Experience Owner – Digital Assets & Tokenized Payments

Experience Owner – Digital Assets & Tokenized Payments

Role Overview

The Experience Owner – Digital Assets & Tokenized Payments plays a hands‑on role in building and commercializing Citizens’ digital asset, stablecoin, and tokenization capabilities across Commercial Banking and Wholesale Payments. Reporting to the SVP, Digital Asset Delivery Lead, this role owns day‑to‑day product execution—translating emerging digital asset use cases into secure, scalable, bank‑grade solutions.

Working at the intersection of on‑chain technologies and core banking platforms, you’ll partner closely with engineering, risk, operations, and commercial teams to take ideas from concept through production in a regulated environment. This role is ideal for a delivery‑oriented product leader who is comfortable operating in ambiguity and shaping new capabilities.

What You’ll Do

• Own product delivery for digital asset and tokenization initiatives from pilot through production readiness
• Translate use cases (tokenized deposits, stablecoin settlement, on‑chain payments, programmable money) into clear epics, stories, and outcomes
• Serve as product owner for assigned workstreams, leading backlog prioritization, sprint planning, and releases
• Partner closely with engineering teams building APIs, smart contracts, and core ledger integrations
• Coordinate across business, technology, risk, legal, compliance, and operations to embed governance and controls early
• Proactively manage risks, dependencies, and trade‑offs to maintain delivery momentum and quality
• Ensure solutions meet security, resiliency, compliance, and operational standards
• Contribute to the evolution of Citizens’ digital asset operating model and scalable delivery patterns

What You Bring

Required

• 5+ years in product management, product ownership, business analysis, or agile delivery within financial services, fintech, or payments
• Experience working with or alongside digital asset, blockchain, tokenization, or emerging payments technologies
• Strong Agile/Scrum experience, including managing backlogs and delivering through two‑week sprints
• Proven ability to write high‑quality user stories and collaborate across engineering, business, and control teams
• Comfort operating in fast‑moving, evolving environments
• Bachelor’s degree required; advanced degree a plus

Preferred

• Experience in regulated banking, payments, treasury services, or capital markets
• Familiarity with stablecoins, tokenized deposits, or programmable payments
• Experience integrating new platforms with core banking systems or payment rails
• CSPO or similar agile certification

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday

Location Options:

Competitive candidates must be prepared to work on site in one of our corporate offices including

• NYC - 437 Madison Ave
• Stamford, CT - 600 Washington Blvd

Pay Transparency 

The salary range for this position is $123,000 - $150,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits
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Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.