Product Owner - Payments

Primary Responsibilities

• Define and manage clear Objectives and Key Results (OKRs) that align with Institutional Services business priorities, measure success, and guide product and delivery team direction.
• Persuasively lead hands-on discovery of current-state workflows by engaging business line leaders, technology, operations, risk, and compliance partners; model end-to-end processes, controls, and system handoffs to inform redesign and delivery.
• Create and maintain a prioritized feature and capability backlog that reflects Institutional Services business architecture, regulatory considerations, and evolving client and user needs.
• Build and maintain current-state and future-state business process and workflow models to support solution design, dependency management, and strategic planning.
• Translate strategic business goals into actionable delivery roadmaps, balancing near-term operational stability and incremental value delivery with longer-term transformation objectives.
• Focus on outcomes over outputs, applying design thinking practices, data, and analytics to inform product decisions, measure impact, and continuously refine solutions.

Required Skills, Attributes, and Qualifications

• Bachelor’s degree and a minimum of 6 years’ business, analytical, technical and/or product experience, or in lieu of a degree, a combined minimum of 10 years’ higher education and/or work experience, including a minimum of 6 years’ business, analytical, technical and/or product experience.
• Working knowledge of money movement processes across financial services and FinTech platforms, including client receipts and disbursements, end-to-end payment lifecycle management, cash positioning, fee assessment triggers, exception handling, and reconciliation across multiple accounting systems and monetary ledgers (e.g., sub-ledgers, general ledger, suspense and clearing accounts).
• Deep expertise in payment systems and payment processing concepts, including but not limited to: payment submission and orchestration, authentication and authorization, clearing and settlement, idempotency, error detection, and exception management.
• Direct, hands-on experience with at least two (2) or more money movement methods, such as: wire transfers, SWIFT payments, ACH. internal or book transfers.
• Experience may include product ownership, platform implementation, operational oversight, or systems integration.
• Strong understanding of payment risk, controls, and fraud management, including: preventative and detective controls, operational risk and resiliency, auditability, incident management and root-cause analysis related to payment failures or losses.
• Demonstrated ability to use data, analytics, and reporting to inform product decisions, including defining key payment metrics, operational KPIs, exception trends, throughput, STP rates, and risk indicators; partnering with technology and operations teams to improve transparency and decision-making through dashboards and reporting tools.
• Proven experience in digital product ownership/management within corporate trust or capital markets.
• Experience working in Agile delivery environments, including backlog management using Jira or similar tools.
• Strong stakeholder management, communication, and problem-solving skills, with the ability to influence without direct authority.

Preferred Qualifications

• Product management or product ownership experience with corporate trust platforms, trust accounting systems, bond servicing platforms, custodial networks and clearing processes, core banking platforms, or payment solutions.
• Exposure to fintech platforms and emerging technologies with a strong understanding of what’s possible in a modern digital ecosystem.
• Demonstrated ability to stitch together vendor platform, APIs, and internal systems to design transformative, end-to-end experiences.
• Agile or product certifications (CSPO, SAFe POPM, or similar).