Product Manager - Money Movement

About the Role

The Product Manager, Digital Money Movement is responsible for defining, delivering, and continuously improving the digital money movement experiences that enable customers to move funds quickly, securely, and confidently across Valley’s digital channels. This role owns the performance and roadmap for money movement capabilities including mobile deposit, bill pay, transfers (internal and external), Zelle®, and other consumer and business payments.

Reporting to the Director, Digital Banking, this role serves as a peer to other Digital Product Managers across Banking, Servicing, and Onboarding, with accountability for outcomes across consumer, small business, and wealth digital customers. The Product Manager ensures money movement services are intuitive, reliable, scalable, and fully integrated across channels—supporting both day-to-day usage and broader relationship engagement.

A core mandate of this role is delivering a consistent and trusted money movement experience across segments, while balancing growth, adoption, operational efficiency, fraud mitigation, and regulatory requirements. This leader partners closely with Technology, Risk, Fraud, Operations, Treasury, Small Business, Wealth, and Customer Support teams to co-own execution and results. Success is measured by adoption and usage of money movement services, transaction success rates, reduced exceptions and fraud losses, improved customer satisfaction, and reliable performance at scale.

Responsibilities

• Define and own the digital money movement strategy and roadmap across consumer, small business, and wealth segments.
• Translate enterprise and digital banking strategy into prioritized initiatives that drive increased usage, reliability, and customer trust in money movement services.
• Establish clear OKRs and KPIs for money movement capabilities, including adoption, transaction success rates, availability, exception rates, fraud loss metrics, and customer satisfaction.
• Ensure consistency of feature sets, policies, and experiences across channels while allowing for segment-specific needs where appropriate.
• Maintain strong awareness of competitive offerings, fintech innovations, and network capabilities (e.g., Zelle®, RTP) to inform roadmap decisions.
• Serve as primary Product Owner for digital money movement services, owning prioritization, requirements, and business outcomes.
• Partner closely with Technology to co-own delivery execution, platform decisions, and architectural approaches to ensure resiliency, scalability, and performance.
• Drive integration across mobile and online banking, payments platforms, core systems, fraud tools, and entitlements frameworks.
• Collaborate with third-party vendors and network partners to align roadmaps, manage dependencies, and ensure service-level performance.
• Ensure solutions meet risk, fraud, regulatory, and security requirements while minimizing customer friction.
• Build strong working relationships with Retail Banking, Small Business Banking, Wealth, Treasury, Fraud, Risk, Operations, and Customer Service leaders.
• Act as a central point of coordination for money movement initiatives that span multiple lines of business or digital experiences.
• Partner with Marketing and Channel teams to support feature launches, adoption campaigns, and customer education.
• Present roadmap updates, performance results, and strategic recommendations to senior leadership.
• Champion the customer experience while balancing operational and risk considerations.
• Define and monitor performance metrics tied to money movement outcomes, including transaction volumes, success and failure rates, exception handling, fraud impacts, and customer feedback.
• Use data analysis, customer insights, and experimentation to continuously improve reliability, speed, and usability.
• Identify root causes of friction, failures, or escalations and drive prioritization of fixes.
• Partner with analytics teams to build dashboards and reporting that provide transparency into service health and business impact.
• Own product strategy and roadmap, aligning initiatives to business goals, customer needs, and performance insights.
• Manage end-to-end digital experiences, identifying and prioritizing improvements that enhance usability, conversion, engagement, and efficiency.
• Define and track key performance metrics (e.g., adoption, conversion, activation, engagement, satisfaction) and use data to inform decisions.
• Leverage data and AI-driven insights to identify opportunities for personalization, automation, and improved customer outcomes.
• Translate business needs into product requirements, including user stories, acceptance criteria, and backlog prioritization.
• Partner with technology and design teams to deliver high-quality, scalable solutions in an agile environment.
• Drive ongoing optimization, including experimentation (A/B testing), iterative improvements, and continuous learning.
• Collaborate across stakeholders to ensure alignment with business, regulatory, risk, and operational requirements.
• Act as the voice of the customer, ensuring solutions are intuitive, integrated, and aligned to customer expectations.
• Evaluate emerging technologies, including AI and automation capabilities, to enhance product functionality and operational efficiency.
• Monitor product performance post-launch, identifying issues, risks, and opportunities to improve outcomes.

Requirements

• High School or GED and a minimum of 5 years in product management, product development or product ownership.
• Demonstrated experience managing end-to-end product lifecycle.

Preferred Qualifications

• Business degree in Business, Design, Technology, or related field.
• Background in service design, journey mapping, or design systems.
• Familiarity with AI-enabled products and responsible AI design principles.
• Experience working across digital and assisted channels.

Skills

• Ability to prioritize and manage workflow.
• Ability to work in a team environment.
• Ability to build trust, value others, communicate effectively, drive execution, foster innovation, focus on the customer, collaborate with others, solve problems creatively and demonstrate high integrity.
• Expertise with respect to the competition.
• Demonstrated ability to interact and cooperate with all company employees.
• Excellent written and verbal communication skills.
• Expertise using Microsoft Office applications.