Product Owner - Digital Cash & Tokenized Payments

Posted 24 Days Ago
Hiring Remotely in United States
Remote
8-8 Annually
Senior level
Financial Services
The Role
Lead the design and development of digital cash and tokenized payment solutions, collaborating with stakeholders to shape compliant digital payment infrastructures.
Summary Generated by Built In
We are seeking a forward-thinking Product Owner to lead the design and development of digital cash, programmable payments, and tokenized deposit solutions aligned with identity-first, compliance-embedded digital value systems. This role sits at the intersection of financial regulation, distributed ledger technology (DLT), and programmable finance.

You will drive products that enable real-time, programmable, and compliance-first digital payments across multi-bank, government, and enterprise ecosystems. Working closely with engineering, compliance, regulatory, and business teams, you’ll shape the future of regulated digital value infrastructure.

*Travel required
*No C2C

Responsibilities

  • Own the product roadmap and feature definition for digital cash and tokenized payment instruments issued by regulated banks and institutions.
  • Collaborate with internal stakeholders and clients (banks, central banks, ministries) to translate market needs into configurable, scalable solutions.
  • Design user journeys for use cases such as wage protection, government disbursements, cross-border settlements, and CBDC interoperability.
  • Develop detailed product specs for features like: Identity-linked wallets; Multi-tenant architecture; Purpose-bound programmable money; Compliance rule engines; Wallet management, access control, and auditability.
  • Translate emerging regulatory requirements (e.g., GENIUS Act, VARA, MAS sandbox) into embedded compliance logic.
  • Coordinate with engineering on API-first integration with banking systems, payment rails, and national ID/KYC databases.
  • Define KPIs for product usage, compliance adherence, and ecosystem interoperability.

Required Experience

  • 8+ years in product management, with 4+ years focused on financial services, payments, or blockchain-based infrastructure.
  • Proven experience with tokenized deposits, stablecoins, or digital cash systems, preferably within multi-stakeholder ecosystems.
  • Familiarity with permissioned DLTs, identity vaults, multi-token support, and compliance-by-design frameworks.
  • In-depth understanding of AML/KYC flows, programmable payments, and wallet infrastructure.
  • Experience engaging with financial regulators, legal teams, and cross-functional delivery squads.
  • Strong understanding of payment infrastructure (ACH, ISO 20022, RTP, SEPA) and integration patterns.

Preferred Experience

  • Experience with wage protection systems, government disbursements, or CBDC pilots.
  • Knowledge of multi-tenant financial architectures and embedded compliance engines.
  • Technical fluency with token standards (e.g., ERC-20, ERC-4626), API design, and identity-based architecture.
  • Ability to manage product delivery across different regulatory environments (UAE, Singapore, U.S., EU).

McLaren Strategic Solutions is a leading-edge global technology consulting firm, addressing critical challenges across industries such as retail, financial services, and healthcare. Integrating a powerful ecosystem of platforms with capital-efficient execution, McLaren specializes in digital transformation to help businesses optimize operations, accelerate revenue, and achieve scalable outcomes. McLaren’s expertise spans the development of customer-centric applications, modernizing systems for cost-effectiveness and security, and leveraging cloud scalability for future-ready architectures. With a deep commitment to operational excellence, McLaren provides comprehensive managed services, including application maintenance, cybersecurity, platform solutions, and AI-optimized operations, ensuring seamless, secure, and efficient performance.

From supply chain automation to compliance and analytics, McLaren drives measurable impact: improving workforce productivity, reducing inventory costs, and cutting technology ownership expenses. With its emphasis on automation and zero business downtime, McLaren facilitates seamless migrations from legacy systems to modern platforms, enabling organizations to harness the full potential of digital transformation. Backed by strategic partnerships and a proven delivery model, McLaren empowers clients to innovate, modernize, and achieve lasting success in today’s digital economy.

McLaren is a certified minority owned business through the NMSDC and has a mission to place more people from non-traditional backgrounds into sustainable technology careers. Through partnerships with non-profit technology programs in underserved communities and Veteran organizations, candidates transition from tech training programs into real IT careers at McLaren. Our unique recruitment policy allows us to create exceptional teams, bringing a broad spectrum of experience to our company and creating anything but a traditional consulting firm.

Visit McLaren Strategic Solutions to learn more!

Doran Jones Inc. is proud to be part of the McLaren Strategic Ventures Group.

Top Skills

Aml
Api Design
Dlt
Kyc
Programming Languages
Tokenized Payments
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The Company
HQ: Charlotte, NC
52 Employees
Year Founded: 2010

What We Do

Doran Jones Inc. (DJI) is the leading financial services Data Engineering and Application Development firm, specializing in Capital Markets, Risk, and Regulatory Compliance. We are US-based, helping our clients fill gaps in capacity and expertise, reduce risk, and accelerate change. Our leaders average over 25 years of experience in Financial Services and Technology. DJI is repeatedly engaged by the largest and most complex clients for our Agile transformation expertise and practical understanding of the critical relationship between data, architecture, and application development.

DJI has a mission to place more people from non-traditional backgrounds into sustainable technology careers. Through partnerships with non-profit technology programs in underserved communities and Veteran organizations, candidates transition from tech training programs into real IT careers at DJI. Our unique recruitment policy allows us to create exceptional teams, bringing a broad spectrum of experience to our company and creating anything but a traditional consulting firm.

DJI is a wholly-owned subsidiary of McLaren Strategic Ventures, a private equity firm, that invests in start-ups and scale-ups. They provide a full range of highly trusted domain consulting, advisory services, and innovative technologies globally. Doran Jones is able to offer a broad range of technology, deeper AI and machine learning tools, data intelligence, alternative resourcing capabilities, and capital access to invest and digitize at scale. Our clients benefit from this unique portfolio allowing them to accelerate the pace of their own digital transformations through innovative products and services designed around industry-wide issues.

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