Crypto.com

Cryptocurrency trading and wallet platform

Product Manager - Fiat & FCM

Technical Product ManagementConfirmed live in the last 24 hours

Full-timeNo salary listedHybrid

About the Job

Requirements

Direct experience with a CFTC/NFA-regulated futures commission merchant (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, including U.S. rails (ACH, FedWire, FedNow/RTP) and ideally European rails (SEPA, SEPA Instant), with understanding of reversibility, settlement timing, and trade-offs for regulated trading businesses.
Experience with direct bank integrations and commercial partnership negotiation; exposure to specialized banking charters such as SPDI is a plus.
Experience building and launching scalable B2B API products, including API specifications, developer-facing documentation, onboarding flows, and enterprise client integration requirements.
7–10+ years of product management experience, with at least 5 years 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, including segregated accounts, wire processing, and bulk APIs.
Technical acumen across complex API products, data flows, and payment-protocol integrations.
Ability to work across APAC, EU, and U.S. time zones and communicate effectively with globally distributed teams.
Strong people management, including developing the team and holding it to a high bar.
Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership.

Responsibilities

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 U.S., and SEPA, SEPA Instant, FPS, and other schemes as the platform expands across markets and currencies.
Define and own the API surface for institutional and partner integrations, including API specifications, sandbox environments, onboarding flows, and ongoing support for enterprise client integrations.
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; work with specialized charters such as SPDI where relevant.
Build and optimize payment infrastructure across markets to ensure broad rail coverage and uptime for fiat access, extending the FCM funding model to additional geographies over time.
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 dynamic payment-routing logic 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.
Own end-to-end fiat product strategy for the FCM and regulated U.S. trading platform, including banking-rail strategy across markets and currencies, bank selection and partnerships, customer-fund segregation and settlement, and money movement.
Take direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost per transaction across the platform.
Work across time zones with globally distributed teams.

Desired Qualifications

Exposure to specialized banking charters such as SPDI.
Experience with European payment rails, including SEPA and SEPA Instant.

Our Product Management team drives product initiatives from inception through execution, makes impacts and launches products/features across our global footprint. We collaborate closely with engineers, designers, analysts, marketers, and other cross-functional team members to ship remarkable features and products.

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

B2B API & Developer Platform: Define and own the API surface for institutional and partner integrations - including API specs, sandbox environments, onboarding flows, and ongoing support for enterprise client integrations

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

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

Experience building and launching scalable B2B API products - including API specs, developer-facing documentation, onboarding flows, and working with enterprise clients on integration requirements

7–10+ 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

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.

About the Company

Crypto.com

Cryptocurrency trading and wallet platform

Crypto.com operates a digital finance platform that enables trading and managing cryptocurrencies, and also offers card issuance and other financial products for individuals and institutions. It works by providing a crypto trading platform, a wallet-like experience, and card services, supported by fees from trades and premium products, with additional revenue from card issuance and related services. The company differentiates itself through a strong emphasis on regulatory compliance, security, and privacy certifications, aiming to handle large user volumes and deliver a trusted, secure user experience. Its goal is to accelerate the adoption of cryptocurrency and place Cryptocurrency in Every Wallet, building a fairer and more inclusive digital ecosystem.

Company size: 5,001-10,000
Company stage: Growth Equity (Venture Capital)
Total funding: $453.7M
Headquarters: Central and Western District, Hong Kong
Founded: 2016

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