Product Owner - Digital Banking Experience

Job Description

Job Description

This is an on-site, in-office position based in Sioux Falls, South Dakota.

Position Summary:

The Product Owner, Digital Banking Experience drives the strategy, roadmap, delivery, and continuous improvement of the Bank's digital banking portfolio. This role partners across the organization to identify opportunities, prioritize initiatives, and implement solutions that enhance customer experiences, improve operational effectiveness, and support business growth.

Serving as the connection point between customers, business teams, operations, technology partners, and vendors, the Product Owner develops and maintains product roadmaps, facilitates cross-functional alignment, and ensures solutions deliver measurable value. Through ongoing analysis of customer feedback, performance metrics, market trends, and business needs, this role continuously evaluates and enhances digital banking capabilities to support the Bank's strategic goals and evolving customer expectations.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who we are:

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

What will you do:

Accountabilities

Product Leadership

Lead with clear direction, providing the necessary tools to delegate and elevate for growth and development of teammates.

• Translate strategic direction into a clear and actionable roadmap for the Digital Banking experience.
• Develop, maintain, and communicate the Digital Banking roadmap in partnership with Customer Experience leadership and key stakeholders.
• Evaluate customer needs, business objectives, operational challenges, technology capabilities, and regulatory considerations to inform priorities.
• Assess and prioritize requests and opportunities based on strategic alignment, customer and business value, effort, dependencies, and urgency.
• Provide clear priorities and direction to business, technology, operational, and vendor teams.
• Maintain visibility into planned and active work, including key decisions, dependencies, and tradeoffs.
• Serve as a central point of coordination for Digital Banking opportunities, requests, and priorities.
• Build strong partnerships across business lines, Operations, Technology, Marketing, Risk, Compliance, Customer Service, and other teams.
• Facilitate decisions and alignment when priorities, needs, or perspectives compete.

Product Delivery & Execution

Lead initiatives from defined opportunity through implementation, adoption, and ongoing improvement.

• Translate customer and business needs into clear requirements, desired outcomes, and measures of success.
• Coordinate business, technology, operations, and vendor partners through solution design, testing, implementation, and adoption.
• Partner with technology vendors to evaluate capabilities, communicate business needs, and support successful delivery.
• Make or facilitate product decisions needed to keep initiatives moving and aligned with the intended experience.
• Identify and resolve risks, dependencies, barriers, and operational readiness needs.
• Evaluate results following implementation and recommend improvements.

Customer Experience & Continuous Improvement

Develop a deep understanding of customer, teammate, and business needs, using insights and data to identify opportunities, enhance experiences, and drive continuous improvement.

• Gather and analyze customer feedback, teammate insights, performance data, operational observations, and industry trends.
• Identify friction, root causes, unmet needs, and opportunities to simplify experiences for customers and teammates.
• Facilitate discovery, journey mapping, process reviews, and working sessions to better understand problems and potential solutions.
• Monitor adoption, engagement, experience, and operational performance to identify opportunities and measure outcomes.
• Recommend enhancements and new capabilities based on customer needs, business value, and evolving expectations.

Qualifications

Bachelor's degree in Business, Finance, Marketing, Information Systems, or a related field preferred. Five or more years of relevant experience in banking, customer experience, product management, business analysis, digital products, process improvement, technology implementation, or a combination of education and experience that would enable the incumbent to meet the accountabilities and required competencies of the position. Experience in banking or financial services preferred but not required.

Skills and Abilities

• Ability to translate strategic direction into clear priorities, plans, and executable work.
• Strong problem-solving, decision-making, analytical, and critical-thinking skills.
• Ability to understand complex processes and systems, identify root causes, and connect customer, business, operational, and technology considerations.
• Ability to balance customer needs, business value, risk, effort, and competing priorities when making recommendations.
• Strong organizational skills with the ability to manage multiple priorities, initiatives, and stakeholders.
• Excellent verbal and written communication skills.
• Strong facilitation skills and ability to lead productive discussions with diverse groups.
• Ability to build relationships and influence outcomes without direct authority.
• Ability to translate business needs into clear requirements and communicate effectively with both business and technical teams.
• Ability to use customer feedback, analytics, and operational insights to inform decisions.
• Ability to work independently, demonstrate initiative, and operate effectively in situations where the path forward is not always clearly defined.
• Ability to challenge assumptions constructively and ask questions that help teams better understand the problem being solved.
• Ability to adapt to changing customer expectations, business priorities, technology, and organizational needs.

What’s in it for you?

• Health Insurance
• Dental & Vision Insurance
• Profit Sharing
• Paid Vacation & Holidays
• Company paid short and long term disability
• Tuition Reimbursement Program
• Employee Banking Perks
• Community Volunteer time
• And More!