Product Manager, Fiat & FCM

About the role

In this role, you will be responsible for the fiat product strategy for Crypto.com's Futures Commission Merchant (FCM) and regulated trading platform. Your work will focus on enhancing the payment infrastructure and banking partnerships to ensure compliance and operational efficiency.

You will manage the entire fiat funding and withdrawal experience, including customer fund segregation and regulatory reporting. This role requires a strategic mindset to build and optimize payment infrastructure across various markets, ensuring a seamless user experience.

The salary range for this position is between $170,000 and $220,000, reflecting the seniority and expertise required.

Skills that matter here

• payment infrastructure: The role demands deep knowledge of payment rails and experience in building scalable solutions in a regulated trading environment.
• stakeholder management: Strong stakeholder management skills are necessary to coordinate across engineering, legal, compliance, and finance teams.

Who this role suits

• A candidate with a strong background in regulated trading platforms.
• Someone who excels in high-pressure environments and can manage complex projects.
• An individual who is comfortable working across different time zones and cultures.
• A leader who values team development and maintains high standards.

From the employer

Responsibilities

• FCM Funding & Regulated Fund Handling

Own the fiat funding and withdrawal experience for the FCM platform, including customer fund segregation, margin funding flows, and the operational data behind daily segregation computation and regulatory reporting.

• Payment Rails

Select and integrate rails based on speed, reversibility, and cost — ACH, FedWire, FedNow/RTP in the US, and SEPA / SEPA Instant / FPS and other schemes as the platform grows across markets and currencies.

• Strategic Bank Partnerships

Lead assessments, commercial negotiations, and technical integrations for direct bank relationships that can support a regulated trading entity — securing preferential rates, dedicated service levels, segregated-account structures, and custom solutions. Includes exposure to specialized charters (e.g. SPDI) where relevant.

• Global Banking Network

Build and optimize payment infrastructure across markets, ensuring maximum rail coverage and uptime for fiat access — extending the FCM funding model to additional geographies over time.

• Speed & Latency

Select and integrate payment rails based on transaction-speed requirements (T+0 vs T+1) to support instant trading activity and margin calls.

• Liquidity & Settlement

Structure banking partnerships to maintain near-zero-downtime liquidity for mass user pay-outs and high-frequency trading settlement.

• Acceptance Rate Optimization

Drive improvements in pay-in acceptance across card and bank-transfer channels by optimizing processor relationships, fraud rules, and compliance logic.

• Payment Orchestration & Routing

Design and own the logic for a dynamic routing engine that selects the optimal rail in real time based on user segment, jurisdiction, currency, speed, and risk profile.

• Institutional On-Ramp

Build compliant, scalable fiat solutions for institutional trading clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.

Requirements

• Direct experience with a CFTC/NFA-regulated FCM, futures broker, or regulated trading platform — including familiarity with customer fund segregation, margin funding, and regulatory fund-handling obligations.
• Deep hands-on knowledge of payment rails across multiple markets — US (ACH, FedWire, FedNow/RTP) and ideally EU (SEPA, SEPA Instant) — including reversibility, settlement timing, and their trade-offs for a regulated trading business.
• Experience with direct bank integrations (not just white-label PSPs) and commercial partnership negotiation; exposure to specialized banking charters (e.g. SPDI) a strong plus.
• 7–10+ years of product leadership, with at least 7 focused on payment infrastructure, core banking, or regulated trading/brokerage products.
• Demonstrated success building and scaling payment rails in a high-volume, real-time environment.
• Track record of leading payment orchestration and dynamic routing logic in production.
• Experience building fiat solutions for institutional clients (segregated accounts, wire processing, bulk APIs).
• Technical acumen across complex API products, data flows, and payment-protocol integrations.
• Hands-on experience with core banking platforms and/or payment-scheme integrations (ACH, FedWire, SEPA, SWIFT, FPS, etc.).
• Able to work across APAC, EU, and US time zones and communicate effectively with globally distributed teams.
• Strong people management — you develop and hold a high bar for your team.
• Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.

Benefits

• Competitive salary
• Attractive annual leave entitlement including: birthday, work anniversary
• 401(k) plan with employer match
• Eligible for company-sponsored group health, dental, vision, and life/disability insurance
• Work Flexibility Adoption. Flexi-work hour and hybrid set-up
• Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.