(Senior) Product Manager, Fiat & FCM

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.

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