainable business growth.

Responsibilities

The Head of Payment Channels will provide strategic leadership for the team responsible for the design, development, and execution of a comprehensive technical product roadmap. This individual will oversee client-facing programmatic payment interfaces, including APIs, ISO messaging standards, and Swift protocols. The successful candidate will demonstrate an ability to navigate complex technical environments and build strong partnerships with both engineering teams and corporate treasury professionals.

Strategic Impact and Commercial Execution Beyond technical delivery, the Head of Payment Channels is expected to drive measurable commercial outcomes. This involves architecting bespoke client solutions and maintaining a rigorous focus on market differentiation to ensure our services remain best-in-class. This leader will collaborate extensively across the TxB organization—partnering with Sales, Engineering, Risk, Design, and Servicing—to deliver a seamless, high-performance payments experience for our global client base.

This role will also need to manage Product Strategy:

Own the end-to-end product vision and roadmap for Payment Channels, encompassing API-based payment rails, card solutions, real-time payments (RTP), and digital channel experiences; Performance Management:

Define, analyze, and optimize product performance through key performance indicators (KPIs), market trend analysis, revenue impact assessments, and client feedback loops; Stakeholder Alignment:

Synthesize complex technical processes into clear, compelling strategic narratives to secure stakeholder buy-in and drive firm-wide initiatives: Sales Enablement:

Act as a strategic partner to the Sales organization by identifying client needs, providing expert solution recommendations, defining pricing strategies, and leading high-impact product demonstrations.

Qualifications

• Minimum 8–10 years of experience in Payments Product Management, with demonstrated leadership experience across payment channels
• 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, Fed Now, SEPA Instant), and cross-border payment flows
• Demonstrated ability to apply or oversee Generative AI solutions within a financial services or payments context
• Proven ability to balance technology innovation with commercial outcomes — understanding that great technology must ultimately serve client needs and drive business results
• 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)
• Ensure 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

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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