ACH Product Lead, US Domestic Payments - SVP

Citi is looking for a senior product leader to drive the commercialization and expansion of its ACH franchise within the US Domestic Payments business — a top 4 ACH originator in the US market and a recognized industry leader in cash management and treasury solutions. In this role, you will shape product strategy, accelerate go-to-market execution, and lead cross-functional delivery to grow one of Citi's most strategically important payments capabilities. You will sit within the Services organization, working at the intersection of product, technology, operations, and client coverage to deliver measurable business impact.

Responsibilities

• Lead the development and refinement of ACH product strategy, including go-to-market approach and delivery model, in close partnership with global and regional product teams.

• Drive the end-to-end planning and launch of new ACH capabilities and functionalities, coordinating across technology, operations, implementations, and regional teams to ensure timely, cost-effective, and high-quality delivery.

• Partner with Finance to evaluate product investment decisions and maintain oversight of revenue, expenditure, and benefits realization.

• Collaborate with Coverage teams to develop a deep understanding of client needs and translate those insights into actionable product improvements.

• Build and execute action plans in response to client feedback, partnering with cross-functional teams to implement solutions that strengthen the client experience.

• Represent Citi at industry forums, external working groups, and market events, contributing payments thought leadership that advances the firm's position in the US domestic payments landscape.

• Shape Citi's external payments narrative by developing informed perspectives on market evolution, regulatory change, and emerging payment technologies, and communicating these to clients, partners, and industry peers.

• Monitor competitive dynamics, emerging market trends, and new technologies to inform product positioning and strategic priorities.

• Ensure all product documentation and governance processes meet required standards, maintaining rigorous compliance with applicable policies and regulatory obligations.

Required Qualifications & Skills

• 10 or more years of experience in electronic banking channels, with solid knowledge of corporate banking practices in the cash management space.

• Demonstrated ability to manage product delivery across complex, cross-functional environments involving technology, operations, and client-facing teams.

• Experience evaluating product investments and working with finance partners to track revenue performance and expenditure.

• Ability to translate client and market insights into clear product strategies and prioritized delivery plans.

• Skilled at navigating senior stakeholder relationships and influencing decisions across multiple functions and geographies.

• Takes full ownership of outcomes — sets direction independently, drives work to completion without close oversight, and holds self accountable for results.

• Operates with a strong execution mindset, managing competing priorities effectively and consistently delivering high-quality work to deadline.

• Exposure to business analysis, data analysis, and system analysis in a product or banking context.

• Bachelor's degree or equivalent university-level qualification.

Beneficial Skills & Qualifications

• Master's degree in a relevant field such as business, finance, or technology.

• Familiarity with ACH payment rails, US domestic payment infrastructure, or broader payments industry dynamics.

• Experience representing an organization externally through industry bodies, working groups, or client-facing thought leadership.

• Experience working within large, matrixed financial institutions across global and regional product teams.

What We Offer

Joining Citi's Payments business means working at the center of one of the most ambitious growth agendas in the industry. As a top 4 ACH originator in the US, Citi is investing significantly in expanding its payments capabilities — and this role places you at the heart of that expansion, with real ownership, strategic influence, and the scale of a global financial institution behind you.

• A high-visibility leadership role with direct influence over Citi's ACH growth strategy and commercialization agenda.

• A platform to shape payments thought leadership externally, engaging with industry bodies, clients, and market participants at the forefront of US payments innovation.

• Hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable and productive work rhythm.

• Access to Citi's global network of payments and product professionals, enabling cross-regional collaboration and knowledge exchange.

• Opportunities for ongoing professional development and career progression within one of the world's leading financial services organizations.

• Competitive compensation and a comprehensive benefits package, including financial wellbeing and family support programs.

• A performance-driven environment where your decisions and delivery have measurable impact on clients and the business.

Apply now to take ownership of a market-defining product agenda and help shape the future of US domestic payments at Citi.

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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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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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