Senior Manager, Cross-Border Deposit Products

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Senior Manager, Cross-Border Deposit Products

senior · Retail & Commercial Banking

Job Description

What is the Opportunity?

The Senior Manager, Cross border Deposit Products is responsible for the suite of deposit products across product strategy, pricing, and profit & loss management. Own the suite of deposit products across chequing, CDs, and money market products. The role provides senior level product management and oversight of the deposit portfolio collaborating with other product team members, Marketing, Digital, Assisted Channels, and Operations to ensure appropriate alignment, prioritization and execution against the desired end state and outcomes. Proactively identifies and prioritizes product innovation opportunities, portfolio monitoring activities, and pricing opportunities to drive growth of the portfolio.

What will you do?

• Lead RBC Bank Deposits Portfolio Management: Oversee deposit product portfolio across  chequing, CDs, and money market products with full P&L and pricing accountability for strategy, execution, performance, risk management, and forecasting.

• Design Client-Centric Strategies: Deeply understand client pain points, competitive landscapes, and market trends to create differentiated value propositions that drive portfolio growth and satisfaction.

• Drive Cross-Functional Collaboration: Partner with Digital, Assisted Channels, Operations, Risk, Digital, Marketing, and Technology teams to align on shared goals and optimize experiences.

• Execute Strategic Roadmaps: Translate vision into actionable plans with defined KPIs, MVPs, A/B testing, segmentation of offers, hypothesis-based validation, and iterative launches, ensuring profitability and risk mitigation.

• Develop Financial Business Cases: Analyze market insights, validate demand, engage external partners, and collaborate with marketing to assess viability and recommend enhancements.

• Own End-to-End Risk Management: Manage reputational, regulatory, and strategic risks; lead fraud prevention and mitigation strategies with Risk, Legal, and Compliance teams.

• Lead Cross-Functional Initiatives: Act as accountable owner for deposit product portfolio in product initiatives, formulating strategic recommendations and optimizing P&L impact.

• Monitor Industry & Competitor Trends: Benchmark portfolio performance, maintain awareness of economic trends, and manage product impact through regular industry analysis.

What do you need to succeed?

Must-have:

• 7–10 years of experience in product management including pricing, P&L, product strategy & innovation

• Deep expertise owning and driving growth in everyday banking products such as deposit products

• Strong financial acumen to analyze revenue/cost levers and set balance growth, revenue, and profitability targets.

• Experience developing business cases and conducting risk assessments to drive prioritization and execution decisions

• Demonstrated ability to identify, evaluate, and champion innovative product solutions / value proposition to enhance portfolio performance

• Deep understanding of Canadian banking culture and cross-border client needs.

• Exceptional influence and communication skills to align stakeholders outside direct control.

• Bachelor’s degree in Business, Finance, or a related field.

Nice-to-have:

• Masters in Business Administration

• Advanced skills in data analytics and digital enablement strategies.

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program include competitive compensation and flexible benefits, such as pension program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.

• Leaders who support your development through coaching and managing opportunities

• Ability to make a difference and lasting impact

• Work in a dynamic, collaborative, progressive, and high-performing team

• Opportunities to do challenging work

• Opportunities to build close relationships with clients

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Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.