Product Manager

The Payments Product group manages and delivers payments products for the Bank's clients, including consumers, small businesses, corporate and institutional.

• Create product roadmaps for the Payments Products using industry trends, market research, Voice of Client feedback, and input from key stakeholders.
• Oversee planning, execution, and monitoring of strategic payment initiatives.
• Identify market trends, customer needs, and competitive landscape to drive product enhancements and innovations.
• Analyze and report on payments usage, trends and profitability.
• Serve as a Payments Subject Matter Expert for internal teams, including leading strategic planning for product direction and understanding the end-to-end customer experience for payments products.
• Work closely with Operations, IT and Digital Product Managers to deliver new functionality, enhancements and capabilities in the Payments space.
• Partner with product marketing and sales enablement to ensure market success for product launches and enhancements.
• Identify and partner with key vendors, fintechs, etc. to develop and expand the go-to market offerings.
• Partner with internal departments (compliance, legal, audit, credit and risk) to ensure that all product features and functionality meet company and regulatory standards.
• Engage with internal stakeholders, including Senior Management, Sales, Implementation and Customer Support, to understand their needs and align development initiatives.
• Ensure all internal and external product documentation and due diligence is current.

• Undergraduate degree and 7+ years of product management experience plus 5+ years of treasury and payments experience OR a comparable combination of education and experience.
• Experience gaining influence and cross‑functional consensus.
• Experience interpreting market and financial data to align strategies and build innovation around products and features.
• Strong analytical and problem‑solving abilities, with a data‑driven approach to decision‑making.
• A motivated and organized self‑starter mindset with strong attention to detail and ability to manage multiple priorities.
• Experience and understanding of Treasury Payments product use cases and back‑end functionality.
• Thorough understanding of emerging payment rails (RTP, Fed Now, etc.) and/or experience leading new payment rail initiatives.

• Hold certifications such as CTP, AAP, APRP, NCP, or AFPP.

UMB offers competitive and varied benefits to eligible associates, including Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company‑sponsored benefit plan covering medical, dental, vision, and other insurance; health savings and flexible spending accounts; dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund;

and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to  to let us know the nature of your request.