Product Manager, Fiat & FCM

As Product Manager, Fiat & FCM at Crypto.com, you own the end-to-end fiat product strategy for the Futures Commission Merchant (FCM) and regulated US trading platform. This mission-critical role sits at the heart of Crypto.com's regulated trading business, where you drive the money-movement infrastructure that lets retail, private, and institutional clients fund and withdraw from a CFTC/NFA-regulated trading environment instantly, compliantly, and reliably. FCM is one of Crypto.com's top growth priorities, and you'll extend this banking-rail strategy across markets and currencies to other business lines over time. You carry direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across the platform.

What you'll do

• 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.
• Select and integrate payment 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.
• Lead assessments, commercial negotiations, and technical integrations for direct bank relationships that support a regulated trading entity, securing preferential rates, dedicated service levels, segregated-account structures, and custom solutions, including exposure to specialized charters such as SPDI where relevant.
• 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.
• Select and integrate payment rails based on transaction-speed requirements (T+0 vs T+1) to support instant trading activity and margin calls.
• Structure banking partnerships to maintain near-zero-downtime liquidity for mass user payouts and high-frequency trading settlement.
• Drive improvements in pay-in acceptance across card and bank-transfer channels by optimizing processor relationships, fraud rules, and compliance logic.
• 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.
• Build compliant, scalable fiat solutions for institutional trading clients, including segregated bank accounts, high-value wire processing, and bulk payout APIs.

What you bring

• 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 payment service providers) and commercial partnership negotiation; exposure to specialized banking charters such as SPDI is a strong plus.
• 7 to 10+ years of product leadership, with at least 7 focused on payment infrastructure, core banking, or regulated trading and 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, including segregated accounts, wire processing, and bulk APIs.
• Technical acumen across complex API products, data flows, and payment-protocol integrations.
• Hands-on experience with core banking platforms and payment-scheme integrations such as ACH, FedWire, SEPA, SWIFT, and FPS.
• Ability to work across APAC, EU, and US time zones and communicate effectively with globally distributed teams.
• Strong people management with a track record of developing and holding a high bar for your team.
• Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.

What we offer

• Competitive salary
• Attractive annual leave entitlement including birthday and work anniversary
• 401(k) plan with employer match
• Eligible for company-sponsored group health, dental, vision, and life/disability insurance
• Flexible work hours and hybrid setup
• Internal mobility program offering diverse career alternatives

About Crypto.com

Founded in 2016, Crypto.com serves more than 150 million customers and is the world's fastest-growing global cryptocurrency platform. The company is committed to accelerating the adoption of cryptocurrency through innovation, built on a foundation of security, privacy, and compliance.