About Cosmos Labs Cosmos is seeking a Product Manager to lead the design and development of our Tokenized Deposits platform. We are looking for a specialist with deep, hands-on product experience in banking infrastructure core banking and order management platforms and who also has a working knowledge of the operational dimensions of financial services businesses such as compliance, audit, and tax. Role Overview You will own the product strategy and execution for a tokenization product that enables financial institutions to interact seamlessly with tokenized assets without requiring changes to their existing core banking systems.

Requirements (PRDs)

, including detailed API specifications, reconciliation flows, and integration patterns Partner with engineering and design to take the product from prototype to production Work with bank customers to validate and refine the product in real-world environments Lead product ideation and translate concepts into tangible improvements across demos and production systems Navigate internal and external stakeholders to drive adoption and successful implementation

Key Responsibilities

Tokenization Product Ownership Own the tokenization product direction end-to-end. Make the hard product design calls — write-back vs. omnibus model, batch vs.

webhook sync, how to handle the two-phase finality gap between core posting and on-chain confirmation. On-prem versus cloud-native deployments. Keep the product honest.

Requirements

, kill it and replace it with something that does. Report to key stakeholders and work closely with all departments to ship and build momentum around the product. Be the voice of the customer in the room, and use your experience to design a product that will be impressive but believable.

Customer Discovery Run at least 2 hours per week of direct conversations with target banks, neobanks, channel/distribution partners and payment fintechs. Use these conversations to validate or kill product assumptions. Your job is to close the gap between what we think banks need and what they'll actually sign for.

Bank-to-Blockchain Translation Turn bank-side realities into engineering design inputs. Examples: How does a Hogan batch file land? What does a Reg CC hold look like when you need to mirror it on-chain?

Why will the compliance team reject a direct write-back API? Work side-by-side with the engineering team to scope PoCs, define adapter interfaces, and make sure the on-chain token logic maps correctly to real deposit operations — holds, memo posting, suspense, float. Design Partner Acquisition Co-own the path to key milestones with the Chief Commercial Officer.

Work backwards from the criteria a customer requires to commit: regulatory confidence, core system compatibility, robust reconciliation guarantees, and a credible consortium narrative.

Competitive Awareness Master the competitive landscape: Cari Network, Canton/JPMD, Kaleido, DXC CoreIgnite/Ripple, Fnality, Partior.

Qualifications

Required: 5+ years in product, strategy, or technology roles at a commercial bank, core banking vendor, or bank-focused fintech. Hands-on experience with core banking systems — Fiserv, FIS, Jack Henry, Temenos, or similar. Working knowledge of US deposit regulation: FDIC insurance, OCC guidance, BSA/AML, Reg CC.

Familiar with payment rails — ACH, Fedwire, RTP, FedNow, SWIFT — and how interbank settlement works in practice. Can hold a room with a bank's technology architect and pivot to a technical conversation with an engineer building Cosmos SDK modules. Comfortable operating in ambiguity.

Senior Product Manager - Finance (Full Time)