Digital Assets Product Owner II - Enterprise Payments

M&T Bank Corporation; Buffalo (NY); On-site; USD 124,000 - 206,000; Full time

Job summary

M&T Bank Corporation in Buffalo, NY is seeking a Product Owner II to lead the technology management and strategic evolution of a next-generation payments rail within the Digital Assets and Payments ecosystem. You will align product vision, drive innovation, and deliver transformative payment capabilities across Wire, ACH, Instant Payments, Zelle, and Digital Assets.

This role requires strong payments domain knowledge, agile practices, and the ability to influence without direct authority while

Qualifications

• Bachelor’s degree and at least 6 years in business, analytical, technical and/or product roles.
• Experience prioritizing across competing priorities in a fast-changing landscape.
• Knowledge of Design Thinking, Agile and Lean principles and product design practices.
• Subject matter expertise in Payments (Wire, ACH, Zelle, and/or Digital Assets).

Responsibilities

• Own the product vision and roadmap aligned with strategic goals across payments rails.
• Prioritize backlogs based on vision and strategy.
• Represent the voice of the customer and write clear user stories with acceptance criteria.
• Collaborate with delivery teams to communicate progress and deliver ATDD-ready stories.
• Engage with cross-functional stakeholders and senior partners to drive outcomes.
• Ensure compliance with risk and regulatory standards and governance.

Skills

Payments knowledge

Product management

Agile delivery

Stakeholder management

Design thinking

Product design

Agile & Lean

UX collaboration

Digital assets

Communication skills

Education

Bachelor’s degree

Job description

Overview

This is an exciting opportunity for a seasoned payments practitioner to lead the technology management and strategic evolution of a next-generation payment rail within M&T Bank's Digital Assets and Payments ecosystem. As a Product Owner II, you will be at the forefront of aligning on product vision, driving innovation, and delivering transformative payment capabilities that support the future of digital transactions. This role requires a strong foundation in payment rails and transaction processing, coupled with expertise in one or more key disciplines including Product Management, Agile delivery, or Payment Operations. You will partner closely with business leaders, technology teams, and cross-functional stakeholders to shape and execute a product roadmap that delivers measurable value while aligning with enterprise strategy. You will own the backlog prioritization, define and communicate product vision, and lead agile teams through the delivery of complex payment solutions. Success in this role requires a deep understanding of payments, examples include Wire, ACH, Instant Payments, Zelle, Digital Assets, or emerging payment technologies, as well as the ability to influence without direct authority, navigate regulatory considerations, and make thoughtful decisions in a rapidly evolving landscape. The ideal candidate combines payment industry expertise with a passion for innovation, customer-focused product development, and agile practices. This is a unique opportunity to help shape the future of payments, drive strategic business outcomes, and play a key role in delivering one of the bank's most significant digital payment initiatives.

Primary Responsibilities

• Build and own the large product or set of products vision and roadmap that aligns with the overall strategic intent and communicate them with the team and all stakeholders.
• Prioritize the backlog(s) based on the overall product vision and strategy.
• Represent the voice of the customer within the team and convey story details to the team; make autonomous decisions, quickly and thoughtfully, to move delivery forward in alignment with overall product vision and strategy.
• Write user stories and groom the backlog in partnership with the team.
• Specify acceptance criteria for each user story in support of moving the team to Acceptance Test-Driven Development (ATDD).
• Work directly with the delivery team to create appropriate information radiators and other communication tools for internal team and stakeholder use to show progress on a large product or multiple products.
• Participate in all team activities and ceremonies.
• Use a matrixed influencing approach to work with essential business partners throughout the organization, often at a more senior level and irrespective of hierarchy or divisions, advocating for the benefit of the customer.
• Understand and engage with your customers.
• Focus on outcomes over outputs, incorporating design thinking methods and analytics to inform product design.
• Due to the scope of these product(s), these efforts are often more complex.
• Collaborate across teams and with other Product Owners to align the customer journey and dependent backlogs.
• May act on behalf of the Senior Product Owner as required by absence.
• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite.
• Identify risk-related issues needing escalation to management.
• Promote an environment that supports belonging and reflects the M&T Bank brand.
• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Managerial/Supervisory Responsibilities

No direct management responsibility, but while an individual contributor, the jobholder must manage activities through influence, accountability and ownership, functioning in an agile environment.

Education and Experience Required

Bachelor’s degree and a minimum of 6 years’ business, analytical, technical and/or product experience, or in lieu of a degree, a combined minimum of 10 years’ higher education and/or work experience, including a minimum of 6 years’ business, analytical, technical and/or product experience.

Education and Experience Preferred

• Prior experience prioritizing across competing priorities and quickly-changing landscape.
• Prior experience actively seeking out multiple opinions, yet making independent decisions and influencing positive outcomes.
• Understanding of Design Thinking principles.
• Knowledge of product design and development best practices.
• Knowledge of Agile and Lean principles and practices.
• Experience working in partnership with user experience teams on product design.
• Experience developing/managing digital capabilities.
• Strong verbal and written communication skills.
• Specific subject matter expertise in Payments (Wire, ACH, Zelle, and/or Digital Assets).

Salary

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

Location

Buffalo, New York, United States of America

About M&T Bank

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T’s Human Capital Report to learn more.

Equal Employment Opportunity

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.

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