Senior Product Owner – Retirement Technology

Charles Schwab; Westlake (TX); On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

401(k) with company match

Employee stock purchase plan

Paid vacation & sabbatical after 5 yrs

Parental leave & family benefits

Tuition reimbursement

Health, dental, vision insurance

Job summary

Charles Schwab's Schwab Retirement Technologies is seeking an experienced Senior Product Owner with deep domain expertise in retirement recordkeeping systems and defined contribution plan administration.

This role will apply hands-on knowledge of retirement plan operations, participant transactions, and recordkeeping workflows to shape and deliver digital experiences for retirement plan participants, sponsors, and advisors.

Qualifications

• 7+ years in Product Owner/Management or Agile delivery with retirement recordkeeping domain
• Experience prioritizing backlogs in Agile environments with retirement dependencies
• Strong ability to translate plan rules and data into testable requirements
• Experience delivering participant-facing retirement web or mobile apps
• Balance strategic roadmap with day-to-day execution

Responsibilities

• Own and prioritize the Agile backlog for retirement participant experiences
• Translate plan provisions and business rules into user stories and acceptance criteria
• Collaborate with engineers, UX, architecture, and QA to deliver web/mobile experiences
• Lead participant web experiences, dashboards, and mobile app enhancements
• Identify pain points across enrollment, contributions, elections, loans, distributions
• Collaborate with clients, operations, compliance, and vendors to refine requirements
• Lead backlog refinement and sprint planning for predictable delivery
• Monitor product performance and servicing issues to drive improvements

Skills

Product Owner

Agile delivery

Backlog management

User stories

Retirement recordkeeping

Stakeholder collaboration

SAFe

PI Planning

Cross-functional teamwork

Tools

Jira

Confluence

Rally

Figma

Job description

Job Summary

Schwab Retirement Technologies is seeking an experienced Senior Product Owner with deep domain expertise in retirement recordkeeping systems and defined contribution plan administration. This role will apply hands-on knowledge of retirement plan operations, participant transactions, and recordkeeping workflows to shape and deliver digital experiences for retirement plan participants, sponsors, and advisors.

The Product Owner will partner closely with engineering, UX, architecture, and business stakeholders to translate retirement recordkeeping requirements, plan provisions, and participant needs into product priorities, actionable user stories, and acceptance criteria. The successful candidate will understand how recordkeeping data, transaction processing, and plan-specific rules influence participant web and mobile experiences, balancing strategic thinking with execution to deliver accurate, intuitive, and high-value retirement solutions.

What You'll Do

• Own, prioritize, and maintain the Agile team backlog for retirement participant digital experiences, aligning work to recordkeeping capabilities, participant needs, plan sponsor requirements, and product strategy.
• Translate retirement plan provisions, recordkeeping workflows, and business rules into user stories and acceptance criteria, including transaction eligibility, data accuracy, processing dependencies, and exception scenarios.
• Partner with engineers, architects, UX designers, and Scrum Masters to deliver high-quality web and mobile experiences integrated with retirement recordkeeping systems and supporting services.
• Lead participant web experience management, including plan-specific functionality, account information, and self-service journeys; support participant dashboard modernization and continued enhancement of the participant mobile application.
• Apply retirement recordkeeping domain knowledge during discovery to identify participant pain points and improvement opportunities across enrollment, contributions, investment elections, loans, distributions, and account servicing.
• Collaborate with clients, participants, retirement operations, compliance, and vendor partners to validate recordkeeping requirements, gather feedback, and incorporate insights into product decisions.
• Lead backlog refinement, sprint planning, and other Agile ceremonies while helping ensure predictable delivery and strong backlog health.
• Monitor participant digital product performance and recordkeeping-related servicing issues to identify enhancements that improve transaction clarity, self-service completion, and the overall participant experience.

Required Qualifications

• 7+ years of Product Owner, Product Management, Business Analysis, or related Agile delivery experience, including substantial hands-on experience with retirement recordkeeping systems and defined contribution retirement plans.
• Proven experience managing and prioritizing product backlogs in Agile environments, accounting for retirement recordkeeping dependencies, operational needs, and participant impact.
• Strong user story writing, requirements gathering, and backlog refinement skills, with demonstrated ability to translate retirement plan rules and recordkeeping processes into testable requirements.
• Experience delivering participant-facing retirement web or mobile applications, with an understanding of how recordkeeping data, plan configuration, and transaction processing shape the digital experience.
• Demonstrated ability to balance strategic roadmap planning with day-to-day execution responsibilities.
• Experience partnering closely with software engineers, architects, UX professionals, and QA teams throughout the product lifecycle.
• Strong communication and relationship-building skills with the ability to influence decisions without direct authority.
• Experience working in cross-functional environments where collaboration, ownership, and customer focus are critical to success.
• Strong working knowledge of defined contribution plan administration and core recordkeeping functions, including eligibility and enrollment, contribution sources, vesting, investment elections, loans, and distributions, and the ability to translate that knowledge into participant-focused product outcomes.

Preferred Qualifications

• Experience working directly for a retirement recordkeeper, third-party administrator, or retirement technology provider, supporting recordkeeping platforms and related operational workflows.
• Advanced knowledge of 401(k) administration, plan-specific configuration, and regulatory requirements affecting retirement recordkeeping and participant transactions.
• Experience managing retirement participant web experiences, including plan-level feature availability, participant communications, and end-to-end self-service transaction journeys.
• Experience working with mobile applications and responsive web platforms.
• Familiarity with Agile frameworks such as SAFe and participation in PI Planning activities.
• Experience collaborating with third-party vendors and external technology partners on integrations with retirement recordkeeping systems and participant-facing services.
• Understanding of customer journey mapping, digital experience design, and usability best practices.
• Experience using tools such as Jira, Confluence, Rally, and Figma.
• Demonstrated success owning retirement recordkeeping or participant digital products through modernization, transformation, or digital enhancement initiatives.

What's in it for you

At Schwab, you're empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration - so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance