Product Manager

Your Opportunity

Schwab remains committed to providing increased visibility to career growth opportunities and job requirements. This posting announcement is part of increased transparency and while all qualified applicants will be reviewed and considered, this organization has a preferred candidate identified for this role. 

At Schwab, you're empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us "challenge the status quo" and transform the finance industry together.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).

Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

Charles Schwab’s Digital Retail team creates and evolves the digital experiences retail clients use to build wealth and manage their financial lives. The Digital Retail Integrated Experiences team connects Schwab’s digital channels with business capabilities, enterprise systems, and third-party platforms to deliver cohesive, scalable experiences regardless of where a capability originates. We partner across business, product, user experience, technology and other teams to solve complex client needs.

We are seeking a Senior Digital Product Manager who combines product leadership, systems thinking, and disciplined execution. The role will initially focus on scaling Consolidated Reporting, a third-party portfolio reporting solution for ultra-high-net-worth clients. Success requires coordinating eligibility, data integration, identity and access, enrollment, testing, release readiness, production support, and vendor management across Schwab domains and vendor platforms.

After launch, the role will shape the strategy for integrating reporting data and experiences into Schwab’s digital ecosystem. Over time, the Senior Manager will lead additional Digital Retail initiatives spanning product discovery, regulatory change, platform integration, business-line migration, and enterprise experiences.

This hands-on product leadership role translates client and business needs into product requirements, solution options, delivery plans, and measurable outcomes. You will coordinate delivery across teams and communicate effectively with audiences from architects and product teams to business owners and senior executives.

The ideal candidate brings structure to ambiguity, understands enterprise systems and data flows, and aligns teams with different priorities and delivery models. If you are energized by connecting business strategy, client needs, and complex systems to deliver integrated digital experiences, we welcome the opportunity to speak with you.

The Team Is Responsible For

• Leading discovery and integration for capabilities originating in Workplace Solutions, Affluent Client Experiences, enterprise platforms, regulatory programs, and third-party products.

• Defining, prioritizing, and delivering integrated experiences across Schwab systems, channels, and partner platforms.

• Translating client and business needs into product requirements, flows, success measures, and delivery plans.

• Assessing impacts across digital properties, systems, operations, servicing, controls, and downstream experiences.

• Coordinating delivery, testing, launch readiness, stabilization, and transition to long-term support.

• Aligning business, product, user experience, technology, operations, service, legal, compliance, risk, security, vendor, and field partners.

• Establishing reusable integration patterns and product practices that reduce client friction and accelerate delivery.

What You'll Do

• Product Discovery and Strategy – Lead discovery to define the problem, target users, desired outcomes, constraints, and success measures. Translate enterprise strategy into product strategies, roadmaps, and priorities.

• Solution Assessment and Recommendation – Identify solution options and evaluate trade-offs across client impact, business value, usability, feasibility, scalability, risk, dependencies, cost, and time to market. Present clear, evidence-based recommendations and align partners before delivery begins.

• Requirements and System Design – Own and maintain business requirements for integration behavior, including eligibility, account roles, client relationships, exclusions, lifecycle events, and edge cases.

• Data and Systems Integration – Define product requirements for APIs, batch feeds, field mappings, business logic, data quality, and record lifecycle management. Partner with technology teams to understand upstream and downstream impacts, resolve data issues, and support scalable integration patterns.

• Identity, Access, and Entitlements – Partner with identity, security, platform, and business teams to define single sign-on, identity matching, role-based access, entitlements, and controls for clients, representatives, employees, and restricted client segments.

• Client Enrollment and Onboarding – Design and improve end-to-end onboarding experiences across eligibility, digital agreements, document archival, offer and preference management, account association, activation, and ongoing maintenance. Establish interim processes where needed and define a path to scalable automation.

• Roadmap and Delivery Leadership – Maintain an outcomes-based roadmap. Sequence discovery and delivery, define minimum viable releases, coordinate dependencies, and establish decision points, acceptance criteria, and accountability.

• Testing and Launch Readiness – Define end-to-end test strategy across systems, environments, client scenarios, and operations. Lead user acceptance testing, defect resolution, readiness decisions, and launch, monitoring, and backout planning.

• Product Performance and Production Support – Define success measures, data-quality controls, monitoring, and alerting. Use client feedback, product analytics, operational insights, and production findings to improve the roadmap and transition the product to a sustainable support model.

• Vendor Partnership – Serve as the primary product partner for vendor management, implementation and support. Align capabilities, specifications, environments, dependencies, defects, releases, service expectations, and roadmap priorities.

• Risk and Governance – Integrate legal, compliance, privacy, security, accessibility, operational, and regulatory requirements into product decisions and delivery plans. Surface material risks early, define mitigation actions, and maintain traceability through governance reviews.

• Stakeholder Leadership – Build trusted relationships across teams and functions. Communicate decisions, rationale, progress, dependencies, risks, and trade-offs clearly, tailoring the message for product teams, business owners, and senior leaders.

• Team and Practice Development – Model client-first product leadership, a challenger mindset, sound judgment, and accountability. Mentor peers and partners, promote reusable practices, and use emerging technologies—including approved AI tools—to improve product analysis, documentation, decision-making, and delivery.

What you have

Required Qualifications:

• Bachelor’s degree or equivalent practical experience.

• Seven or more years in digital or technical product management, business systems analysis, or technical program management within financial services or another regulated industry.

• Experience leading a complex digital product or third-party integration from discovery through launch, stabilization, and ongoing support.

• Experience defining product vision, outcomes, roadmaps, release strategies, and success measures.

• Strong understanding of enterprise integration, including APIs, batch feeds, data mappings, systems of record, and downstream impacts.

• Working knowledge of identity, authentication, single sign-on, identity matching, entitlements, and role-based access.

• Ability to translate ambiguous needs into problem statements, flows, product requirements, acceptance criteria, and prioritized plans.

• Experience balancing discovery and delivery, coordinating cross-team dependencies, and leading work through agile planning and governance.

• Experience defining end-to-end test strategies and leading user acceptance testing across systems, environments, processes, and partner teams.

• Strong analytical and problem-solving skills, including root-cause analysis and decision-making with incomplete information.

• Exceptional written, verbal, presentation, and storytelling skills for audiences from engineers to senior executives.

• Ability to influence without authority, resolve competing priorities, and create accountability in a matrixed organization.

• Experience with agile product practices and tools such as Jira and Confluence.

Preferred Qualifications:

• Experience in brokerage, wealth management, portfolio or performance reporting, or products serving affluent and ultra-high-net-worth clients.

• Knowledge of Schwab’s digital ecosystem, including client, account, household, relationship, identity, and entitlement data.

• Experience with client onboarding, e-signature, document archival, offer and preference management, customer master data, or account aggregation.

• Experience defining observability, monitoring, incident-management, release-management, and production-support processes for a new product or platform.

• Experience building business cases, evaluating product trade-offs, and using outcomes and key results or similar measures to guide prioritization.

• Experience applying market, competitive, client-research, usage, and operational insights to product strategy and roadmap decisions.

• Experience working with legal, compliance, privacy, risk, security, accessibility, audit, or regulatory partners.

• Experience using approved AI and automation tools to improve product discovery, analysis, documentation, requirements, and decision-making.

• Proficiency in SQL or comparable experience analyzing enterprise data, including customer, account, household, and relationship data models.

 In addition to the salary range, this role is also eligible for bonus or incentive opportunities.

What's in it for you

At Schwab, you're empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration - so you can build the skills to make a lasting impact. Our approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you - both today and in the future:

• 401(k) with company match and Employee stock purchase plan

• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

• Paid parental leave and family building benefits

• Tuition reimbursement

• Health, dental, and vision insurance