Head of Commercial Digital Channels & Client Integrations

POSITION: Head of Commercial Digital Channels & Client Integrations

Position Summary:

At Cambridge Savings Bank, our purpose is to have a positive impact on our customers, employees, and community's financial well-being. We are committed to exceeding expectations and having a strong commitment to diversity.We're seeking a proven Head of Commercial Digital Channels & Client Integrations to own the strategy, roadmap, and delivery of our Commercial digital channels and client integration solutions, including the commercial online banking platform, secure file transmission/host-to-host, client-facing APIs, ERP/TMS integrations and connectors, and client connectivity/onboarding tooling. The Head of Commercial Digital Channels & Client Integrations will drive end-to-end product outcomes-balancing security and regulatory requirements with usability and speed-while partnering across technology, operations, info security, risk/compliance, sales, implementations, and client success.

This role is ideal for a strategic product leader with 10+ years of treasury management experience in a product management role with a strong technology background and a demonstrated track record of execution skills. Deep understanding of the fintech and payments space is critical.

Key Result Areas:

* Own multi-year strategy and OKRs for online banking, file transmission services, APIs, and ERP/TMS connectivity.

* Build and manage a data-driven roadmap balancing client value, risk, resiliency, and ROI.

* Define and track product KPIs (adoption, onboarding cycle time, revenue enablement, etc.).

* Lead product direction for client onboarding and connectivity: SFTP/host-to-host, ERP connectors, file mapping, and format standards (NACHA, ISO 20022, SWIFT MT/MX, BAI2, EDI 820).

* Partner with corporate clients to develop custom integration solutions.

* Work closely with fintechs, and ERP/TMS providers (SAP, Oracle, Microsoft Dynamics, NetSuite, Coupa, Kyriba, GTreasury) to define repeatable integration patterns, reference architectures, and playbooks.

* Lead strategy for client and user entitlements across various Treasury Management solutions and platforms.

* Manage all aspects of BAU enhancements, including UAT testing, client-facing collateral updates, training, client communications, and internal communications.

* Enhance core experiences across payments (ACH, wires, RTP/FedNow where applicable), liquidity, reporting, entitlements, approvals, alerts, and audit trails.

* Embed risk and regulatory requirements into product design.

* Champion segregation of duties, role-based entitlements, dual approval, and auditability throughout the client journey.

* Develop pricing/packaging, value narratives, and GTM plans in partnership with Sales and Marketing.

* Responsible for product P&L.

* Lead client migrations off legacy platforms and drive adoption of modern APIs and ISO 20022 capabilities.

* Enable internal teams with training, collateral, demos, FAQs, and implementation guides.

* Lead cross-functional working groups; manage third-party vendors/fintechs and platform partnerships.

* Represent the bank with key clients and at industry forums as the subject-matter expert

* Perform additional duties as required

Qualifications:

* 10+ years combined product management experience in commercial banking, fintech, or payments.

* Proven ownership of digital channels (online banking, file transmission, APIs) from concept to scale.

* Deep fluency in payment rails (ACH, Fedwire, SWIFT; plus RTP/FedNow a plus) and file/data standards (NACHA, ISO 20022 pain/camt, SWIFT MT/MX, BAI2, EDI 820).

* Practical knowledge of security & identity (TLS, SSH, PGP/GPG, OAuth 2.0, mTLS, SAML/SSO, MFA) and user entitlements.

* Experience integrating with ERP/TMS ecosystems and/or Payments-as-a-Service

* Strong API product skills: developer portals, documentation, SDKs, versioning, SLAs, analytics, rate limiting, and deprecation.

* Comfortable partnering with Risk, Compliance, InfoSec, and Audit; strong control mindset.

* Exceptional communication and executive presence; able to translate technical trade-offs into business outcomes.

* Bachelor's degree required; advanced degree or certifications are a plus.

The above description covers the most significant major responsibilities but does not exclude other occasional responsibilities and accountabilities, the inclusion of which would be in conformity with the major purpose of this job.

Location: Hybrid/Waltham, MA Salary Range: $160,000 - $200,000

The reasonably estimated salary for this role at Cambridge Savings Bank ranges from $160,000 - $200,000. Cambridge Saving Bank will determine actual compensation for the role based on factors including, but not limited to, the successful candidate's skills, qualifications, and experience. In addition, Cambridge Savings Bank offers a wide range of comprehensive and inclusive employee benefits for full-time roles including healthcare, parental planning, mental health benefits, performance bonus opportunities, a 401(k) plan and match, flexible time off, and others.

Visa Sponsorship: Cambridge Savings Bank is unable to sponsor or take over sponsorship of an employment visa for this role at this time.

About Cambridge Savings Bank:

Cambridge Savings Bank is a full-service banking institution with over $7 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers, and the communities we serve. One of the oldest and largest community banks in Massachusetts, Cambridge Savings Bank offers a full line of individual and business banking services across a robust Massachusetts-based branch network and through digital banking solutions for commercial, small business and consumer customers. To learn more about how we can meet your needs, visit us at cambridgesavings.com, or better yet, come meet us to help you make the most out of your banking relationship. Member FDIC. Equal Housing Lender. NMLS # 543370.