Head of Digital Banking & Payments

First Farmers and Merchants Bank; Columbia (TN); On-site; USD 120,000 - 180,000; Full time

Job summary

The Director of Digital Banking at First Farmers and Merchants Bank leads the strategic direction for digital channels, payments capabilities, and related risk management. You will partner across technology, operations, compliance, and senior leadership to deliver an exceptional customer experience.

You will oversee online and mobile banking, bill pay, real-time payments, and digital account opening. You will drive roadmaps, transformation initiatives, and ensure regulatory and security

Qualifications

• Five years to eight years of similar or related experience.
• Bachelor's degree in business, Information Technology, Finance, Banking, or related field.
• Knowledge of project management, product development, technology delivery, financial services operations, or related work.
• Experience leading cross-functional initiatives, digital improvements, customer-focused enhancements, and analytics efforts.
• Strong knowledge of digital technologies, website and mobile application management, analytics, reporting, project management, vendor management, stakeholder influence, communication, strategic thinking, and problem solving.
• Experience in ACH (Automated Clearing House) electronic payment processing.
• Experience in banking regulations, risk management, information security, authentication, and customer awareness practices.

Responsibilities

• Develop and execute digital banking priorities, roadmaps, and transformation initiatives.
• Lead digital banking systems, digital payment operations, audits and examinations, due diligence, and business continuity planning.
• Oversee online and mobile banking, bill pay, mobile deposit, digital account opening, debit card controls, ACH origination, Treasury Management support, real-time payments, FedNow, and related digital banking services.
• Lead the Bank's payments strategy, including the evaluation, implementation, and ongoing oversight of digital payment products, services, and emerging payment technologies. Drive the adoption of innovative payment solutions, including real-time payments, digital wallets, account-to-account payments, and other evolving payment capabilities to enhance customer experience, operational efficiency, and competitive positioning.
• Manage enhancements, upgrades, launches, platform performance, and consistent experiences across channels.
• Improve customer journeys, usability, satisfaction, and engagement.
• Monitor industry trends, emerging technologies, and competitive developments to support business objectives.
• Collaborate with marketing, operations, and IT to deliver customer-centered digital solutions.
• Lead cross-functional digital projects, coordinating stakeholders, timelines, budgets, risk management, and deliverables through successful implementation.
• Analyze digital performance, customer behavior, and operational data to recommend improvements and report results to leadership.
• Ensure digital platforms meet regulatory, privacy, security, risk, business continuity, incident response, and customer awareness requirements in partnership with Compliance, Risk Management, and Information Security.
• Lead team members, foster innovation and continuous improvement, and promote collaboration across the organization.
• Performs other duties as assigned.

Skills

Digital banking leadership

Cross-functional leadership

Analytics & reporting

Project management

Vendor management

Regulatory & risk management

Information security awareness

ACH payments

Strategic thinking

Education

Bachelor's degree in business, Information Technology, Finance, Banking, or related field

Job description

The Director of Digital Banking at First Farmers and Merchants Bank leads the strategic direction for digital channels, payments capabilities, and related risk management. You will partner across technology, operations, compliance, and senior leadership to deliver an exceptional customer experience.

You will oversee online and mobile banking, bill pay, real-time payments, and digital account opening. You will drive roadmaps, transformation initiatives, and ensure regulatory and security