(Senior) 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. 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 your mandate extends beyond it: you own the banking-rail strategy that scales this model across markets and currencies, and over time, extends to other Crypto.com business lines. 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 across US (ACH, FedWire, FedNow/RTP), EU (SEPA, SEPA Instant, FPS), and other schemes as the platform grows
• Define and own the API surface for institutional and partner integrations, including API specs, sandbox environments, onboarding flows, and ongoing support for enterprise clients
• 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
• Build and optimize payment infrastructure across markets, ensuring maximum rail coverage and uptime for fiat access as you extend the FCM funding model to additional geographies
• 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 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
• Experience building and launching scalable B2B API products, including API specs, developer-facing documentation, onboarding flows, and working with enterprise clients on integration requirements
• 7 to 10+ years of product management, with at least 5 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
• 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 hold 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
• Flexible work hours and hybrid or remote setup options
• Internal mobility program offering diverse career alternatives
• 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 and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.