Alpaca is a US-headquartered self-clearing broker-dealer and brokerage infrastructure for stocks, ETFs, options, crypto, fixed income, 24/5 trading, and more. Amongst our subsidiaries, Alpaca is a licensed financial services company, serving hundreds of financial institutions across 40 countries with our institutional-grade APIs. This includes broker-dealers, investment advisors, wealth managers, hedge funds, and crypto exchanges, totalling over 9 million brokerage accounts.
Our general team is a diverse group of experienced engineers, traders, and brokerage professionals who are working to achieve our mission of
opening financial services to everyone on the planet
. Alpaca is proudly backed by top-tier global investors, including Portage Ventures, Spark Capital, Tribe Capital, Social Leverage, Horizons Ventures, Unbound, SBI Group, Derayah Financial, Elefund, and Y Combinator.
We're seeking a Lead Product Manager, Money Movement & Settlements to own Alpaca's money-movement and settlements product area end-to-end - JIT funding, instant funding, post-trade settlement, prefunding, US and non-US funding rails, and the ancillary products that sit alongside (HY Cash, FPSL). This is a senior product role focused on area ownership and execution, not people management - you'll own the area roadmap and personally ship across multiple lanes in parallel, partnering with the other PMs in the area to raise the standard of work shipped across the swimlane.
You'll unify what is today a set of important but fragmented initiatives - so partners get reliable, predictable money movement, settlement that scales, and clear documentation - while we expand globally across multiple licensed entities and regional payment rails. You're expected to provide early signal on changing global payments frameworks rather than react after rules formalize.




Own the product vision, roadmap, and success metrics for the entire money-movement and settlements area - settlements (JIT, instant funding, post-trade, prefunding), funding rails (US and non-US ACH, wires, RTP, FedNow, regional rails), and ancillary products (HY Cash, FPSL).
Rationalize how we expose money-movement and settlement APIs and internal systems - including where a single settlement surface must flex for different partner operating models, geographies, and funding flows.
Drive build-vs-buy, partner-vs-direct, and onshore-vs-offshore tradeoffs across the area; Partner deeply with engineering, broker-dealer operations, treasury, compliance, legal, partnerships, success, and sales to prioritize initiatives that balance regulatory risk, operational load, revenue impact, and time-to-market.
Shape pricing and packaging inputs where money-movement and settlement products imply different operational handling - working with commercial and treasury stakeholders so what we sell matches what we can deliver and support at scale.
Support global expansion of money-movement capabilities as Alpaca grows its regional broker-dealer footprint - including regional payment rails, FX corridors, and jurisdiction-specific rules (US / non-US).
Raise the standard of work shipped across the money-movement and settlements area - mentor peer PMs, set quality bar, unblock adjacent teams.




10+ years of experience in Product Management, Engineering, Consulting, or starting a startup, with senior IC ownership in regulated payments, settlement, treasury, or brokerage clearing infrastructure.
Demonstrated end-to-end ownership of money-movement or settlement surfaces at production scale - at least two of: ACH / wire / RTP / FedNow rails, post-trade settlement, JIT or instant funding, prefunding, FX corridors, or broker-dealer clearing flows.
Proven ability to operate as a senior product owner who raises the standard around them - mentors peers, sets quality bar, represents the area in cross-functional and leadership forums without holding a manager title.
ability to run partner-facing conversations, regulator-adjacent forums, and internal leadership updates.
Experience analyzing data using SQL and a relevant BI tool.
Bachelor's degree in computer science, engineering, finance, or equivalent.
ACH return code handling, settlement reconciliation, exception queues), not just the policy and framework layer.
The senior posture to take over an in-flight money-movement and settlements roadmap from day one, without a six-month ramp.
Familiarity with global payment rails outside the US - SEPA, FPS, regional ACH equivalents, or stablecoin-rail funding.
Experience unifying fragmented money-movement or settlement stacks behind consistent APIs and data models.
Background in broker-dealer treasury or clearing operations (reconciliation, exception handling, regulatory reporting) and automation opportunities.
AI-native PM workflow - recurring use of tools like Cursor, Claude, ChatGPT, NotebookLM, or custom agents in PRD drafting, customer-call synthesis, data exploration, and prototyping.
New Hire Home-Office Setup: One-time USD $500

📌 Product Owner Team Lead (Málaga)
🏢 Alpaca
📍 Málaga