Senior Product Manager, Cash Products

Royal Bank of Canada • Charlotte, NC

9h • $90,000 - $160,000

About The Position

What is the opportunity? The Senior Product Manager for Cash Products will lead the evolution of RBC Wealth Management-US’s cash management suite. The focus of this role will be to provide high-net-worth (HNW) and ultra-high-net-worth (UHNW) clients with a seamless, "private bank" digital experience that allows clients to manage their operational cash with the same sophistication as their investment portfolios. This role will have end-to-end product responsibility for Debit Cards, Checks, and Wires, ensuring these foundational banking services are integrated into a modern, consumer-grade digital ecosystem. The incumbent of this role will bridge the gap between traditional wealth management services and cutting-edge consumer digital banking. What will you do?

Requirements

• Bachelor’s degree in finance, business or related field
• 7+ years in Product Management, specifically within Wealth Management, Private Banking, or Consumer Digital Banking
• Deep understanding of payment rails (ACH, Fedwire, SWIFT) and the lifecycle of debit card processing and physical/digital check issuance
• Experience working in an Agile environment, collaborating directly with engineering teams to deploy APIs and microservices
• A proven track record of delivering high-end digital experiences; you understand that for a wealth client, "simple" is a luxury
• Exceptional ability to influence senior leadership (Director/MD levels) and present complex product trade-offs clearly

Responsibilities

• Define the multi-year roadmap for operational cash at RBC Wealth Management-US, prioritizing features that reduce friction in moving and spending money
• Benchmark RBC’s cash products against both traditional competitors and fintech disruptors to ensure a market-leading client experience
• Advocate for "Total Wealth" visibility, ensuring clients can view and move cash across brokerage and banking accounts effortlessly
• Lead the delivery of new banking features, specifically focusing on the modernization of Wires (domestic and international) and Digital Debit Card management (instant issuance, spend controls)
• Own the lifecycle of Check-related services, including remote deposit capture and digital check ordering/management
• Translate complex regulatory and compliance requirements into intuitive user stories and technical specifications
• Partner with Consumer Digital Product teams to leverage enterprise-level banking rails while customizing the UI/UX for the specific needs of Wealth Management clients
• Collaborate with Legal, Risk, Compliance and other key internal partners to ensure all money-movement features meet stringent anti-money laundering (AML) and "Know Your Customer" (KYC) standards
• Work closely with Financial Advisors to gather feedback and ensure digital tools empower the advisor-client relationship
• Define and track North Star metrics, such as Cash-to-AUM ratios, digital adoption rates for wire transfers, and debit card interchange revenue
• Utilize client analytics to identify pain points in the money-movement funnel and iterate on the user experience

Benefits

• We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper.
• We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
• A comprehensive Total Rewards Program include competitive compensation and flexible benefits, such as 401(k) program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.
• Leaders who support your development through coaching and managing opportunities.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high-performing team.
• Opportunities to do challenging work.
• Opportunities to build close relationships with clients.

What This Job Offers

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