Director - Payment Services Product Owner, Digital Channel Solutions

Job Summary• Own the strategy, value proposition, roadmap and prioritised backlog for the Financial Institutions post-payment experience across S2B Digital channels, covering payment tracking, notifications, enquiries and investigation case management.• Lead execution of an omnichannel post-initiation proposition built around three client promises: See Everything, Act Intelligently and Resolve Faster, using SWIFT GPI, ISO 20022 and SWIFT Case Management-aligned capabilities.• Deliver measurable FI client and business outcomes by improving payment transparency, accelerating exception resolution, reducing avoidable investigations and manual effort, strengthening data quality and compliance outcomes, and enabling adoption across correspondent banks, custody banks, broker-dealers and payment intermediaries.Key ResponsibilitiesPost Payment Digital Product strategy and proposition• Define and own the FI post-payment product strategy, proposition architecture, roadmap, OKRs and investment priorities across payment tracking, proactive notifications, enquiry and investigation case management.• Translate the client promises of See Everything, Act Intelligently and Resolve Faster into sequenced capabilities, target client journeys and measurable outcomes.• Maintain alignment with the SWIFT GPI, ISO 20022 and Case Management roadmap while balancing client demand, regulatory commitments, operational readiness and commercial value.Execution and end-to-end delivery• Lead delivery from discovery, client validation and business case through requirements, architecture, build, testing, rollout, go-to-market and post-launch optimisation.• Orchestrate a single-source-of-truth experience across S2B Web, API/webhooks, H2H, SWIFT FINplus and internal service tooling, with consistent status, case and notification data.• Own backlog decisions, acceptance criteria, dependency management, release governance, control evidence and production verification across channel, payment, operations and data components.• Shape phased adoption paths for portal-first, API-first, SWIFT-native and full-omnichannel FI clients, including readiness testing, implementation guidance and rollout by corridor or client priority.Client, operational and commercial outcomes• Partner with FI Product and Sales, TB Sales, Cash Operations, Servicing and Implementation teams to validate client pain points and convert them into differentiated journeys and adoption plans.• Define baselines and success measures for investigation resolution time, case volumes, manual touchpoints, notification timeliness, reconciliation efficiency, client adoption and service outcomes.• Use GPI, Case, ISO 20022, Channel and Client-feedback data to identify recurring failure patterns and prioritise upstream prevention, service improvement and commercialisation opportunities.• Build product positioning, client collateral, pilot propositions and management reporting that connect delivery milestones to client value, flow retention and business value.Cross-functional leadership• Lead a matrix squad spanning product, design, technology, architecture, operations, data/AI, implementation, servicing, compliance and financial crime risk.• Drive decisions across channel and core-payment boundaries, clarify ownership, manage interdependencies, and communicate scope, timing, risks and trade-offs to senior stakeholders.• Establish client and frontline feedback loops, early-adopter governance and operational readiness so proposition design, technology delivery and service execution evolve together.Risk, data and service governance• Ensure the proposition meets legal, regulatory, data protection, cyber, operational resilience, model-risk, financial crime and conduct requirements.• Govern ISO 20022 data integrity, structured reason codes, access controls, audit trails, notification accuracy, case SLAs and release exceptions across all channels.• Partner with Operations, CFCC, Compliance, Risk and Technology to define controls for AI-enabled forecasting, pattern detection, recommended actions and client-facing explanations, with appropriate human oversight and escalation.• Monitor delivery and service risks, remediate control gaps, and ensure changes are supported by procedures, training, implementation materials and post-go-live verification.Motivations• Creating a market-relevant FI proposition that replaces post-payment opacity with real-time, structured and actionable transparency.• Solving complex cross-bank payment and investigation problems where client experience depends on coordinated channel, payment, operations, data and risk change.• Turning SWIFT GPI, ISO 20022 and case data into measurable improvements in exception prevention, resolution speed, client adoption and service value.Our Ideal Candidate• 10+ years of transaction banking, financial-institutions payments, digital channels, cash management, correspondent banking or payment operations experience.• Strategic planning and execution in a matrix organisation. Demonstrated ownership of product strategy and execution for payment journeys, payment tracking, notifications, servicing, enquiries or investigations.• End-to-end product development and release governance, including requirements, solution review, testing, deployment and post-go-live verification.• Strong working knowledge of SWIFT GPI, CBPR+ / ISO 20022 MX messages, Payment tracking and structured payment or case data; experience with SWIFT Case Management and camt.110 / camt.111 is highly relevant.• Experience delivering integrated propositions across client portal, API/webhooks, H2H and SWIFT channels, including client implementation and operational readiness.• Proven ability to lead complex end-to-end delivery across channel, core payments, operations, architecture, data, cyber, compliance and financial crime stakeholders.• Experience defining value propositions, OKRs, business cases, pilot or early-adopter programmes, go-to-market plans and adoption metrics for FI clients.• Ability to use payment, case, channel and client-insight data to identify root causes, prioritise prevention opportunities and measure service outcomes.• Experience governing data quality, case SLAs, auditability, model or analytics outputs, release controls and client-facing communications in a regulated environment.• Strong client-facing experience and strong written, verbal and senior-management presentation capability• Certifications / Qualifications (only where mandatory): No mandatory certification specified.• A background in business, finance, payments, Computer Science, data or Software Engineering is relevant; equivalent transferable experience should also be considered.• Product management, Agile, SWIFT, ISO 20022 or data/AI qualifications are advantageous where supported by practical delivery experienceRole Specific Technical Competencies• FI Payments & Correspondent Banking• Post-Payment Product Strategy & Commercialisation• SWIFT GPI, ISO 20022 & Case Management• Product Strategy, Roadmap & OKRs• Agile Product Ownership & Backlog Management• Transaction Banking, Cash & Digital Channels• Omnichannel Product Architecture: Web, API, H2H & SWIFT & ISO 20022 Integration• Enquiry, Investigation & Service Operations• Payments Data, Analytics & AI Product Management, Customer Insight & Journey Optimisation• End-to-End Product Delivery, Governance & Stakeholder Leadership• Stakeholder Management, Influence & CommunicationAbout Standard CharteredWe're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.What We Offer• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.• Flexible working options based around home and office locations, with flexible working patterns.• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.Visit our careers website to learn more about us: www.sc.com/careers.Recruitment AssessmentsSome of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.