Product Manager, Fiat & FCM

As Product Manager, Fiat & FCM at Crypto.com, you own the end-to-end fiat product strategy for our Futures Commission Merchant (FCM) and regulated US trading platform. 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 your mandate extends to defining the banking-rail strategy that scales this model across markets and currencies, determining which rails we use, which banks we partner with, how customer funds are segregated and settled, and how money moves in and out. 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, including 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 and 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 pay-outs 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 pay-out 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.
• 7 to 10+ years of product leadership, with at least 7 years 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 and ability to develop and maintain a high bar for your team.
• Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.

Nice to have

• Exposure to specialized banking charters such as SPDI.

What we offer

• Competitive salary
• Medical insurance package with extended coverage to dependents
• Attractive annual leave entitlement including birthday and work anniversary leave
• Flexible work hours and hybrid or remote work setup
• Internal mobility program offering diverse career opportunities
• Crypto.com Visa card provided upon joining

About Crypto.com

Founded in 2016, Crypto.com serves more than 80 million customers and is the world's fastest-growing global cryptocurrency platform. Built on a foundation of security, privacy, and compliance, Crypto.com is committed to accelerating cryptocurrency adoption through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.