Head of Faster & Unified Payables

U.S. Bank • Atlanta, NY

3d • Onsite

About The Position

The Head of Faster and Unified Payables leads product strategy, commercialization, and business performance for U.S. Bank’s Unified Payables offering and instant payments portfolio. Unified Payables is a joint Treasury and Payment Solutions (TPS) and Corporate Payment Systems (CPS) priority intended to provide middle-market clients with an integrated experience for managing, controlling, and optimizing payables from invoice through reconciliation. The role is the dedicated product voice for Unified Payables, defining its product construct and minimum viable offering, leading pricing and packaging, and coordinating with Sales, Strategy, Technology, Operations, and Risk to bring solutions to market. It also leads the Faster Payments product team and is accountable for growing RTP and FedNow capabilities and advancing emerging digital payables solutions.

The leader owns product vision, roadmaps, lifecycle management, commercialization, pricing, and P&L performance for Unified Payables and instant payments. The role combines existing TPS and CPS capabilities into a coherent offering, evaluates build, buy, and partnership opportunities, and works across teams to support client adoption and business growth. It also oversees product risk, compliance, fraud controls, governance, and the development of a product management team.

This position requires working onsite from a U.S. Bank location three or more days per week. The posted pay range is $170,255 to $200,300. U.S. Bank offers healthcare and other benefits, subject to eligibility requirements.

Requirements

• Bachelor’s degree or equivalent work experience.
• Typically 10 or more years of product management experience.
• Strong vision, decisive execution, and ability to lead independently in senior forums across business lines.
• Ability to collaborate and influence at a senior level across multiple business lines and functions.
• Thorough knowledge of regulatory, risk, and payment network rule requirements applicable to payments products.
• Excellent verbal and written communication and executive presentation skills.

Nice To Haves

• Product leadership experience in accounts payable automation, integrated payables, commercial card, treasury management, or B2B payments at a financial institution, fintech, or payments software provider.
• Record of bringing new products or bundled solutions to market, including solution design, pricing, packaging, and go-to-market execution.
• Strong knowledge of payment rails, including ACH, wires, check, virtual card, RTP, and FedNow, and ERP and accounting system integration.
• Technical fluency in payments platforms, APIs, and embedded payments, with ability to work closely with Engineering on platform architecture and integration design.
• Experience applying AI and automation to accounts payable workflows, such as invoice capture, exception handling, and payment optimization.
• Experience leading build, buy, and partner decisions and managing strategic vendor and fintech partnerships.
• Demonstrated management, leadership, and coaching skills, including leading teams of product managers.
• Strong financial and competitive analysis skills, including business case development and product profitability management.
• Experience applying client research, personas, and experience design to product decisions.
• Working knowledge of Lean/Agile product delivery.

Responsibilities

• Own the Unified Payables product vision, roadmap, and success measures with CPS product leadership, aligning them with client outcomes such as working capital and DPO optimization, straight-through processing, faster reconciliation, and paper-to-electronic conversion.
• Define the product construct, minimum viable offering, and target-state capabilities across AP workflow, ERP and accounting connectivity, supplier enablement, multi-rail payment execution and orchestration, controls, reconciliation, and data-driven insights, informed by client research and voice-of-customer findings.
• Manage the full product lifecycle; combine TPS and CPS capabilities into a coherent offering and rationalize or retire overlapping products and platforms.
• Lead build, buy, and partner analysis and evaluate fintech and vendor partners; develop business cases, opportunity sizing, and investment requests with Strategy and Finance.
• Own the P&L for Unified Payables and instant payments, including revenue, profitability, pricing, and investment prioritization; set and report key performance indicators to senior leadership.
• Lead product packaging, bundled pricing, and contracting with Pricing, CPS, and Legal partners, and secure governance approvals.
• Partner with Sales to launch and scale cross-sell campaigns across TPS and CPS client bases, providing sellers with positioning, sales plays, and training.
• Build supplier acquisition, enablement, and retention strategies to grow electronic and card acceptance across the supplier network.
• Lead the RTP and FedNow instant payments portfolio, grow client adoption and the use case pipeline, and deliver a commercialization and modernization roadmap with a consistent client experience across payment rails.
• Identify, evaluate, and incubate emerging payables capabilities and partnerships; represent U.S. Bank with clients, partners, payment networks, and industry bodies.
• Ensure products operate within U.S. Bank’s risk appetite and comply with applicable laws, regulations, and payment network operating rules.
• Manage product, vendor, and partner risk through enterprise processes, including PRISM, BCI, and TPRM, and coordinate legal review of supporting collateral and documentation.
• Build fraud prevention, controls, and audit readiness into product design and client experiences.
• Lead, coach, and develop product managers; establish ownership, priorities, and performance expectations; build talent and succession depth; and foster accountability, pace, and collaboration across TPS, CPS, and partner organizations.
• Represent the portfolio in senior leadership forums, steering committees, and product governance routines, and make and drive decisions independently.

Benefits

• Healthcare, including medical, dental, and vision coverage.
• Basic term and optional term life insurance.
• Short-term and long-term disability insurance.
• Pregnancy disability and parental leave.
• 401(k) and employer-funded retirement plan.
• Paid vacation, from two to five weeks depending on salary grade and tenure.
• Up to 11 paid holiday opportunities.
• Adoption assistance.
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law.
• Incentive and recognition programs.
• Equity stock purchase, 401(k) contribution, and pension, subject to eligibility requirements.

What This Job Offers

• Job Type: Full-time
• Career Level: Director