What is Cobre and what do we do

Cobre is Latin America’s leading instant b2b payments platform. We solve the region’s most complex money movement challenges by building advanced financial infrastructure that enables companies to move money faster, safer, and more efficiently.

We enable instant business payments—local or international, direct or via API—all from a single platform.

Built for fintechs, PSPs, banks, and finance teams that demand speed, control, and efficiency. From real-time payments to automated treasury, we turn complex financial processes into simple experiences.

Cobre is the first platform in Colombia to enable companies to pay both banked and unbanked beneficiaries within the same payment cycle and through a single interface.

We are building the enterprise payments infrastructure of Latin America!

What we are looking for:

As a CBMM Payments Operations Specialist, you are the operational engine behind Cobre's cross-border payment flows that run outside automated rails. You'll own the end-to-end execution of manual payment corridors—from onboarding beneficiary counterparties to confirming settlement—acting as the critical link between our clients and our banking and liquidity partners across non-standard corridors like China, Hong Kong, and Europe.

This is a client-facing, execution-heavy role where attention to detail, communication speed, and a high degree of ownership are non-negotiable. You will represent Cobre's reliability in every payment you process.

What would you be doing:

Counterparty & Beneficiary Management

• Create and maintain counterparties for payment destinations where automated rails are not yet available, including corridors to China, Hong Kong, and Europe
• Proactively liaise with clients to collect all required beneficiary information: account numbers, SWIFT/IBAN details, bank addresses, intermediary bank data, and any corridor-specific fields
• Validate completeness and accuracy of counterparty data before submission to banking partners
• Maintain organized, up-to-date records of all counterparties and their associated documentation
• Flag missing or inconsistent information early to avoid payment delays

FX Quoting & Client Communication

• Provide real-time FX quotes to clients via WhatsApp, Slack, or email for flows that operate outside Cobre's automated pricing engine
• Coordinate with the CBMM desk to obtain competitive rates and communicate them to clients within agreed response-time standards
• Confirm client acceptance of quotes and ensure proper documentation of agreed terms before executing
• Manage client expectations around execution timelines, settlement windows, and cut-off times for each corridor

Payment Execution via Partner Portals

• Execute approved cross-border payments by logging into partner banking portals on behalf of clients
• Review all payment instructions carefully before submission: amounts, currencies, beneficiary details, value dates, and payment references
• Ensure every payment is processed within the client's required window and in accordance with Cobre's operational controls
• Maintain a clear log of all payments initiated, including timestamps, portal references, and confirmation numbers

Payment Monitoring & RFI Management

• Actively monitor the status of in-flight payments by coordinating with partner banks' and providers' customer service teams
• Respond promptly to Requests for Information (RFIs) from correspondent or beneficiary banks, gathering required documentation from clients and submitting within deadlines
• Escalate stuck or delayed payments proactively and track resolution end-to-end
• Keep clients informed of payment status in real time, ensuring no client is left waiting for an update

Proof of Payment & Documentation

• Obtain official proof of payment (SWIFT confirmations, payment receipts, bank acknowledgments) for every executed transaction
• Deliver proof of payment to clients promptly upon settlement
• Maintain organized records of all payment confirmations aligned with Cobre's reconciliation and audit requirements

What do you need:

Required Experience

• 2–4 years of experience in cross-border payments operations, trade finance, international treasury operations, or correspondent banking
• Hands-on experience executing wire transfers through banking or PSP portals 
• Familiarity with SWIFT messaging, IBAN/CLABE structures, and international payment formatting requirements
• Experience dealing with RFIs and correspondent bank inquiries on cross-border transactions
• Exposure to payment corridors in Asia (China/HK) or Europe is a strong plus
• Understanding of AML/KYC requirements as they apply to beneficiary creation and payment processing

Operational & Communication Skills

• Exceptional attention to detail — you catch a wrong digit in an account number before it costs a client a failed payment
• Fast, clear written communicator in both English and Spanish; comfortable managing client conversations on WhatsApp or Slack with professionalism
• Strong organizational skills — you manage multiple open payments simultaneously without losing track of status on any of them
• Calm under pressure: you execute carefully when markets are moving and clients are waiting
• Proactive by default — you follow up on pending items without being asked

What is Cobre and what do we do

Cobre is Latin America’s leading instant b2b payments platform. We solve the region’s most complex money movement challenges by building advanced financial infrastructure that enables companies to move money faster, safer, and more efficiently.

We enable instant business payments—local or international, direct or via API—all from a single platform.

Built for fintechs, PSPs, banks, and finance teams that demand speed, control, and efficiency. From real-time payments to automated treasury, we turn complex financial processes into simple experiences.

Cobre is the first platform in Colombia to enable companies to pay both banked and unbanked beneficiaries within the same payment cycle and through a single interface.

We are building the enterprise payments infrastructure of Latin America!

What we are looking for:

We are looking for a VP of Product – Payouts to lead the strategy, development, and execution of Cobre’s payouts products. This role combines strong product leadership with deep technical and operational understanding of payments, working closely with customers, internal teams, and external providers to deliver reliable, scalable, and customer-centric solutions.

You will own the payouts product end-to-end, from vision and roadmap to execution and performance, ensuring alignment between business needs, technical feasibility, and operational excellence.

What would you be doing:

• Own the product vision, strategy, and roadmap for Cobre’s payouts products.
• Lead the design and development of payout solutions, working closely with Engineering, Operations, Risk, and Compliance teams.
• Act as the bridge between technical and operational teams, ensuring products are scalable, secure, and efficient.
• Work closely with customers to deeply understand their payout needs, pain points, and workflows, translating insights into product improvements.
• Manage relationships with payment providers, banks, and external partners, collaborating on integrations, performance, and product evolution.
• Define and monitor product KPIs (reliability, speed, cost, adoption, customer satisfaction).
• Ensure compliance with local regulations and operational requirements in markets such as Colombia and Mexico.
• Drive continuous improvement of payout processes, APIs, and user experiences.
• Mentor and guide product managers and cross-functional stakeholders as the product organization grows.

What do you need:

• 8+ years of experience in Product Management, preferably in fintech, payments, or financial infrastructure.
• Strong knowledge of payouts, payments, or money movement systems (e.g., bank transfers, SPEI, ACH, APIs, reconciliation, settlement).
• Proven experience working with technical teams and understanding system architecture, APIs, and integrations.
• Solid operational mindset, with experience designing or running payment operations at scale.
• Experience working directly with customers and external providers (banks, PSPs, payment networks).
• Strong analytical and problem-solving skills, with the ability to make data-driven decisions.
• Excellent communication skills in English; Spanish is a strong plus.
• Ability to work autonomously in a fast-paced, high-growth environment.

Nice to Have

• Experience in Latin American fintech, especially in Colombia and/or Mexico.
• Background in engineering, operations, or technical roles prior to product management.
• Experience building B2B financial products or platforms.