Core Accounts Transformation Product Owner, SVP

Role Summary

The SVP, Core Accounts Transformation Product Owner, defines and drives the strategy, execution, and performance of Core Accounts capabilities, with primary accountability for transaction processing, end-of-day (EOD) orchestration, reconciliation, and global deposit insurance and protection compliance.

This role leads large-scale global transformation initiatives, including defining the strategy and roadmap, while delivering resilient, compliant, and data-driven processing and control capabilities aligned with business, operational, and regulatory priorities.

Key Responsibilities

Strategic Product Leadership

• Define and execute the vision and strategy for Core Accounts capabilities, including transaction processing, end-of-day processing, reconciliation, and virtual wallet services, ensuring scalability, resiliency, and control.
• Manage overall product portfolio performance, with a focus on processing efficiency, reconciliation accuracy, in addition to regulatory compliance outcomes.
• Develop and maintain forward-looking roadmaps aligned to enterprise architecture, regulatory requirements (including deposit protection regimes), and client needs.

Transformation Execution & Delivery

• Lead end-to-end execution of transformation programs focused on modernizing transaction processing, EOD orchestration, and reconciliation capabilities across regions.
• Provide oversight across segment product owners, central program teams, and regional stakeholders to ensure alignment, delivery accountability, and consistency of processing and control frameworks globally.
• Drive development and implementation of product constructs supporting the full account lifecycle, including real-time and batch processing, EOD close, data distribution, and reconciliation workflows.

Product Development & Data-Driven Innovation

• Translate complex data attributes, transaction flows, and operational processes into robust product capabilities supporting high-volume processing and accurate reconciliation.
• Partner with technology and architecture teams to modernize platforms, including processing engines, data models, reconciliation tooling, and controls frameworks.
• Ensure data lineage, traceability, and integrity across transaction processing and reconciliation to support internal controls and regulatory requirements.

Risk, Governance & Financial Management

• Ensure compliance with global deposit insurance and protection regulations, including alignment to jurisdictional requirements (e.g., FDIC, FSCS, and other regimes as applicable).
• Maintain robust control frameworks for transaction processing, EOD balancing, and reconciliation accuracy, including oversight of breaks, exceptions, and remediation.
• Proactively assess and manage risks related to processing failures, reconciliation breaks, and regulatory exposure.

Cross-Functional Leadership & Influence

• Lead collaboration across technology, operations, legal, risk, and compliance teams to deliver end-to-end processing and control solutions.
• Build alignment across stakeholders on standardized global processing models, reconciliation frameworks, and deposit protection approaches.
• Serve as a senior point of accountability for transformation of core processing and data distribution.

Leadership Capabilities

• Strategic Product Leadership: Drives transformation of core processing, EOD, and reconciliation capabilities aligned to business and regulatory priorities.
• Operational & Control Excellence: Ensures robust, scalable transaction processing and reconciliation frameworks with strong risk and control foundations.
• Cross-Functional Influence: Aligns global stakeholders to deliver standardized, compliant, and resilient processing solutions.

Qualifications

• 10–15+ years of relevant experience in product management, product development, and/or transaction banking, with demonstrated success operating at scale in complex, global organizations.
• Proven ability to define, own, and execute product strategy, driving measurable business outcomes across product portfolios.
• Demonstrated experience leading large-scale transformation initiatives, including platform modernization and product rationalization.
• Strong business acumen, with experience managing product performance, delivering on time and on budget.
• Deep domain expertise in core accounts, payments, liquidity, or transaction banking, with the ability to translate client, market, and regulatory needs into scalable product solutions.

Education

• Bachelor’s/University degree required
• Master’s degree (e.g., MBA) or equivalent experience preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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