Digital Asset Senior Product Manager-Product Manager IV-Retail/Business Banking Digital Assets

Overview: The Digital Assets Senior Product Manager leads the strategy, development, and lifecycle management of stablecoin and other digital asset based payment and liquidity products for small business and retail clients of the bank. Designs product, and develops market strategies (i.e. advertising, pricing, expense planning, profit plans, packaging, future products etc.) and goals and assures successful implementation; monitors the achievement of such goals.

The Digital Assets Senior Product Manager collaborates across lines of business, IT, Operations, Risk, and key strategic external partners to deliver secure, scalable, and regulatory-compliant solutions. Primary

Responsibilities: Sets strategic direction for digital asset based products and services, and develop business case recommendations for investment to executive leaders. Evaluate market entry alternatives for digital assets including coin issuance, wallet management, B2B and cross-border payments, reserve management, and crypto settlement services.

Identify and explore market trends and emerging use cases for digital assets and payments as they relate to consumers and small businesses. Establish partnerships with important external entities in the digital asset sector to enhance the Bank's time-to-market and presence in potential business models. Oversee the design, development, deployment, and profitability of digital asset products in conjunction with other stakeholders throughout the Bank. .

Evaluate new product/services success; gather user feedback, implement and manage changes in service or marketing strategy. Provide insight and education on digital assets to senior business line leadership and colleagues to create awareness and inform product development strategies in related domains. Manage all aspects of new product implementation and existing product modification to include but not limited to the design and development of services, portfolio acquisition and process improvements; act in a liaison capacity with affected departments.

Establish marketing objectives; work with other bank departments to develop effective programs to sell services/products. Ensure product/services are marketable, profitable and comply with legal and regulatory requirements Maintain an awareness of new trends and developments in marketing and company products and services.

Develop and provide ongoing group and individual training for staff in regard to presentation skills, product knowledge and best practices and procedures. Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.

Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned.

Education and Experience Required: Bachelor's degree and a minimum of 3-6+ years of product management experience working in the fintech, payments, or blockchain/digital asset sectors ecosystem. Deep understanding of blockchain technology, stablecoin mechanics (issuance, redemption, collateralization), and smart contracts.

Strong knowledge of regulatory frameworks and compliance requirements for digital assets. Familiarity with stablecoin issuers (e.g., USDC, USDT), on-chain analytics, and interoperability protocols. Excellent communication, leadership, and cross-functional collaboration skills.

Ability to translate complex technical and regulatory concepts into user-centric solutions. OR in lieu of a degree, A combined minimum of 14 years' higher education and/or work experience, including a minimum of 10 years' proven marketing, product management, financial, operations and/or project management experience with a demonstrated focus on digital assets and emerging payments technologies.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $128,900.00 - $214,900.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.

Location Buffalo, New York, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people's lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York.

M&T's affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank's traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C.

For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities-combining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year.

Our core values - integrity, ownership, collaboration, curiosity, and candor - drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&T's Human Capital Report to learn more.

Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance.

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