Chief Product Officer (CPO) - Global

• Design and deliver the most appealing and profitable product suite for our clients and prospects, focusing on simplifying global payments and FX hedging
• Maximize EBIT (Earnings Before Interest and Taxes) by creating new revenue streams, strengthening core revenue flows, and driving cost-efficient, scalable processes
• Ensure clear go-to-market strategies, robust business cases, and explicit accountability across functions and regions
  The CPO will oversee the Global Project Management Office (PMO), driving investment prioritization, innovation, and resource allocation to deliver with speed, quality, and impact. Acting as the primary client for all technology development initiatives and business enablement functions (IT, Compliance, Finance, Risk, Operations), the CPO will orchestrate cross-functional execution to bring new products to market efficiently and effectively.
  Simultaneously, the CPO serves as the key service provider to Front Office teams—Sales, Dealing, and Relationship Management—ensuring they have best-in-class products, tools, training, and messaging required to succeed in market.
  A critical mandate will be to oversee and manage the convergence of Monex International's core platforms (FXO and FXDB) into a single, optimized global platform. This transformational program will leverage our existing technology stack to create a scalable, efficient, and market-ready solution that enables expansion into unserved market segments across multiple geographies.

Product Vision, Strategy & Portfolio Ownership

• →Define and own Monex International's global product vision and strategy across cross-border payments, FX hedging, and adjacent solutions (treasury, liquidity, APIs, embedded finance)
• →Build and maintain a multi-year global product roadmap aligned with MIM's growth and EBIT targets, capital plans, and risk appetite
• →Ensure the portfolio meets the needs of all primary client segments: SMB, Corporate, Enterprise, Institutional, Partnerships, and Embedded Finance
• →Balance global consistency of core offerings with local customization for regulatory requirements, tax considerations, and market practices by region
• →Lead portfolio rationalization to remove underperforming or overly complex products that add cost without sufficient return
• →Define, validate, and own sound business cases for all product investments with clear EBIT and ROI targets

Client- and Segment-Led Product Design

• →Act as the voice of the client in product design, leveraging client feedback, sales insights, data analytics, and market research
• →Define and own segment-specific value propositions (SMB vs. Enterprise vs. Institutional vs. embedded partners), including pricing, service models, and digital vs. high-touch journeys
• →Champion end-to-end client journeys for onboarding, trading, payments, hedging, and reporting, ensuring they are intuitive, repeatable, and scalable
• →Maintain deep understanding of client pain points, needs, and expectations across different markets and continuously use data to inform product decisions

Platform & Technology Convergence

• →Lead the end-to-end convergence of Monex's core platforms (FXO and FXDB) into a single, optimized global platform in close partnership with Technology, Operations, Risk, and regional leadership
• →Define the target architecture and phased migration plan to create a unified platform that supports all priority products and client segments, reduces operational complexity, ensures strong risk and compliance frameworks, and enables new embedded and API-driven propositions
• →Act as the primary client for all technology development initiatives, translating business needs into clear technical requirements
• →Work closely with Engineering and IT leadership to prioritize development efforts and ensure delivery aligns with product vision
• →Drive adoption across all regions, ensuring minimal disruption to clients and measurable improvements in speed, reliability, and margin
• →Balance technical feasibility with business impact, making smart trade-offs when necessary

Global Project Management Office Oversight

• →Lead the Global PMO and set standards for project governance, business case development, and benefit tracking
• →Maintain a firmwide project portfolio focused on initiatives that are material to EBIT and strategic differentiation, clearly resourced and realistically deliverable, and transformational rather than incremental where it matters
• →Limit the number of active projects to those the organization can execute exceptionally well, preserving agility and avoiding traditional banking bureaucracy
• →Ensure every major initiative has a clear sponsor and product owner, defined scope, timeline and budget, and quantified financial and non-financial benefits with post-implementation review
• →Instill processes for project governance, resource planning, and prioritization that align with the firm's strategic, nimble, and agile philosophy
• →Ensure clear accountability and ownership for project delivery, leveraging a RACI (Responsible, Accountable, Consulted, Informed) model across all major initiatives

Go-to-Market Excellence & Commercialization

• →Own the GTM framework for new products and enhancements across all regions and client segments
• →Develop and execute go-to-market strategies and launch plans for all products, ensuring clear accountability for post-launch success
• →Partner with Regional CEOs, Sales, Dealing, Marketing, and Front Office leadership to define target clients, use cases, pricing, positioning, messaging, competitive differentiation, and success metrics
• →Ensure sales and client-facing teams are equipped with the right tools, training, narratives, pricing models, and KPIs to drive adoption
• →Align and coordinate cross-functional teams (IT, Marketing, Operations, Compliance, Legal, Risk) to deliver seamless product launches
• →Oversee post-launch tracking (volumes, margin, EBIT, client feedback) and rapidly iterate based on results

Financial Impact, P&L & Pricing

• →Partner with Finance and regional leadership to define and track product-level P&L, including revenue, direct costs, and allocated costs
• →Drive pricing and margin optimization across corridors, products, and segments, ensuring competitive positioning while protecting profitability
• →Identify and develop new revenue streams (value-added data services, premium service tiers, partner monetization, embedded finance models)
• →Continuously seek cost-efficiency opportunities through automation, simplification, and scale effects

Risk, Compliance & Regulatory Alignment

• →Ensure all products and changes are designed and delivered in line with regulatory requirements, including AML, KYC, sanctions, market conduct, and local licensing obligations in each jurisdiction
• →Collaborate closely with Compliance, Legal, and Risk to embed controls in product design (transaction limits, screening, reporting capabilities)
• →Support regulators', auditors', and Board's understanding of new products and platform changes, including clear risk assessments and mitigants

Leadership & Organizational Development

• →Build, mentor, and lead a high-performing global Product organization, including product managers, product owners, business analysts, UX professionals, and PMO team members
• →Foster a culture of ownership, transparency, experimentation, learning, innovation, client-centricity, and data-driven decision making with clear decision rights and fast feedback loops
• →Develop product management capabilities across the organization and ensure knowledge sharing across regions
• →Role-model Monex's values throughout the organization
• →Serve as a visible leader across the Group, collaborating with regional CEOs and Executive Committee members on strategic decisions and transformation programs

Stakeholder Engagement

• →Serve as the central point of coordination between business units, regional leadership, and functional partners
• →Monitor competitive landscape and payment industry trends globally
• →Provide regular updates to executive leadership and the Board on product performance, innovation pipeline, market trends, and competitive intelligence

• →15+ years of experience in product management, payments, FX, or transaction banking, with at least 5-7 years in a senior product leadership role (CPO, Head of Product, Global Product Director) in B2B payments/FX or adjacent fintech
• →Bachelor's degree required in Business, Finance, Engineering, or related field
• →Advanced degree (MBA or equivalent) strongly preferred
• →Additional relevant certifications (CFA, FRM, PMP, Agile/SAFe) are a plus
• →Deep understanding of cross-border B2B payments, FX risk management, and corporate/institutional client needs
• →Proven track record of delivering profitable product growth and new revenue streams
• →Experience leading platform transformation/convergence and large-scale technology change programs
• →Demonstrated success building and scaling products in fintech, payments, banking, or related B2B financial services
• →Experience building and leading global teams across multiple time zones and cultures
• →Experience managing products across multiple countries and regulatory environments
• →Experience operating in regulated financial institutions and interacting with regulators, auditors, and Boards

• Strategic visionary with the ability to translate market insights and strategy into clear roadmaps, actionable priorities, and smart trade-offs
• Commercially sharp, with deep comfort in P&L ownership, unit economics, pricing, ROI modeling, and scenario analysis
• Strong technical fluency to effectively partner with engineering teams and serve as their client
• Demonstrated ability to lead through influence across matrixed, global organizations
• Data-driven decision maker who balances analytics with intuition and client insights
• Excellent stakeholder management skills with ability to challenge, influence, and align senior leaders across regions and functions
• Highly structured and execution-oriented, with strong project and portfolio management capability
• Client-centric mindset with an ability to simplify complexity into intuitive client journeys and compelling narratives
• Comfortable operating in a fast-moving, entrepreneurial environment while scaling processes and governance without losing agility

• Natural curiosity about how businesses move money globally and the challenges they face
• Bias for action with the courage to make bold bets and champion transformational change
• Collaborative leader who believes we win together and can build consensus across diverse stakeholders
• Thrives in ambiguous, high-stakes settings and can deliver results with excellence
• Someone who enjoys their work and brings energy and enthusiasm to the team
• Integrity in everything you do

• Expect significant travel (approximately 20-30%) to engage with teams and clients across our markets.

• The annual salary range is $300,000 to $375,000 based on experience, with a 10% annual bonus.

• Medical insurance
• Dental insurance
• Vision insurance
• Commuter benefits
• 401(k) and employer match
• 16 days of PTO
• Disability benefits
• Paid parental leave
• Catered Lunches
• Annual Summer & Winter Events