Digital Settlement Technologies

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

U.S. Bank is seeking a Digital Asset & Money Movement Integration Lead to bridge nextgeneration customer solutions with the bank's core banking, payments, and financial infrastructure. This role will play a critical function in enabling digital asset and realtime money movement products to scale safely and sustainably within a bankgrade operating environment.

The Integration Lead will work across core systems of record, payments rails (ACH, wires, RTP), general ledger, and financial reporting, ensuring new products are operationally sound, financially accurate, and aligned with U.S. Bank's risk, compliance, and governance frameworks. This role requires deep traditional banking experience combined with the ability to partner closely with digital products, technology, treasury, finance, and risk teams.

The ideal candidate is a seasoned financial services professional who understands how banks operate, ledger flows, settlement, controls, and approvals, and can pragmatically translate innovation into solutions that meet regulatory, audit, and enterprise risk standards without stalling progress.

Key ResponsibilitiesCore Banking & Platform Integration

• Lead integration of digital asset and money movement products into legacy and modern core banking systems and realtime systems of record.

• Ensure accurate and auditable flows across general ledger, subledgers, settlement, and reconciliation frameworks.

• Partner with technology teams to define operating models that support realtime and blockchainenabled transaction processing.

Payments & Money Movement Enablement

• Support integration with ACH, wires, RTP, and emerging realtime payment rails, ensuring operational readiness and resiliency.

• Help design endtoend transaction lifecycle flows, including posting, settlement, exception handling, and reporting.

• Collaborate with Treasury Management and Payments teams to align new capabilities with existing infrastructure and controls.

Risk, Finance & Governance Navigation

• Lead coordination across Finance, Risk, Operations, Legal, and Internal Audit to enable product approvals.

• Ensure new customer solutions are supported by bankgrade risk assessments, controls, and governance artifacts.

• Translate regulatory and policy requirements into practical implementation guidance for product and engineering teams.

CrossFunctional Execution

• Act as a connective layer between digital product teams and traditional banking functions, reducing friction and execution risk.

• Support executive decisionmaking with clear documentation of tradeoffs, dependencies, and control implications.

• Contribute to operating model design for scaling digital asset and money movement activities within the enterprise.

What You'll Own

• Integration strategy between digital asset products and core banking infrastructure

• Ledger, settlement, and financial reporting flows for new money movement capabilities

• Risk, finance, and governance engagement for product enablement

• Operating model artifacts supporting regulatory readiness and internal approvals

• Crossfunction alignment between innovation teams and control functions

Preferred Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field (or equivalent experience).

• 10-15+ years of experience in traditional banking, financial operations, treasury, finance, or payments infrastructure roles.

• Deep understanding of core banking systems, general ledger architecture, settlement, and reconciliation.

• Handson experience with ACH, wires, RTP, or other payment rails.

• Proven ability to navigate risk, compliance, financial reporting, and governance processes within a regulated financial institution.

• Strong written and verbal communication skills with experience briefing senior stakeholders.

• Experience supporting new product introductions in regulated banking environments.

• Exposure to digital assets, blockchain, or realtime settlement technologies (direct or adjacent).

• Familiarity with subledger architectures, realtime posting, or eventdriven accounting models.

• Prior experience partnering with innovation, fintech, or emerging technology teams.

• Understanding of regulatory expectations related to payments, custody, or novel financial products.

• Strong systems thinking and attention to control integrity

• Ability to translate between technical, financial, and risk perspectives

• Pragmatic problem solver with a bias toward enablement, not blockage

• Comfortable operating in complex, matrixed organizations

• Clear, disciplined communicator who produces executiveready materials

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to ourdisability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $149,515.00 - $175,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.