Senior Product Manager, Cash Products
Description
The Senior Product Manager for Cash Products will lead the development and evolution of RBC Wealth Management-US's cash management services. The role focuses on creating a seamless, digital 'private bank' experience for high-net-worth (HNW) and ultra-high-net-worth (UHNW) clients, allowing sophisticated management of operational cash. This position holds end-to-end product responsibility for Debit Cards, Checks, and Wires, ensuring these core banking services are integrated into a modern digital ecosystem and bridging traditional wealth management with cutting-edge consumer digital banking.
What We're Looking For
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 competitors and fintech disruptors to ensure a market-leading client experience.,Advocate for 'Total Wealth' visibility, enabling clients to view and move cash across brokerage and banking accounts effortlessly.,Lead the delivery of new banking features, specifically focusing on modernizing 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 Wealth Management clients.,Collaborate with Legal, Risk, Compliance, and other 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.
Ideal Candidate
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; understanding 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.
Minimum Education
Bachelor's Degree
Hard Skills
Soft Skills
Work Hours
40 hours/week
Benefits
Also Available At
About the Company
Royal Bank of Canada
Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. As Canada's largest bank, it provides personal and commercial banking, wealth management, and capital markets services to over 17 million clients worldwide.
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