Senior Product Manager, Cash Products

RBC Capital Markets, LLC; Charlotte (NC); On-site; USD 90,000 - 160,000; Full time

Job summary

RBC Capital Markets, LLC in Charlotte, NC, seeks a Senior Product Manager for Cash Products to evolve RBC Wealth Management-US’s cash suite. You will own end-to-end product responsibility for Debit Cards, Checks, and Wires, delivering a private-banking style digital experience for HNW/UHNW clients.

You will define multi-year roadmaps, benchmark against competitors, and translate regulatory demands into actionable stories while collaborating with Legal, Risk and engineering teams to ensure

Qualifications

• Bachelor's degree in finance, business or related field.
• 7+ years in Product Management, within Wealth Management, Private Banking, or Consumer Digital Banking.
• Deep understanding of payment rails (ACH, Fedwire, SWIFT) and the lifecycle of debit card processing.
• Experience working in an Agile environment with engineering to deploy APIs and microservices.
• Proven track record delivering high-end digital experiences for wealth clients; simplicity is a luxury.
• Exceptional ability to influence senior leadership (Director/MD levels) and present trade-offs clearly.

Responsibilities

• Define the multi-year roadmap for operational cash, prioritizing features that reduce friction in moving and spending money.
• Benchmark cash products against competitors and fintechs to ensure a market-leading experience.
• Advocate for Total Wealth visibility, enabling cash view/movement across brokerage and banking accounts.
• Lead delivery of new banking features, modernizing Wires and Digital Debit Card management.
• Own the lifecycle of Check-related services, including remote deposit capture and digital check ordering/management.
• Translate regulatory/compliance requirements into intuitive user stories and specs.
• Partner with Consumer Digital Product teams to leverage rails while tailoring UI/UX for Wealth clients.
• Collaborate with Legal, Risk, Compliance to meet AML/KYC standards for money-movement features.
• Work with Financial Advisors to gather feedback and empower the advisor-client relationship.
• Define and track North Star metrics (Cash-to-AUM, digital adoption, debit card interchange).
• Use client analytics to identify pain points in the money-movement funnel.

Skills

Product Management

Payments rails

Agile methodologies

Stakeholder influence

Digital banking

Education

Bachelor's degree in finance, business or related field

Job description

Job Description

What is the opportunity?

The Senior Product Manager for Cash Products will lead the evolution of RBC Wealth Management-US's cash management suite. The focus of this role will be to provide high-net-worth (HNW) and ultra-high-net-worth (UHNW) clients with a seamless, "private bank" digital experience that allows clients to manage their operational cash with the same sophistication as their investment portfolios. This role will have end-to-end product responsibility for Debit Cards, Checks, and Wires, ensuring these foundational banking services are integrated into a modern, consumer-grade digital ecosystem. The incumbent of this role will bridge the gap between traditional wealth management services and cutting-edge consumer digital banking.

What will you do?

• Define the multi-year roadmap for operational cash at RBC Wealth Management-US, prioritizing features that reduce friction in moving and spending money
• Benchmark RBC's cash products against both traditional competitors and fintech disruptors to ensure a market-leading client experience
• Advocate for "Total Wealth" visibility, ensuring clients can view and move cash across brokerage and banking accounts effortlessly
• Lead the delivery of new banking features, specifically focusing on the modernization of Wires (domestic and international) and Digital Debit Card management (instant issuance, spend controls)
• Own the lifecycle of Check-related services, including remote deposit capture and digital check ordering/management
• Translate complex regulatory and compliance requirements into intuitive user stories and technical specifications
• Partner with Consumer Digital Product teams to leverage enterprise-level banking rails while customizing the UI/UX for the specific needs of Wealth Management clients
• Collaborate with Legal, Risk, Compliance and other key internal partners to ensure all money-movement features meet stringent anti-money laundering (AML) and "Know Your Customer" (KYC) standards
• Work closely with Financial Advisors to gather feedback and ensure digital tools empower the advisor-client relationship
• Define and track North Star metrics, such as Cash-to-AUM ratios, digital adoption rates for wire transfers, and debit card interchange revenue
• Utilize client analytics to identify pain points in the money-movement funnel and iterate on the user experience

What do you need to succeed?

Must-have

• Bachelor's degree in finance, business or related field
• 7+ years in Product Management, specifically within Wealth Management, Private Banking, or Consumer Digital Banking
• Deep understanding of payment rails (ACH, Fedwire, SWIFT) and the lifecycle of debit card processing and physical/digital check issuance
• Experience working in an Agile environment, collaborating directly with engineering teams to deploy APIs and microservices
• A proven track record of delivering high-end digital experiences; you understand that for a wealth client, "simple" is a luxury
• Exceptional ability to influence senior leadership (Director/MD levels) and present complex product trade-offs clearly

What's in it for you?

• 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.

Job Skills

Communication, Critical Thinking, Group Problem Solving, Knowledge Organization, Long Term Planning, Product Development Lifecycle, Product Manufacturing, Product Services, Product Testing, Waterfall Model

Additional Job Details

Address: 6000 FAIRVIEW ROAD:CHARLOTTE

City: Charlotte

Country: United States of America

Work hours/week: 40

Employment Type: Full time

Platform: WEALTH MANAGEMENT

Job Type: Regular

Pay Type: Salaried

Posted Date: 2026-09-09

Application Deadline: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At 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.

The expected salary range for this particular position is $90,000-$160,000, (Minneapolis) 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 culture
• Enables collective achievement of our strategic goals
• Generates sustainable shareholder returns and above market shareholder value