Head of Core Digital Payments

US Bank; Minneapolis (MN); On-site; USD 180,000 - 320,000; Full time

Job summary

U.S. Bank is seeking the Head of Core Digital Payments to lead strategy, modernization, and financial performance of the ACH and Wires portfolio across digital and file-based channels in Minneapolis.

You will own end-to-end product lifecycle, set multi-year roadmaps, and partner with technology, risk, legal, and sales to deliver secure, scalable payment solutions.

The role requires 10+ years in product management or payments and a Bachelor’s degree.

Qualifications

• 10+ years of relevant experience in product management, payments, treasury management, or related roles.
• Bachelor's degree, or equivalent work experience.

Responsibilities

• Set the multi-year product vision, strategy, roadmap, and investment priorities for ACH and Wires.
• Run the ACH and Wires portfolio as a business with accountability for revenue, growth, pricing, and adoption.
• Lead end-to-end product lifecycle management from discovery to optimization.
• Drive modernization of core payment platforms, client experiences, and connectivity.
• Own product governance and prioritization across regulatory commitments and risk.

Skills

Product management

Payments

Treasury management

Financial services

Education

Bachelor's degree

Job description

Job Description

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 you excel at-all from Day One.

SUMMARY

The Head of Core Digital Payments will lead the strategy, modernization, commercialization, risk posture, client experience, and financial performance of U.S. Bank's core ACH and Wires product portfolio. This leader will serve as the end-to-end owner for foundational money movement capabilities that support commercial, treasury, small business, corporate, and enterprise clients across digital and file-based channels. Product leaders at U.S. Bank are customer obsessed in driving product planning, visioning, development, management, and customer experience to deliver on our human plus digital product strategy while staying one step ahead of evolving economic, technological, regulatory, and customer needs.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve 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 you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

RESPONSIBILITIES

• Set the multi-year product vision, strategy, roadmap, and investment priorities for U.S. Bank's ACH and Wires portfolio, aligning to enterprise payments strategy, client needs, modernization priorities, risk expectations, and financial objectives.
• Run the ACH and Wires portfolio as a business, with accountability for revenue, transaction growth, pricing, client adoption, digital migration, platform health, risk indicators, operating efficiency, and cost-to-serve.
• Lead end-to-end product lifecycle management across discovery, business case development, funding prioritization, requirements, delivery, launch, commercialization, servicing, performance management, and ongoing optimization.
• Drive modernization of core payment platforms, client-facing experiences, file/API connectivity, operational workflows, controls, reporting, servicing, and fraud mitigation capabilities.
• Own product governance and prioritization, making tradeoffs across regulatory commitments, client demand, risk remediation, platform resiliency, modernization, revenue growth, and capacity constraints.
• Partner with technology, operations, risk, compliance, legal, sales, treasury management, client service, implementation, finance, data, and marketing teams to deliver secure, reliable scalable, and commercially viable payment solutions.
• Serve as the senior subject matter expert for ACH, domestic and international wires, payment controls, fraud mitigation, exceptions, returns, recalls, settlement, service messages, operational workflows, client impacts, and industry rules.
• Ensure products operate within U.S. Bank's risk appetite and applicable rules, including NACHA requirements, wire transfer obligations, sanctions screening, fraud controls, audit readiness, and broader banking risk management expectations.
• Represent the portfolio in senior leadership forums, product governance routines, client engagements, industry conversations, and cross-functional steering committees.
• Lead, coach, and develop a high-performing product team, creating clarity of ownership, strong product discipline, talent development, succession depth, and a collaborative culture aligned to U.S. Bank leadership expectations.

BASIC QUALIFICATIONS

• Typically 10 or more years of relevant experience in product management, payments, treasury management, transaction banking, financial services, or related roles.
• Bachelor's degree, or equivalent work experience.

PREFERRED SKILLS/EXPERIENCE

• Advanced product management or similar experience, including product strategy, product vision and planning, product development, channel alignment, customer experience, go-to-market enablement, performance measurement, and analytics.
• Direct experienc