Product Manager, Fiat & FCM

Crypto.com; San Francisco (CA); Hybrid; USD 180,000 - 260,000; Full time

Benefits offered by this job

401(k) plan with employer match

Health, dental, vision insurance

Work Flexibility - hybrid set-up

Internal mobility program

Job summary

Crypto.com is seeking a Product Manager, Fiat & FCM to own end-to-end fiat product strategy for its regulated US trading platform and FCM. You will oversee funding, settlement, and banking-rail strategies across cross-border rails, banks, and payment schemes to enable instant, compliant fund flows for retail, institutional, and private clients.

You will lead partnerships with banks, manage integration of rails (ACH, FedWire, SEPA where applicable), optimize acceptance rates, and drive

Qualifications

• Direct experience with a CFTC/NFA-regulated FCM or regulated trading platform.
• Deep knowledge of payment rails in multiple markets (US/SEPA).
• Experience with direct bank integrations and commercial partnerships.
• 7–10+ years in product leadership, esp. payment infrastructure or regulated trading products.

Responsibilities

• Own fiat funding and withdrawal experience for the FCM platform, including fund segregation and regulatory reporting.
• Select and integrate rails (ACH, FedWire, FedNow/RTP, SEPA) for speed and cost.
• Lead bank partnerships and technical integrations for direct relationships.
• Build and optimize global fiat infrastructure across markets and geographies.
• Drive latency and settlement efficiency; optimize onboarding and routing logic.

Skills

Regulated trading domain knowledge

Payment rails expertise

Bank partnerships

Leadership across time zones

API/data integration

Tools

Bank APIs

Job description

This is a mission-critical product leadership role at the heart of Crypto.com's regulated trading business. As Product Manager, Fiat & FCM, you will own the end-to-end fiat product strategy for our Futures Commission Merchant (FCM) and regulated US trading platform — the money-movement infrastructure that lets retail, private, and institutional clients fund and withdraw from a CFTC/NFA-regulated trading environment instantly, compliantly, and reliably.

FCM is one of Crypto.com's top growth priorities, and it's your anchor. But the mandate is broader: you'll own the banking-rail strategy that scales this model across markets and currencies, and over time, extends to Crypto.com's other business lines, defining which rails we use, which banks we partner with, how customer funds are segregated and settled, and how money moves in and out. You'll carry direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across the platform.

Our team is globally distributed across APAC, EU, and US time zones, so you'll need to be comfortable working across time zones and communicate effectively with globally distributed teams.

Responsibilities

• FCM Funding & Regulated Fund Handling Own the fiat funding and withdrawal experience for the FCM platform, including customer fund segregation, margin funding flows, and the operational data behind daily segregation computation and regulatory reporting
• Payment Rails Select and integrate rails based on speed, reversibility, and cost — ACH, FedWire, FedNow/RTP in the US, and SEPA / SEPA Instant / FPS and other schemes as the platform grows across markets and currencies
• Strategic Bank Partnerships Lead assessments, commercial negotiations, and technical integrations for direct bank relationships that can support a regulated trading entity — securing preferential rates, dedicated service levels, segregated-account structures, and custom solutions. Includes exposure to specialized charters (e.g. SPDI) where relevant
• Global Banking Network Build and optimize payment infrastructure across markets, ensuring maximum rail coverage and uptime for fiat access — extending the FCM funding model to additional geographies over time
• Speed & Latency Select and integrate payment rails based on transaction-speed requirements (T+0 vs T+1) to support instant trading activity and margin calls
• Liquidity & Settlement Structure banking partnerships to maintain near-zero-downtime liquidity for mass user pay-outs and high-frequency trading settlement
• Acceptance Rate Optimization Drive improvements in pay-in acceptance across card and bank-transfer channels by optimizing processor relationships, fraud rules, and compliance logic
• Payment Orchestration & Routing Design and own the logic for a dynamic routing engine that selects the optimal rail in real time based on user segment, jurisdiction, currency, speed, and risk profile
• Institutional On-Ramp Build compliant, scalable fiat solutions for institutional trading clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs

Requirements

• Direct experience with a CFTC/NFA-regulated FCM, futures broker, or regulated trading platform — including familiarity with customer fund segregation, margin funding, and regulatory fund-handling obligations
• Deep hands-on knowledge of payment rails across multiple markets — US (ACH, FedWire, FedNow/RTP) and ideally EU (SEPA, SEPA Instant) — including reversibility, settlement timing, and their trade-offs for a regulated trading business
• Experience with direct bank integrations (not just white-label PSPs) and commercial partnership negotiation; exposure to specialized banking charters (e.g. SPDI) a strong plus
• 7–10+ years of product leadership, with at least 7 focused on payment infrastructure, core banking, or regulated trading/brokerage products
• Demonstrated success building and scaling payment rails in a high-volume, real-time environment
• Track record of leading payment orchestration and dynamic routing logic in production
• Experience building fiat solutions for institutional clients (segregated accounts, wire processing, bulk APIs)
• Technical acumen across complex API products, data flows, and payment-protocol integrations
• Hands-on experience with core banking platforms and/or payment-scheme integrations (ACH, FedWire, SEPA, SWIFT, FPS, etc.)
• Able to work across APAC, EU, and US time zones and communicate effectively with globally distributed teams
• Strong people management — you develop and hold a high bar for your team
• Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership

Life @ Crypto.com

Empowered to think big. Try new opportunities while working with a talented, ambitious and supportive team.

Transformational and proactive working environment. Empower employees to find thoughtful and innovative solutions.

Growth from within. We help to develop new skill-sets that would impact the shaping of your personal and professional growth.

Work Culture. Our colleagues are some of the best in the industry; we are all here to help and support one another.

One cohesive team. Engage stakeholders to achieve our ultimate goal - Cryptocurrency in every wallet.

Work Flexibility Adoption. Flexi-work hour and hybrid set-up

Aspire career alternatives through us - our internal mobility program offers employees a new scope.

Benefits

Competitive salary

Attractive annual leave entitlement including: birthday, work anniversary

401(k) plan with employer match

Eligible for company-sponsored group health, dental, vision, and life/disability insurance

Work Flexibility Adoption. Flexi-work hour and hybrid set-up

Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.

Our Crypto.com benefits packages vary depending on region requirements, you can learn more from our talent acquisition team.

About Crypto.com

Founded in 2016, Crypto.com serves more than 150 million customers and is the world's fastest growing global cryptocurrency platform. Our vision is simple: Cryptocurrency in Every Wallet. Built on a foundation of security, privacy, and compliance, Crypto.com is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.

Learn more at https://crypto.com .

Crypto.comis an equal opportunities employer and we are committed to creating an environment where opportunities are presented to everyone in a fair and transparent way. Crypto.com values diversity and inclusion, seeking candidates with a variety of backgrounds, perspectives, and skills that complement and strengthen our team.

Please note that only shortlisted candidates will be contacted.