Director – Senior Product Owner, European Payments – Liquidity, Funding and Payment Operations […]

We are seeking a Senior Product Owner to strategically develop RBC’s payment capabilities roadmap and map out associated infrastructure. The role supports the Liquidity, Funding and Payments (LF&P) team and aims to achieve Direct Clearer status for RBC in the Europe region and articulate a clear strategic growth plan.

What will you do?

• Define the product vision, roadmap, and operational strategy for GBP and EUR payments, including a phased expansion of capabilities across RBC’s operating segments.
• Work with internal and external partners to deliver on program objectives.
• Set strategic direction for settlement workflow design aligned with our 2030 Ambition, enabling unified product offerings and enhanced client value while building a resilient, future‑ready operating model.
• Ensure alignment with business objectives, regulatory requirements, and market infrastructure developments, and with the LF&P pillar structure supporting Capital Markets Treasury strategy.
• Partner with the Payments pillar lead and LF&P Operations leadership to embed product strategy within the four‑pillar operational structure, supporting treasury decision‑making, operational resilience, regulatory capital optimisation, and scaling objectives.
• Coordinate with Collateral and Cash pillars on integrated liquidity and funding strategies where payment operations intersect.

Must‑have qualifications

• Extensive experience in payments, settlement, or treasury operations.
• Deep knowledge of GBP payment rails, CREST, CHAPS, and settlement mechanisms.
• Deep knowledge of SEPA, Target 2 and other settlement mechanisms supporting the Euro markets.
• Experience with direct clearing, settlement processes, or payment infrastructure development.
• Familiarity with market infrastructure providers (Euroclear, Bank of England, European Central Bank, LCH, tri‑party providers).
• Strong understanding of EMIR, MiFID II, settlement regulations, and PSD2.
• Experience navigating regulatory certification processes (Euroclear, Bank of England, European Central Bank eligibility criteria).
• Knowledge of regulatory capital requirements and operational resilience standards.
• Proven track record as a Senior Product Owner or Head of Product in financial services.
• Experience developing multi‑phase product roadmaps and business cases.
• Ability to translate business strategy into operational implementation.
• Experience leading large, complex cross‑functional programs (technology, compliance, risk, operations).
• Stakeholder management across multiple divisions and external partners.
• Demonstrated ability to drive alignment and accountability in matrix organizations.

Nice‑to‑have qualifications

• Previous work with major financial institutions.
• Experience scaling payment operations across multiple divisions or geographies.
• Knowledge of Capital Markets operations and Wealth Management client requirements.
• Project management in highly regulated environments.

Skills & Competencies

• Knowledge of settlement workflows, liquidity management, and operational resilience frameworks.
• Understanding of capital markets infrastructure (derivatives, repo, financing platforms).
• Experience with payment position visibility and treasury decision‑making requirements.
• Process automation and systematic scaling experience.
• Track record of driving efficiency improvements (cost reduction, headcount optimisation).
• Strategic thinking and enterprise‑wide perspective.
• Relationship management with C‑suite and external infrastructure providers.
• Change management and stakeholder engagement across divisions.
• Comfortable with ambiguity and driving outcomes in complex environments.
• Results‑driven with focus on metrics‑based performance management.

What’s in it for you?

• A comprehensive Total Rewards Program including bonuses, flexible benefits and competitive compensation.
• Leaders who support your development through coaching and managing opportunities.
• Opportunities to work with the best in the field.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high‑performing team.
• A world‑class training program in financial services.

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