Job Description

About the Role

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This is a mission-critical product leadership role at the heart of Crypto.com's global trading engine. As Product Director, Core Banking & Payments, you will own the end-to-end product strategy for fiat pay-in (deposits) and pay-out (off-ramp) capabilities — the infrastructure that enables millions of Retail, Private, and Institutional clients to move money in and out of the platform, instantly, globally, and reliably.

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You will define where we build, which rails we use, which banks we partner with, and how we route transactions — with direct accountability for Total Funds Flow, acceptance rates, settlement speed, and cost-per-transaction across every market we operate in. This role reports to the VP of Product, Banking.

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Responsibilities

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Global Banking Network

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- Build and optimize cross-border payment infrastructure across all markets, ensuring maximum rail coverage and uptime for fiat access.
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Speed & Latency

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- Select and integrate payment rails based on transaction speed requirements (T+0 vs T+1) to support instant trading activities.
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Liquidity & Settlement

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- Structure banking partnerships to maintain zero (or near-zero) downtime liquidity for mass user pay-outs and high-frequency trading settlement.
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Acceptance Rate Optimization

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- Drive meaningful improvements in pay-in acceptance across credit card, debit card, and bank transfer channels by optimizing processor relationships, fraud rules, and compliance logic.
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Strategic Bank Partnerships

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- Lead commercial negotiations and technical integrations for direct bank relationships — securing preferential rates, dedicated service levels, and custom solutions tailored to trading businesses.
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Payment Orchestration & Routing

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- 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.
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Institutional On-Ramp

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- Build compliant and scalable fiat payment solutions for institutional clients — including segregated bank accounts, high-value wire processing, and bulk pay-out APIs.
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Requirements

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- 7–10+ years of product leadership experience, with at least 7 years focused on payment infrastructure or core banking products
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- Demonstrated success building and scaling cross-border payment rails in a high-volume, real-time environment
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- Experience with direct bank integrations (not just white-label PSPs) and commercial partnership negotiation
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- Track record of leading payment orchestration and dynamic routing logic in production
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- Experience building fiat solutions for institutional clients (segregated accounts, wire processing, bulk APIs)
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- Background in or significant exposure to trading, exchange, or fintech environments
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- Technical acumen across complex API products, data flows, and payment protocol integrations
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- Hands-on experience with core banking platforms and/or payment scheme integrations (SWIFT, SEPA, FPS, ACH, etc.)
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- Experience integrating with bank partners, PSPs, and acquiring processors
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- Strong people management capabilities — you develop and hold a high bar for your team
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- Excellent stakeholder management across engineering, legal, compliance, finance, and senior leadership
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Life @ Crypto.com

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Empowered to think big. Try current opportunities while working with a talented, ambitious and supportive team.

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Transformational and proactive working environment. Elevate employees to find thoughtful and innovative solutions.

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Growth from within.



We help to develop new skill-sets that would impact the shaping of your personal and professional growth.

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Work Culture. Our colleagues are some of the best in the industry; we are all here to help and support one another.

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One cohesive team. Engage stakeholders to achieve our ultimate goal - Cryptocurrency in every wallet.

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Are you ready to kickstart your future with us?

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Advantages

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- Competitive salary
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- Medical insurance package with extended coverage to dependents
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- Attractive annual leave entitlement including: birthday, work anniversary
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- Work Flexibility Adoption. Flexi-work hour and hybrid or remote set-up
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- Aspire career alternatives through us. Our internal mobility program can offer employees a diverse scope.
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- Work Perks: crypto.com visa card provided upon joining
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- Our Crypto.com benefits packages vary depending on region requirements, you can learn more from our talent acquisition team.
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About Crypto.com:

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Founded in 2016, Crypto.com serves more than 150 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.

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Learn more at https://crypto.com.

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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.

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Personal data provided by applicants will be used for recruitment purposes only.

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📌 Product Director, Core Banking and Payments (Victoria)
🏢 Crypto.com
📍 Victoria