Product Owner � Digital Banking Experience

The First National Bank in Sioux Falls•Sioux Falls, SD

3d•Onsite

About The Position

The Product Owner, Digital Banking Experience drives the strategy, roadmap, delivery, and continuous improvement of the Bank’s digital banking portfolio. The role partners across the organization to identify opportunities, prioritize initiatives, and implement solutions that enhance customer experiences, improve operational effectiveness, and support business growth. Acting as a connection point among customers, business teams, operations, technology partners, and vendors, the Product Owner develops and maintains product roadmaps, facilitates cross-functional alignment, and ensures solutions deliver measurable value. The role uses customer feedback, performance metrics, market trends, and business needs to continually evaluate and enhance digital banking capabilities in support of the Bank’s strategic goals and evolving customer expectations. The position is on-site and in-office in Sioux Falls, South Dakota. The Bank’s FIRST Values—Family, Independence & Innovation, Relationships, Stewardship, and Teamwork—apply to all teammates. The First National Bank in Sioux Falls describes a culture founded on integrity, service, and strong values, with a longstanding commitment to supporting the local community.

Requirements

Five or more years of relevant experience in banking, customer experience, product management, business analysis, digital products, process improvement, technology implementation, or a combination of education and experience sufficient to meet the role’s accountabilities and competencies.
Ability to translate strategic direction into clear priorities, plans, and executable work.
Strong problem-solving, decision-making, analytical, and critical-thinking skills.
Ability to understand complex processes and systems, identify root causes, and connect customer, business, operational, and technology considerations.
Ability to balance customer needs, business value, risk, effort, and competing priorities when making recommendations.
Strong organizational skills and ability to manage multiple priorities, initiatives, and stakeholders.
Excellent verbal and written communication skills.
Strong facilitation skills and ability to lead productive discussions with diverse groups.
Ability to build relationships and influence outcomes without direct authority.
Ability to translate business needs into clear requirements and communicate effectively with business and technical teams.
Ability to use customer feedback, analytics, and operational insights to inform decisions.
Ability to work independently, demonstrate initiative, and operate effectively when the path forward is not clearly defined.
Ability to challenge assumptions constructively and ask questions that help teams understand the problem being solved.
Ability to adapt to changing customer expectations, business priorities, technology, and organizational needs.

Nice To Haves

Bachelor’s degree in Business, Finance, Marketing, Information Systems, or a related field preferred.
Experience in banking or financial services preferred but not required.

Responsibilities

Translate strategic direction into a clear and actionable Digital Banking roadmap, and develop, maintain, and communicate it with Customer Experience leadership and key stakeholders.
Evaluate customer needs, business objectives, operational challenges, technology capabilities, and regulatory considerations to inform priorities.
Assess and prioritize requests and opportunities based on strategic alignment, customer and business value, effort, dependencies, and urgency.
Provide priorities and direction to business, technology, operational, and vendor teams, and maintain visibility into planned and active work, decisions, dependencies, and tradeoffs.
Coordinate Digital Banking opportunities, requests, and priorities across the organization.
Build partnerships across business lines, Operations, Technology, Marketing, Risk, Compliance, Customer Service, and other teams; facilitate alignment when priorities or perspectives compete.
Lead initiatives from opportunity definition through implementation, adoption, and ongoing improvement.
Translate customer and business needs into clear requirements, desired outcomes, and measures of success.
Coordinate business, technology, operations, and vendor partners through solution design, testing, implementation, and adoption.
Partner with technology vendors to evaluate capabilities, communicate business needs, and support delivery.
Make or facilitate product decisions that keep initiatives moving and aligned with the intended experience.
Identify and resolve risks, dependencies, barriers, and operational-readiness needs; evaluate results after implementation and recommend improvements.
Gather and analyze customer feedback, teammate insights, performance data, operational observations, and industry trends.
Identify friction, root causes, unmet needs, and opportunities to simplify customer and teammate experiences.
Facilitate discovery, journey mapping, process reviews, and working sessions to understand problems and potential solutions.
Monitor adoption, engagement, experience, and operational performance to identify opportunities and measure outcomes.
Recommend enhancements and new capabilities based on customer needs, business value, and evolving expectations.
Provide direction and tools to delegate and support teammates’ growth and development.