The Product Associate will join the Liquidity Management team and support the strategy, development, and ongoing optimization of the bank’s core deposit and liquidity platform. This role partners closely with senior product managers and cross‑functional stakeholders to help execute against the product roadmap and deliver scalable, compliant, and client‑focused liquidity capabilities.
The Product Associate contributes across the end‑to‑end product lifecycle for demand deposit and interest‑bearing accounts and related capabilities, with a strong focus on execution, analysis, and coordination. This role provides hands‑on exposure to enterprise‑scale product management while building subject‑matter expertise in commercial liquidity and deposit solutions.
The ideal candidate is detail‑oriented, intellectually curious, and execution‑focused, with the ability to translate business needs into clear product requirements and support delivery across Technology, Treasury, Operations, Risk, and Sales.
Key ResponsibilitiesProduct Support & Strategy Execution
Support senior product managers in executing the strategic vision for the core liquidity and deposit product suite. Contribute to product strategy materials, business cases, and roadmap documentation. Assist in identifying new capabilities, enhancements, and use cases based on client needs, market trends, and regulatory considerations. Develop foundational subject‑matter expertise in commercial deposit and liquidity capabilities to support internal analysis and discussions. Help ensure product capabilities align with evolving client expectations, liquidity objectives, and regulatory requirements.
Execution & Delivery
Support delivery of product enhancements, platform initiatives, and technology upgrades. Assist with backlog management by documenting requirements, user stories, and acceptance criteria. Coordinate with technology and delivery teams to track progress, dependencies, and risks. Support KTLO activities, testing, and release readiness. Analyze product performance, client feedback, and operational data to inform continuous improvement.
Cross‑Functional Collaboration
Partner with stakeholders across Technology, Operations, Treasury, Risk, Legal, Compliance, Sales, Relationship Management, and Analytics to support product initiatives. Help coordinate cross‑functional working sessions, meetings, and deliverables related to product changes. Serve as a point of coordination to ensure alignment across teams during execution.
Operational Support, Risk & Governance
Support stable day‑to‑day product operations by helping track and resolve product issues and inquiries. Assist with documentation, controls, and governance artifacts related to product changes. Partner with Risk, Legal, and Compliance teams to support adherence to regulatory and risk frameworks. Support vendor‑related coordination and documentation as needed.
2–4 years of experience in product management, business analysis, treasury management, commercial banking, or a related field. Exposure to commercial deposit products, liquidity solutions, or treasury management systems is preferred. Strong analytical, organizational, and communication skills, with the ability to work effectively in a matrixed, cross‑functional environment. Bachelor’s degree required.
Hours & Work Schedule40 hours per week, Monday through Friday.
Pay TransparencyThe salary range for this position is $90,000 – $115,000 per year, plus eligibility for an annual discretionary bonus. Actual compensation is based on work location, skills, and experience. Citizens offers competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, paid parental leave, flexible work arrangements, education reimbursement, wellness programs, and more. Citizens’ paid time off policy exceeds mandatory state and local requirements. For an overview of benefits, visit https://jobs.citizensbank.com/benefits.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
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Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
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As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. We invest in the humans who build the logic, ideas, and innovations that bring new technologies to life. Investments in AI, cloud computing, machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security, learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation
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