Senior Product Manager, Wires & ACH

Job DescriptionWhat is the opportunity?As a Senior Product Manager for Wires & ACH at RBC Wealth Management, you will lead the evolution of our payment transfer capabilities within the high-net-worth (HNW) and ultra-high-net-worth (UHNW) client ecosystem. Your mission will be to deliver a seamless, "private bank" product & digital experience for domestic and international wire transfers and ACH payments that integrate with the firm’s total wealth management platform, enabling clients to manage their operational cash with the same sophistication as their investment portfolios.What will you do?Product Strategy & VisionDefine the multi-year roadmap for Wire and ACH products, prioritizing features that reduce friction in domestic and international money movementBenchmark RBC's Wire and ACH capabilities against traditional competitors and fintech disruptors to ensure market-leading client experienceAdvocate for "Total Wealth" visibility, ensuring clients can view and move cash across brokerage and banking accounts effortlessly through optimal payment methodsExecution & Feature DeliveryLead modernization of domestic and international payment transfer capabilities (Fedwire, SWIFT, ACH)Own the end-to-end lifecycle for both wire transfers and ACH payments, including initiation, validation, processing, and confirmationTranslate complex regulatory requirements (AML, KYC, OFAC) into intuitive solutionsImplement real-time transaction processing and balance updates, supporting a multi-billion dollar domestic & international payment volumeDrive automation and reduce manual intervention in Wire and ACH processing workflowsOptimize routing logic to recommend appropriate payment rails based on client needs, speed requirements, and cost efficiencyStakeholder & Ecosystem CollaborationPartner with Consumer Digital Product teams to leverage enterprise banking rails while customizing UI/UX for Wealth Management clientsCollaborate with Legal, Risk, and Compliance to ensure all Wire and ACH features meet stringent anti-money laundering standardsWork closely with Financial Advisors to ensure digital tools empower the advisor-client relationship rather than bypassing itCoordinate with correspondent banks, ACH operators, and third-party vendors to optimize payment processing efficiencyData & Performance ManagementDefine and track North Star metrics: Wire and ACH adoption rates, processing speed, error rates, and client satisfactionUtilize client analytics to identify pain points in the payment transfer funnel and iterate on user experienceMonitor transaction volumes and performance against industry benchmarksDrive continuous improvement through A/B testing, user feedback, and data-driven decision makingWhat do you need to succeed?Must-have7+ years in Product Management, specifically within Wealth Management, Private Banking, or Consumer Digital BankingBachelor's degree in Business, Finance, Computer Science, or related fieldDeep understanding of payment rails (Fedwire, SWIFT, ACH) and the complete payment transfer lifecycleExperience with account validation and verification processesExperience working in an Agile environment, collaborating directly with engineering teams via JIRA to deploy APIs and microservicesProven track record of delivering high-end digital experiences for HNW/UHNW clientsExceptional ability to influence senior leadership (Director/MD levels) and present complex product trade-offs clearlyStrong knowledge of AML/KYC regulations and payment compliance requirementsProficiency with wire transfer and ACH systems and payment processing platformsExperience with API integration and microservices architectureKnowledge of data analytics tools for tracking payment performance metricsUnderstanding of security protocols for sensitive financial transactionsNice-to-haveMBA or advanced degree preferredExperience with both Wire and ACH products, including comparative knowledge of use casesExperience with account validation and verification methodologies (IAV, microdeposits, etc.)Experience with international wire products and multi-currency transactionsKnowledge of treasury management services for high-net-worth business ownersFamiliarity with Salesforce Financial Services Cloud or similar CRM ecosystemsExperience with real-time payment systems and digital banking platformsBackground in fraud detection and prevention systemsUnderstanding of correspondent banking relationships and international payment networksWhat’s in it for you?We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.A comprehensive Total Rewards Program include competitive compensation and flexible benefits, such as 401(k) program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.Leaders who support your development through coaching and managing opportunities.Ability to make a difference and lasting impact.Work in a dynamic, collaborative, progressive, and high-performing team.Opportunities to do challenging work.Opportunities to build close relationships with clients.The expected salary range for this particular position is $90,000-$160,000, depending on your experience, skills, and registration status, market conditions and business needs.You have the potential to earn more through RBC’s discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.RBC’s compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that:Drives RBC’s high-performance cultureEnables collective achievement of our strategic goalsGenerates sustainable shareholder returns and above market shareholder valueJob SkillsCommunication, Critical Thinking, Group Problem Solving, Knowledge Organization, Long Term Planning, Product Development Lifecycle, Product Manufacturing, Product Services, Product Testing, Waterfall ModelAdditional Job DetailsAddress:250 NICOLLET MALL:MINNEAPOLISCity:MinneapolisCountry:United States of AmericaWork hours/week:40Employment Type:Full timePlatform:WEALTH MANAGEMENTJob Type:RegularPay Type:SalariedPosted Date:2026-09-08Application Deadline:Note:Applications will be accepted until 11:59 PM on the day prior to the application deadline date aboveOur Employment OpportunitiesAt RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.Join our Talent CommunityStay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.Job SummaryJob number: R-0000186975Date posted : 2026-09-08Profession: Strategy | Project & Program ManagementEmployment type: Full time