Treasury Product Payments Lead

VA/NY/OH

As the Treasury Management (TM) Payments Lead, you are responsible for the strategy, lifecycle management, and ongoing evolution of NCB's payments products and services. This role owns how payments capabilities-ACH, wires, checks, and emerging faster payments-support client operating needs, deposit relationships, and fee income growth.

You will translate client needs, sales insights, and industry trends into practical, scalable product decisions within a vendor-provided technology environment. The role partners closely with Treasury Management Sales Officers, Business Development Officers, Operations, Technology, Risk, Compliance, and external vendors to deliver competitive, well-governed payments solutions aligned with NCB's cooperative values.

Role Responsibilities:

• Define and manage the payments product strategy and roadmap for NCB's Treasury Management portfolio, including traditional payment rails (ACH, wires, checks) and emerging and faster payment capabilities.
• Own the full payments product lifecycle across both established and emerging payment solutions, including intake, discovery, prioritization, solution definition, delivery coordination, launch readiness, and post-launch performance review.
• Serve as the primary payments subject matter expert for Treasury Management, providing expert support for complex sales discussions, client escalations, and solution design.
• Partner with Treasury Management Sales Officers and Business Development Officers to translate client cash flow needs and operating models into payment solutions that support relationship growth.
• Partner with technology and operations teams to improve client connectivity and adoption for payments solutions (e.g., file transmission, ERP integration, and API-enabled capabilities), focusing on a streamlined client experience.
• Assess client experience, product performance, and market trends to identify enhancement opportunities that improve adoption, efficiency, risk management, and revenue outcomes.
• Manage and influence key payments vendor relationships, including roadmap alignment, enhancement prioritization, contract support, and issue resolution.
• Collaborate with Operations, Technology, Risk, Compliance, Legal, Finance, and Marketing to ensure payments products are compliant, operationally sound, and aligned with enterprise governance standards.
• Support pricing strategy, product profitability analysis, and investment recommendations related to payments capabilities.
• Monitor industry and regulatory developments in payments and evaluate emerging models-such as tokenized deposits and regulated stablecoin settlement-for client applicability, risk, operational readiness, and commercial value.
• Participate in enterprise initiatives affecting payments, client experience, and operating efficiency.
• Travel as needed to support internal collaboration, vendor engagement, and participation in relevant industry events and conferences.

Minimum Qualifications:

• 7+ years of progressive experience in payments product management within commercial or transaction banking, with direct accountability for core Treasury Management payment products
• Demonstrated ownership of payments products end-to-end, including strategy, roadmap prioritization, delivery coordination, launch, and ongoing performance management
• Strong working knowledge of domestic payments flows, operating rules, settlement models, and exception handling across ACH, wires, and related TM payment rails, with familiarity with faster or real-time payments
• Experience evaluating or scaling emerging payment capabilities within a regulated financial institution, including assessing client use cases, operational readiness, risk considerations, and vendor dependency
• Proven ability to lead complex, cross-functional product initiatives across Operations, Technology, Risk, Compliance, Legal, and external vendors, with accountability for delivery and outcomes
• Strong commercial orientation, including experience supporting pricing decisions, evaluating product economics, and partnering with sales teams on client solutions
• Senior-level communication, analytical, and prioritization skills, with the judgment to balance client needs, innovation opportunities, and institutional risk constraints
• Ability to travel

Education:

Bachelor's degree required

Licenses/Certifications:

Certified Treasury Professional (CTP) designation a plus

Work Environment:

Hybrid - Employees will work from both remote and onsite locations. Employees must live within a reasonable commuting distance of the office and are required to be on-site at least two (2) days per week, specifically on Tuesdays and Wednesdays. Certain positions or business needs may require additional in-office days.

AA/EOE