Product Owner - Current Accounts & Payments in City of London

Location: London (Oxford Circus) Hybrid: 1–2 days per week in the office

About Monument Technology Limited

Monument Technology provides everything needed to build and run a bank with an open, configurable, end-to-end, banking platform as a service which uses best-in-class components to empower small and medium-sized banks around the world to thrive in the digital age. Our platform is a full-stack ‘bank or building-society-in-a-box’, delivering all the functionality needed to run and grow a modern, digital-led financial institution, including native mobile app and web experience, servicing, core and all the back-end technologies, integrated in a single, cloud-native solution (“Bank-in-a-Box”).

We are looking for a Product Owner to take end-to-end ownership of the Current Accounts & Payments domain across the Monument Technology platform. You will work directly with banks and building societies to understand their requirements, shape product solutions and drive delivery of current account, debit card and payments capabilities across our platform.

You will be the subject matter expert for payment rails including FPS, CHAPS, SWIFT and SEPA, translating complex client and regulatory requirements into scalable platform functionality. Responsibilities include:

• Own the product vision, roadmap and backlog for Current Accounts & Payments across the Monument Technology platform.
• Translate business, operational and regulatory requirements into clear user stories, acceptance criteria and delivery-ready specifications.
• Drive the implementation and evolution of payment rails including FPS, CHAPS, SWIFT and SEPA.
• Define and deliver current account and debit card capabilities that are scalable, configurable and suitable for multiple client environments.
• Work closely with engineering teams throughout the development lifecycle, providing clarity, prioritisation and product direction.
• Balance client-specific requirements with long-term platform scalability and product consistency.
• Partner with Compliance, Risk and client stakeholders to ensure regulatory considerations are embedded within product design.
• Support client onboarding and implementation activities, ensuring successful delivery of product capabilities into production.
• Continuously evaluate market trends, customer feedback and industry developments to inform product priorities and roadmap decisions.

Requirements:

• 10+ years’ experience as a Product Owner, Product Manager or Senior Business Analyst within fintech or financial services.
• Hands-on experience delivering payment rail implementations including FPS, CHAPS, SWIFT and SEPA.
• Deep understanding of current accounts, debit card products, payments processing and operational servicing.
• Proven experience owning and managing product backlogs within Agile and Scrum environments.
• Ability to create detailed front-end and back-end specifications that support successful product delivery.
• Experience working within FCA and PRA regulated environments or alongside regulated financial institutions.
• Strong understanding of product delivery processes, balancing commercial priorities, customer requirements and technical constraints.
• Experience with Mambu, Salesforce Financial Services Cloud, ClearBank, Open Banking, PSD2, credit cards, FX, savings products, lending products or broader banking platform implementations would be advantageous.

Our culture and values align with our mission to truly understand and offer exceptional service to our clients. The Monument Technology team is passionate about building more than a bank and more than a technology platform. We are guided by integrity, attentiveness, a sense of community and innovation. Through inclusive thinking and purposeful innovation, we enable our clients and colleagues to achieve more.