Senior Quality Delivery Product Manager

The Grade 8 Senior Product Manager supports the development and delivery of product strategy, performance, customer experience, risk management, and continuous improvement for assigned U.S. Consumer Deposits products and capabilities. As part of the Product Delivery Quality team, the role also supports cross-product quality and risk activities, including complaint management, customer remediation, and resolution of operational or technical issues. This position will have a particular focus on holds and funds availability, serving as a knowledgeable resource who analyzes performance and customer outcomes, recommends policy and process improvements, and partners with cross-functional stakeholders to enhance automated decision rules.

The role applies product-management discipline, sound independent judgment, and data-driven insights to deliver business priorities while meeting customer, operational, risk, and regulatory expectations.

** Key Accountabilities*
* + Develop and support strategies, plans, and roadmaps for Holds & Funds Availability, aligned with business/risk objectives and customer experience goals

+ Monitor product performance, customer behavior, financial results, operational outcomes, risk indicators, complaint trends, and market developments to identify issues and recommend actions.

+ Lead or support initiatives from concept through implementation, including business cases, requirements, prioritization, testing, readiness, communications, change management, and post-implementation review.

+ Provide strategic direction and business leadership for technical initiatives affecting deposit products, processes, controls, and customer outcomes.

+ Partner across Consumer Deposits, Fraud, Risk, Compliance, Legal, Deposit Operations, Digital, ATM, financial centers, Technology, Customer Care, and other stakeholders to deliver product, risk, and process improvements.

+ Serve as a key subject-matter resource for holds and funds availability, including related policies, processes, controls, customer impacts, and regulatory requirements.

+ Analyze hold activity, release timing, overrides, losses, complaints, exceptions, and channel outcomes to identify patterns, root causes, and opportunities for improvement.

+ Recommend enhancements to holds and funds availability policies and processes, balancing customer access, fraud and credit risk, operational feasibility, and regulatory requirements.

+ Develop business requirements and partner with Technology and other stakeholders to improve and maintain the automated holds rules engine and related decision logic.

+ Support complaint management by analyzing customer feedback, identifying systemic themes, coordinating responses to complex or escalated matters, and translating findings into corrective actions.

+ Lead or support customer monetary remediations, including issue assessment, impact analysis, remediation planning, stakeholder coordination, customer communications, execution oversight, and closure documentation.

+ Support risk identification, issue management, and remediation activities for assigned deposit products and capabilities, including root-cause analysis and sustainable corrective actions.

+ Support governance, issue resolution, reporting, and stakeholder forums for assigned products and capabilities, including holds and funds availability.

+ Translate complex product, policy, regulatory, technical, and analytical information into clear recommendations, communications, procedures, and training materials.

+ Take measured risks while protecting the bank by applying BMO's Risk Management Framework, Risk Culture, approved Risk Appetite, policies, standards, procedures, laws, and regulations.

** Required Qualifications*
* + Typically 5 to 7 years of relevant product management, banking, financial-services, deposit operations, risk, compliance, technology, or related experience.

+ Post-secondary education in business, finance, analytics, technology, or a related field, or an equivalent combination of education and experience.

+ Strong knowledge of product management practices, including strategy, performance management, requirements, implementation, and ongoing optimization.

+ Strong working knowledge of checking and savings products, the broader retail deposit portfolio, related operational processes, and customer and risk considerations.

+ Experience using data to identify trends, evaluate trade-offs, isolate root causes, and recommend product, policy, process, control, or…