ACH Product Lead, US Domestic Payments - SVP
About The Position
Citi is seeking a senior product leader to drive the commercialization and expansion of its ACH franchise within the US Domestic Payments business. The role shapes product strategy, accelerates go-to-market execution, and leads cross-functional delivery to grow a strategically important payments capability. It sits within the Services organization and works across product, technology, operations, and client coverage. The role leads ACH strategy and launches, evaluates product investments, translates client and market insights into product improvements, and represents Citi in industry forums and external discussions. It also monitors competitive and technological developments and ensures product documentation and governance comply with applicable policies and regulations.
Requirements
- 10 or more years of experience in electronic banking channels, with solid knowledge of corporate banking practices in cash management.
- Demonstrated ability to manage product delivery across complex, cross-functional environments involving technology, operations, and client-facing teams.
- Experience evaluating product investments and working with finance partners to track revenue performance and expenditure.
- Ability to translate client and market insights into product strategies and prioritized delivery plans.
- Skill navigating senior stakeholder relationships and influencing decisions across multiple functions and geographies.
- Ability to take ownership, set direction independently, drive work to completion without close oversight, and be accountable for results.
- Strong execution skills, including managing competing priorities and delivering high-quality work to deadlines.
- Exposure to business analysis, data analysis, and system analysis in a product or banking context.
- Bachelor's degree or equivalent university-level qualification.
Nice To Haves
- Master's degree in a relevant field such as business, finance, or technology.
- Familiarity with ACH payment rails, US domestic payment infrastructure, or broader payments industry dynamics.
- Experience representing an organization externally through industry bodies, working groups, or client-facing thought leadership.
- Experience working within large, matrixed financial institutions across global and regional product teams.
Responsibilities
- Lead the development and refinement of ACH product strategy, including the go-to-market approach and delivery model, in partnership with global and regional product teams.
- Plan and launch new ACH capabilities and functionalities, coordinating technology, operations, implementations, and regional teams to ensure timely, cost-effective, high-quality delivery.
- Partner with Finance to evaluate product investments and oversee revenue, expenditure, and benefits realization.
- Work with Coverage teams to understand client needs and translate insights into product improvements.
- Build and execute action plans in response to client feedback, collaborating across functions to strengthen the client experience.
- Represent Citi at industry forums, external working groups, and market events, contributing payments thought leadership.
- Develop and communicate perspectives on market evolution, regulatory change, and emerging payment technologies to clients, partners, and industry peers.
- Monitor competitive dynamics, market trends, and new technologies to inform product positioning and strategic priorities.
- Ensure product documentation and governance processes meet required standards and comply with applicable policies and regulatory obligations.
Benefits
- Hybrid working model with 3 days in the office and 2 days working remotely.
- Opportunities for ongoing professional development and career progression.
- Competitive compensation and a comprehensive benefits package, including financial wellbeing and family support programs.
- Medical, dental, and vision coverage.
- 401(k).
- Life, accident, and disability insurance.
- Wellness programs.
- Paid time off, including vacation, sick leave, and paid holidays.
- Eligible employees may receive discretionary and formulaic incentive and retention awards.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
