Deposit, Product Operations Partner

Core Responsibilities

• Lead end-to-end remediation efforts for deposit related issues, including identifying impacted populations, assessing scope, and ensuring timely resolution.
• Own execution of financial restitution, including validating calculations, reviewing methodologies, and confirming customers are made whole accurately.
• Analyze large datasets using Excel and internal systems to validate customer impacts and financial outcomes.
• Conduct sampling and detailed account level reviews to ensure accuracy of restitution populations.
• Investigate data anomalies and partner with data teams while maintaining ownership of final validation and sign off.
• Act as an embedded product risk partner to identify issues before they result in customer impact.
• Review product behavior and changes to ensure alignment with intended design and regulatory expectations.
• Proactively identify potential risks or “landmines” in product changes and operational processes.
• Engage in audit and regulatory activities, providing documentation, analysis, and support as needed.
• Support root cause analysis, issue resolution, and coordinated remediation efforts across teams.
• Support additional operational responsibilities including product rate changes, QA and QC reviews, and control validation.
• Flex across team priorities as restitution volumes change, contributing to broader product operations support.
• Help establish and improve governance, controls, and documentation to ensure consistent and auditable outcomes.
• Leverage remediation insights to identify systemic issues and recommend improvements.
• Strengthen processes to reduce recurrence of customer impacting events.
• Contribute to building a more proactive risk and control environment within product operations.

Success Profile

• Strong analytical skills with hands-on experience using Excel for data analysis, including formulas, data validation, and working with large datasets.
• A high attention to detail, with the ability to investigate complex issues and validate outcomes at a granular level.
• Knowledge of deposit products such as checking, savings, money market, and CDs, with the ability to understand how product features should function.
• A risk-oriented mindset, with the ability to identify potential issues before they impact customers.
• Strong communication skills to coordinate across multiple stakeholders and drive resolution.
• The ability to manage multiple priorities in a fast-paced, highly regulated environment.
• Comfort operating in a role that is execution-focused, detail-driven, and behind-the-scenes rather than customer-facing or feature delivery-oriented.

Role Context

This role sits within a Shared Services model supporting deposit products and is closely aligned to operational risk and control functions within the product organization. The work is often complex, fast-moving, and highly critical to ensuring fair customer outcomes and regulatory compliance. Candidates who will be successful in this role are motivated by solving complex problems, ensuring accuracy, and protecting the customer, rather than owning product roadmaps or launching new features.

Pay Transparency

The salary range for this position is from $130,000 to $150,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to, the budget, work location, relevant skills, and experience. We offer competitive pay, comprehensive medical, dental, and vision coverage, retirement benefits, maternity and paternity leave, flexible work arrangements, education reimbursement, wellness programs, and more. Citizens' paid time off policy exceeds the mandatory paid sick or paid time away policies of local and state jurisdictions in the United States. For an overview of our benefits, visit our Careers site - here. Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.