AVP, Product I, BIN Sponsorship

Description

Who We Are

At Cross River, we're building the financial infrastructure that powers global innovation. With our cutting-edge suite of embedded payments, cards, and lending solutions, we enable millions of businesses and consumers to transact seamlessly and securely.

With 900+ employees worldwide and an R&D center of over 160 employees in Jerusalem - we’re reshaping how financial technology is developed and delivered.

THE ROLE

We're seeking a dynamic Senior Product Manager, Cards BIN Sponsorship to lead the development and growth of Cross River's BIN Sponsorship initiatives within the Cards product team, working with Fintech, processors and card networks.

You will be the connective tissue between Cross River's compliance and oversight obligations and the external ecosystem of card networks, third-party processors, and program managers. You will collaborate closely with our data engineers to ensure we have the right data pipelines and reporting in place for compliance oversight; and partner with internal teams such as Risk, Compliance, Treasury, and Operations to maintain our position as a top BIN sponsor bank.

You understand the "what" and "why" of the card lifecycle deeply enough to ensure Cross River's oversight and data requirements are met, and you can translate between technical details and strategic conversations with fintech executives and card network representatives.

Who You Are

• A strong executor who takes ownership and moves fast
• Collaborative and thoughtful, with excellent communication and judgment
• Client-obsessed - always thinking from the user’s perspective
• Comfortable with ambiguity and energized by solving complex challenges
• Driven to raise the bar and help others do the same
  
  

• Define and execute the product strategy and roadmap for Cross River's Cards BIN Sponsorship program, ensuring alignment with business, partner, and network priorities.
• Own the data integration and standardization requirements for BIN sponsorship programs: work with data engineers and third-party processors to ensure Cross River receives timely and accurate data necessary for compliance oversight, reconciliation, and monitoring.
• Serve as the internal subject matter expert on card products, BIN registration and management, and network mandate changes as they apply to partner-managed programs.
• Continuously improve our oversight framework for BIN-sponsored programs, including partner onboarding criteria, monitoring requirements, and reporting in partnership with Risk, Compliance, and Operations.
• Partner with Risk and Compliance to ensure all BIN-sponsored programs adhere to applicable regulatory requirements and card network operating rules. Drive product-level improvements that strengthen Cross River's compliance and oversight framework.
• Coordinate with the Card Payments and Processing product leads to ensure BIN sponsorship components are properly represented in programs that also have on-platform elements, maintaining clear ownership boundaries and avoiding duplication of effort.
  
  

• Available working some US hours
• Proficient in Hebrew and English both written and verbal, sufficient for achieving consensus and success in a remote and largely asynchronous work environment - Must
• 5+ years of Product Management, or Product Ownership experience in card issuing, acquiring, or payments; experience with BIN sponsorship, sponsor banking, or card network programs strongly preferred
• Deep understanding of card network franchise rules, BIN management, and the operational lifecycle of BIN-sponsored programs from a sponsor bank or network perspective
• Experience working with third-party card processors, program managers, or fintech, understanding how data flows between parties
• Strong data and analytics orientation: experience defining data requirements and using reporting to drive compliance oversight and product decisions
• Proven ability to collaborate across card network representatives, processors, program managers, and internal teams such as operations, compliance, risk, and treasury
• Familiarity with card network mandates, rule changes, and the process of operationalizing new requirements across a portfolio of BIN-sponsored programs
• Excellent communication skills, with the ability to translate technical concepts for non-technical stakeholders, shift between strategic and technical discussions
  
  

• Experience designing partner reporting for BIN-sponsored card programs, including transaction, dispute, settlement, and compliance monitoring dashboards
• Knowledge of acquiring constructs (PayFac, ISO, ISV, Marketplace) and how they interact with a sponsor bank's BIN and settlement infrastructure
• Familiarity with card program compliance and regulatory requirements, including network operating rules, PCI DSS, Reg E/Reg Z, BSA/AML, and chargeback handling standards
• Experience at a sponsor bank, card network, issuer processor, or payments infrastructure company
• Passion for building card infrastructure that supports fintech growth, merchant acceptance, and inclusive access to payments
  
  

• Flexible hybrid model: 3 days a week in the office – A must
• ₪1,000 net monthly wellness benefit – from therapy to Pilates to your kid’s art class
• Full Keren Hishtalmut, private health & dental insurance
• Donation matching, volunteering days, team outings, and mentorship programs
• A mission-driven culture that values ownership, trust, and meaningful impact