Head of Core Digital Payments

U.S. Bank

. Set the multi-year product vision, strategy, roadmap, and investment priorities for U.S.

Posted 10/26/2026full-timeMinneapolis • Minnesota • United StatesLead💰 $149,515 - $175,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive expertise in product management for ACH and Wire products, with a strong focus on modernization, risk management, and client engagement. Proven ability to lead cross-functional teams and drive strategic initiatives in a regulated banking environment.

Highest-signal resume keywords

Product ManagementACH and Wire ProductsPayments InfrastructureRegulatory ComplianceTeam Leadership

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Product Lifecycle ManagementKPI DefinitionPerformance AnalyticsFraud Mitigation SolutionsDigital Cash ManagementAPI IntegrationsOperational Risk ManagementPayment ControlsModernization InitiativesTreasury Management

Soft Skills

Effective CommunicationCollaborationStrategic AgilityOwnership MindsetInfluencing Skills

Tools & Technologies

ERP IntegrationsSWIFT MessagingISO 20022RTPFedNow

Industry Keywords

Financial ServicesTransaction BankingClient AdoptionRisk IndicatorsOperational Workflows

Tech Stack

Tools & technologies

ERPRuby on RailsSwift

About the role

Key responsibilities & impact

Set the multi-year product vision, strategy, roadmap, and investment priorities for U.S. Bank’s ACH and Wires portfolio
Run the ACH and Wires portfolio as a business with accountability for revenue, transaction growth, pricing, client adoption, digital migration, platform health, risk indicators, operating efficiency, and cost-to-serve
Lead end-to-end product lifecycle management across discovery, business case development, funding prioritization, requirements, delivery, launch, commercialization, servicing, performance management, and ongoing optimization
Drive modernization of core payment platforms, client-facing experiences, file/API connectivity, operational workflows, controls, reporting, servicing, and fraud mitigation capabilities
Own product governance and prioritization, balancing regulatory commitments, client demand, risk remediation, platform resiliency, modernization, revenue growth, and capacity constraints
Partner with technology, operations, risk, compliance, legal, sales, treasury management, client service, implementation, finance, data, and marketing teams
Serve as the senior subject matter expert for ACH, domestic and international wires, payment controls, fraud mitigation, exceptions, returns, recalls, settlement, service messages, operational workflows, client impacts, and industry rules
Ensure products operate within U.S. Bank’s risk appetite and applicable rules, including NACHA requirements, wire transfer obligations, sanctions screening, fraud controls, audit readiness, and broader banking risk management expectations
Represent the portfolio in senior leadership forums, product governance routines, client engagements, industry conversations, and cross-functional steering committees
Lead, coach, and develop a high-performing product team, building ownership clarity, product discipline, talent development, succession depth, and collaborative culture

Requirements

What you’ll need

Typically 10 or more years of relevant experience in product management, payments, treasury management, transaction banking, financial services, or related roles
Bachelor’s degree, or equivalent work experience
Advanced product management or similar experience
Direct experience leading ACH and/or Wire products, platforms, capabilities, operations, or modernization initiatives in a regulated banking environment
Experience leading, coaching, and developing product teams
Experience with commercial banking, treasury management, embedded payments, APIs, ERP integrations, file transmission, or digital cash management platforms
Knowledge of emerging payment rails and adjacent capabilities, including RTP, FedNow, ISO 20022, SWIFT messaging, payment controls, and fraud mitigation solutions
Experience leading modernization, migration, simplification, resiliency, or platform transformation initiatives
Experience partnering with fintechs, processors, correspondent banks, vendors, networks, or third-party service providers
Experience defining KPIs, OKRs, dashboards, performance scorecards, and client or portfolio analytics
Strong understanding of payments infrastructure, money movement workflows, file/API-based connectivity, payment initiation, exception management, settlement, fraud controls, operational risk, and servicing models
Ability to collaborate and influence at a senior level across business, technology, risk, operations, sales, servicing, implementation, finance, legal, compliance, and client-facing teams
Understanding of multiple product lines, including profitability drivers, value proposition, target customer profiles, competitive positioning, regulatory considerations, and customer experience
Effective presentation, verbal, and written communication skills
High judgment, ownership mindset, strategic agility, and ability to lead through ambiguity, change, transformation, and regulated delivery constraints
Ability to work onsite from a U.S. Bank location three or more days per week
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies

Benefits

Comp & perks

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
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