Salary range: An annual salary range of $160,000 to $175,000 base salary plus 25% target annual bonus is what we expect to pay for this position, based on overall skills and experience.
Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.
What You'll Do:You will own the strategy, performance and profitability of our deposit and liquidity products within Treasury Management. You will grow deposits and fee revenue, set sound pricing and shape partner platforms.
You will work with Relationship Managers, TM Sales Advisory, Technology, Operations, Legal, Compliance and Risk to bring customers products that solve real problems and that the bank can deliver well.
Strategy and growth- Set the vision and roadmap for deposit products, liquidity products and partner platforms.
- Use market data, competitor moves and customer feedback to find new products and improve current ones.
- Build business cases that tie product decisions to deposit growth, revenue and the bank's balance sheet strategy.
Product lifecycle- Lead each product from idea to launch, including requirements, design, development, pricing, positioning and rollout.
- Set clear priorities and keep Technology and Operations aligned through delivery.
- Track adoption and performance after launch. Adjust, relaunch or retire products when results call for it.
Pricing and profitability- Own rate and fee pricing. Keep it competitive, profitable and consistent across products.
- Guide the account analysis and pro forma pricing process so proposals are accurate, timely and aligned with the value of the customer relationship.
Liquidity- Manage sweeps, ICS and MMF offerings so they meet customer liquidity needs and support the bank's funding goals.
- Work with Treasury and Finance partners to understand how balance and rate changes affect these products.
Partner platforms- Define the partner platform program.
- Manage partner performance, contracts and risk with Technology, Operations and vendor risk teams.
Risk and compliance- Make sure every product meets applicable regulations, industry standards and internal risk policies.
- Work with Legal, Compliance and Risk to monitor regulatory change and act early on its impact.
- Keep product disclosures, procedures and documentation current.
Customers and partners- Meet with customers, Relationship Managers (RMs) and TM Sales Advisory to understand needs and design solutions that fit each customer's business goals.
- Give sales teams the product knowledge, pricing guidance and training they need to sell with confidence.
- Represent Treasury Management in internal and external forums.
Leadership- Build a culture of innovation, accountability and continuous improvement.
- Lead through influence. Coach and mentor team members across Commercial Product and partner teams.
What Do You Need?- Bachelor's degree in Business, Finance, Technology or a related field. Master's degree preferred.
- More than 5 years of experience in deposit, payments or treasury management product management, or in a related financial services role.
- Proven record of developing and managing deposit and payment solutions at a large financial institution.
- Strong knowledge of deposit products, payment systems, industry trends, the regulatory environment and risk considerations.
- Ability to drive product strategy, innovation and commercialization.
- Strong communication, stakeholder management and leadership skills.
- Preferred: hands-on experience with deposit pricing, account analysis, product P&L or liquidity products such as sweeps, ICS and MMF.
Skills and strengths- Strategic thinking and vision
- Deep expertise in deposits, payments and treasury management
- Analytical and problem-solving skills
- Project management and execution
- Change management and agility
Technology Skills:- Ability to work with the Microsoft Suite and learn/work with other Customers Bank's applications.
- Familiarity with AI and automation tools that support productivity, workflow efficiency, and client engagement.
