Product Owner - Current Accounts & Payments

Role: Product Owner – Current Accounts & Payments

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. Monument Technology takes the proven, end to end platform developed for Monument Bank, the leading bank for the mass affluent, and makes it available to financial institutions in the UK and globally as a licensed Banking Platform as a Service.

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”).

Monument Technology provides everything in one solution, taking care of all third-party contracts and integrations as well as ongoing maintenance and future platform enhancements - all for one annual licence fee, allowing our customers to embrace the most modern technology available, without any of the complexity.

THE ROLE

We are looking for a Product Owner to take end-to-end ownership of the Current Accounts & Payments domain across the Monument Technology platform.

This is a senior product role with significant autonomy and visibility across both our engineering organisation and client base. 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. Working closely with Engineering, Architecture, Delivery and Client teams, you will own the backlog, define priorities and ensure product outcomes are delivered successfully.

HOW YOU’LL MAKE AN IMPACT

• Own the product vision, roadmap and backlog for Current Accounts & Payments across the Monument Technology platform.
• Lead client discovery workshops to identify requirements, pain points and opportunities for product enhancement.
• 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.
• Collaborate with architects and platform specialists to ensure product decisions align with the wider technology strategy.
• 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.

WE LOOK FOR PEOPLE WITH

• 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.
• Strong client-facing experience, including requirements gathering, workshop facilitation and stakeholder management.
• 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.
• Ability to operate independently and drive outcomes in a fast-paced, scaling organisation.

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.

You demonstrate strong product judgement, excellent communication skills and the ability to navigate complex stakeholder environments. You are comfortable working through ambiguity, making informed decisions and taking ownership of delivery outcomes from discovery through to production.

OUR CULTURE AND VALUES

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 driven to create solutions that respect our clients’ time, complexity and ambition.

We are guided by integrity, attentiveness, a sense of community and innovation. We build trusted relationships through collaboration, attention to detail and a commitment to continuous improvement. Through inclusive thinking and purposeful innovation, we enable our clients and colleagues to achieve more.