Job description

The Senior Product Manager - Digital Payments will take ownership of core cash management & payment capabilities that small businesses rely on every day to move money securely and efficiently. This role is with Citi's Digital Payments product team and focuses on ACH originations, fraud mitigation and client-facing payment controls while also working at the intersection of product delivery, risk partnership and client experience. This work will define what gets built, shape how it performs and ensure clients have the secure & scalable tools needed to manage payments with confidence. Responsibilities: • Lead end-to-end product management for Digital Cash Management solutions including ACH originations, Real-time Payments & Wire Payments for Small Businesses. • Own the development and optimization of ACH fraud mitigation capabilities, including Positive Pay, Debit Block, and Debit Filter solutions, to protect clients against unauthorized payment activity. • Lead the development and execution of strategic product roadmaps for Payments and Transfers capabilities, coordinating product launches, enhancements, and marketing to maximize business impact. • Shape strategic product roadmaps for payments and cash management capabilities, identifying enhancements that improve processing efficiency and strengthen competitive positioning. • Partner with UX, technology, and analytics teams to translate client needs into scalable, intuitive digital solutions that measurably improve adoption and satisfaction. • Coordinate digital integration efforts with fintech partners, third-party vendors, and internal technology teams to extend capabilities through APIs and embedded banking. • Analyze competitive landscapes, market trends, and client research to identify opportunities and inform product strategy and execution priorities. • Monitor product performance metrics and translate findings into targeted improvements that increase client adoption, payment accuracy, and overall satisfaction. • Develop and apply client and market insights to validate product decisions, identify gaps in current capabilities, and prioritize the most impactful enhancements. Experience: • 6-10 years experience in product management, with direct ownership of payment products or cash management capabilities across their full lifecycle. • Practical knowledge of ACH, Wires, Real-Time payments processing and payment operations with the ability to translate that expertise into product decisions that improve client outcomes. • Analytical capability to interpret product performance data, identify client pain points, and build evidence-based cases for product investment and prioritization. • Clear written and verbal communication skills, with the ability to align cross-functional stakeholders and articulate complex payment concepts in plain language. • Ability to manage competing priorities independently, maintain delivery pace under pressure, and adjust quickly when requirements or timelines shift. • A bachelor's degree or equivalent university qualification is required. Additional Experience & Qualifications: • Background in small business payments, acquisitions, or product analytics within financial services • Familiarity with API-based payment processing or experience defining product requirements Education: • Bachelor’s degree/University degree. Master’s degree preferred What this role offers: This is a role where your product decisions directly protect clients and improve the way businesses manage payments at scale. You will have real ownership, cross-functional influence, and the resources of a global financial institution behind the work you lead. • Direct ownership of high-impact payment and fraud control products that small business clients across the country depend on daily. • A hybrid working model with 3 days in the office and 2 days working remotely, designed to balance team collaboration with focused, productive work time. • Close collaboration with risk, compliance, and technology teams, giving you broad cross-functional exposure and the opportunity to build expertise across the payments ecosystem. • Access to ongoing learning and professional development opportunities within one of the world's leading financial services organisations. • A performance-driven environment where your contributions are visible, your product decisions carry weight, and your career progression reflects the outcomes you deliver. • Comprehensive financial wellbeing and employee benefits as part of Citi's total rewards offering, supporting your long-term financial security and personal wellbeing. ------------------------------------------------------ Job Family Group: Product Management and Development ------------------------------------------------------ Job Family: Product Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Irving Texas United States ------------------------------------------------------ Primary Location Full Time Salary Range: $114,720.00 - $172,080.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Aug 14, 2026 ------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. Illinois residents – AI Notice and Right ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View Citi’s EEO Policy Statement and the Know Your Rights poster.

Requirements

Must-haves

Lead end-to-end product management for Digital Cash Management solutions including ACH originations, Real-time Payments & Wire Payments for Small Businesses.
Own the development and optimization of ACH fraud mitigation capabilities, including Positive Pay, Debit Block, and Debit Filter solutions, to protect clients against unauthorized payment activity.
Lead the development and execution of strategic product roadmaps for Payments and Transfers capabilities, coordinating product launches, enhancements, and marketing to maximize business impact.
Shape strategic product roadmaps for payments and cash management capabilities, identifying enhancements that improve processing efficiency and strengthen competitive positioning.
Partner with UX, technology, and analytics teams to translate client needs into scalable, intuitive digital solutions that measurably improve adoption and satisfaction.
Coordinate digital integration efforts with fintech partners, third-party vendors, and internal technology teams to extend capabilities through APIs and embedded banking.
Analyze competitive landscapes, market trends, and client research to identify opportunities and inform product strategy and execution priorities.
Monitor product performance metrics and translate findings into targeted improvements that increase client adoption, payment accuracy, and overall satisfaction.
Develop and apply client and market insights to validate product decisions, identify gaps in current capabilities, and prioritize the most impactful enhancements.
6-10 years experience in product management, with direct ownership of payment products or cash management capabilities across their full lifecycle.
Practical knowledge of ACH, Wires, Real-Time payments processing and payment operations with the ability to translate that expertise into product decisions that improve client outcomes.
Analytical capability to interpret product performance data, identify client pain points, and build evidence-based cases for product investment and prioritization.
Clear written and verbal communication skills, with the ability to align cross-functional stakeholders and articulate complex payment concepts in plain language.
Ability to manage competing priorities independently, maintain delivery pace under pressure, and adjust quickly when requirements or timelines shift.
A bachelor's degree or equivalent university qualification is required.
Background in small business payments, acquisitions, or product analytics within financial services
Familiarity with API-based payment processing or experience defining product requirements
Direct ownership of high-impact payment and fraud control products that small business clients across the country depend on daily.
A hybrid working model with 3 days in the office and 2 days working remotely, designed to balance team collaboration with focused, productive work time.
Close collaboration with risk, compliance, and technology teams, giving you broad cross-functional exposure and the opportunity to build expertise across the payments ecosystem.
Access to ongoing learning and professional development opportunities within one of the world's leading financial services organisations.
A performance-driven environment where your contributions are visible, your product decisions carry weight, and your career progression reflects the outcomes you deliver.
Comprehensive financial wellbeing and employee benefits as part of Citi's total rewards offering, supporting your long-term financial security and personal wellbeing.

Nice-to-haves

Bachelor’s degree/University degree. Master’s degree preferred

Application prep

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Keywords to mirror

apiaiaccessibility

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Effort: medium

Benefits

Benefits detected in the listing.

Dental

Vision

401(K)

Paid Time Off

Wellness

Professional Development