Enterprise Money Movement Product Strategy Lead

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Segment Money Movement Product Strategy Lead will be responsible for driving the strategic evolution and optimization of money movement capabilities supporting revenue driving business lines. This role will maintain a holistic view of money movement journeys, platforms, channels, systems, rails, and operational processes across a customer segment to align stakeholders around strategic priorities and lead initiatives that modernize and enhance money movement capabilities. This role will coordinate and lead efforts from concept through implementation, ensuring successful delivery while maintaining a strong focus on client needs and business objectives.

The ideal candidate possesses deep expertise in payments and money movement, strong strategic and analytical capabilities, excellent communication skills, and the ability to build alignment across diverse stakeholder groups. This individual must be highly adaptable, execution-oriented, and comfortable operating within a complex environment where priorities, regulations, technologies, and client expectations continue to evolve.

Key Responsibilities

• Develop and maintain a comprehensive understanding of money movement journeys, channels, platforms, payment rails, systems, and operational processes across business lines for a selected customer segment (consumer, business, or institutional).

• Lead strategic initiatives designed to optimize money movement processes, technologies, platforms, and service delivery models.

• Partner closely with business line product owners, operations leaders, and experience teams to understand client needs, pain points, market expectations, and emerging opportunities.

• Work with technology and platform teams to evaluate solution options, understand dependencies, assess downstream impacts, and support successful implementation of change initiatives.

• Facilitate collaboration across business lines and corporate functions to align stakeholders around priorities, timelines, deliverables, and expected outcomes.

• Establish and manage project timelines, milestones, dependencies, and deliverables for assigned strategic initiatives.

• Monitor initiative progress, facilitate issue resolution, and help ensure successful execution and delivery of strategic objectives.

• Serve as a subject matter expert on money movement capabilities, the broader money movement ecosystem, and strategic goals across products and platforms for a selected customer segment.

Minimum Qualifications

• Bachelor's degree or equivalent work experience.

• 5+ years of experience in payments, money movement, product strategy, product management, operations, consulting, financial services, or a related field.

• Deep knowledge of consumer, small business, or institutional payment systems, money movement processes, payment rails, channels, and client journeys.

• Strong understanding of payment ecosystems, transaction flows, and operational considerations related to consumer banking products and services.

• Excellent written, verbal, presentation, and facilitation skills.

• Strong analytical and problem-solving capabilities.

Preferred Qualifications

• 7+ years of experience in payments, money movement, retail banking, digital banking, treasury services, payment modernization, or related disciplines.

• Demonstrated experience leading complex cross-functional initiatives involving multiple stakeholder groups.

• Deep expertise in payment rails and capabilities, including debit and credit card, ACH, RTP, FedNow, bill pay, account-to-account transfers, digital wallets, and wires.

• Experience leading enterprise-wide transformation, modernization, or optimization initiatives.

• Knowledge of emerging payment technologies, real-time payments, embedded finance, open banking, agentic commerce and digital payment trends.

• Experience working with large-scale payment platforms, banking infrastructure, and operations organizations.

• Understanding of regulatory, risk, fraud, compliance, and operational considerations related to consumer money movement.

Location Expectations:

This role requires working from a U.S. Bank location three (3) or more days per week

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• 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

Review our full benefits available by employment status here (https://careers.usbank.com/global/en/benefits/us) .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $133,365.00 - $156,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

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.

Posting may be closed earlier due to high volume of applicants.