The Role
Own the fiat product strategy and money-movement infrastructure for Crypto.com's regulated FCM and US trading platform. Lead payment-rail selection, bank partnerships, fund segregation, liquidity and settlement structures, payment orchestration, routing, acceptance-rate optimization, and institutional fiat solutions. Drive global expansion across markets and currencies while ensuring regulatory compliance, high uptime, fast settlement, and cost efficiency. Manage stakeholders and teams across APAC, EU, and US time zones.
Summary Generated by Built In
The project management and delivery team ensures the success of delivering high quality product offerings all across our platforms. We work with various stakeholders to tackle blockers, manage the timeline and enhance the existing workflow and tools to acheive release efficiency across all products launch.
About the Role
This is a mission-critical product leadership role at the heart of Crypto.com's regulated trading business. As Product Manager, Fiat & FCM, you will own the end-to-end fiat product strategy for our Futures Commission Merchant (FCM) and regulated US trading platform — 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 it's your anchor. But the mandate is broader: you'll own the banking-rail strategy that scales this model across markets and currencies, and over time, extends to Crypto.com's other business lines, defining which rails we use, which banks we partner with, how customer funds are segregated and settled, and how money moves in and out. You'll carry direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across the platform.
Our team is globally distributed across APAC, EU, and US time zones, so you'll need to be comfortable working across time zones and communicate effectively with globally distributed teams.
Responsibilities
- FCM Funding & Regulated Fund Handling 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.
- Payment Rails Select and integrate 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.
- Strategic Bank Partnerships 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. Includes exposure to specialized charters (e.g. SPDI) where relevant.
- Global Banking Network 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.
- Speed & Latency Select and integrate payment rails based on transaction-speed requirements (T+0 vs T+1) to support instant trading activity and margin calls.
- Liquidity & Settlement Structure banking partnerships to maintain near-zero-downtime liquidity for mass user pay-outs and high-frequency trading settlement.
- Acceptance Rate Optimization Drive improvements in pay-in acceptance across card and bank-transfer channels by optimizing processor relationships, fraud rules, and compliance logic.
- Payment Orchestration & Routing 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.
- Institutional On-Ramp Build compliant, scalable fiat solutions for institutional trading clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.
Requirements
- 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 PSPs) and commercial partnership negotiation; exposure to specialized banking charters (e.g. SPDI) a strong plus.
- 7–10+ years of product leadership, with at least 7 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.
- Hands-on experience with core banking platforms and/or payment-scheme integrations (ACH, FedWire, SEPA, SWIFT, FPS, etc.).
- Able to work across APAC, EU, and US time zones and communicate effectively with globally distributed teams.
- Strong people management — you develop and hold a high bar for your team.
- Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.
Life @ Crypto.com
Empowered to think big. Try new opportunities while working with a talented, ambitious and supportive team.
Transformational and proactive working environment. Elevate employees to find thoughtful and innovative solutions.
Growth from within. We help to develop new skill-sets that would impact the shaping of your personal and professional growth.
Work Culture. Our colleagues are some of the best in the industry; we are all here to help and support one another.
One cohesive team. Engage stakeholders to achieve our ultimate goal - Cryptocurrency in every wallet.
Are you ready to kickstart your future with us?
Benefits
Competitive salary
Medical insurance package with extended coverage to dependents
Attractive annual leave entitlement including: birthday, work anniversary
Work Flexibility Adoption. Flexi-work hour and hybrid or remote set-up
Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.
Work Perks: crypto.com visa card provided upon joining
Our Crypto.com benefits packages vary depending on region requirements, you can learn more from our talent acquisition team.
About Crypto.com:
Founded in 2016, Crypto.com serves more than 80 million customers and is the world's fastest growing global cryptocurrency platform. Our vision is simple: Cryptocurrency in Every Wallet™. Built on a foundation of security, privacy, and compliance, Crypto.com is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem.
Learn more at https://crypto.com.
Crypto.com is an equal opportunities employer and we are committed to creating an environment where opportunities are presented to everyone in a fair and transparent way. Crypto.com values diversity and inclusion, seeking candidates with a variety of backgrounds, perspectives, and skills that complement and strengthen our team.
Personal data provided by applicants will be used for recruitment purposes only.
Please note that only shortlisted candidates will be contacted.
Skills Required
- Direct experience with a CFTC/NFA-regulated FCM, futures broker, or regulated trading platform, including customer fund segregation, margin funding, and regulatory fund handling
- Hands-on knowledge of payment rails across multiple markets, including ACH, FedWire, FedNow/RTP, and ideally SEPA or SEPA Instant
- Experience with direct bank integrations and commercial partnership negotiations
- Exposure to specialized banking charters such as SPDI
- 7-10+ years of product leadership experience, including at least 7 years focused on payment infrastructure, core banking, or regulated trading products
- Experience building and scaling payment rails in a high-volume, real-time environment
- Experience leading payment orchestration and dynamic routing logic in production
- Experience building fiat solutions for institutional clients, including segregated accounts, wire processing, and bulk payout APIs
- Technical acumen across complex APIs, data flows, and payment-protocol integrations
- Hands-on experience with core banking platforms or payment-scheme integrations such as ACH, FedWire, SEPA, SWIFT, or FPS
- Ability to work across APAC, EU, and US time zones with globally distributed teams
- Strong people management skills
- Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership
Crypto.com Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Crypto.com and has not been reviewed or approved by Crypto.com.
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Fair & Transparent Compensation — Pay is considered market‑competitive in select engineering, product, trading, compliance, and senior roles, with external postings and salary snapshots indicating strong bands in some geographies. Standout offers appear at higher levels, reinforcing that top‑of‑band packages are attainable in certain teams.
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Healthcare Strength — Benefit descriptions include medical, dental, and vision coverage across U.S. roles. Core health insurance is presented as part of a standard modern fintech package alongside other essentials.
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Leave & Time Off Breadth — Benefit materials reference PTO, sick time, and attractive annual leave with additional days for occasions. Time‑off provisions are positioned as a consistent element of the offering, with regional variation.
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The Company
What We Do
Crypto.com was founded in 2016 on a simple belief: it's a basic human right for everyone to control their money, data and identity. Crypto.com serves over 10 million customers today, with the world’s fastest growing crypto app, along with the Crypto.com Visa Card — the world’s most widely available crypto card, the Crypto.com Exchange and Crypto.com DeFi Wallet.
