Lead Chase's card tokenization strategy across networks, partners, and platforms.
Chase cards need to work every time, everywhere - in a wallet, at a merchant, inside an app, or through an AI agent. As a Tokenization Product Leader, you will own the strategy and execution that makes that possible. We are a forward-thinking payments team committed to transforming customer experiences, simplifying how we do business, and pushing for product excellence - all while holding to high standards for controls and consistency. Join us and make a direct, measurable impact on how millions of customers pay every day.
As a Tokenization Product Leader in the Payments Tokenization team, you will own Chase's end-to-end tokenization strategy and the connectivity between card networks, partners, and our credit and debit platforms. You will serve as Chase's lead product partner to the networks on tokenization and digital payments, driving smooth provisioning, high approval rates, reduced fraud, and cards that keep working when reissued or replaced. Your work will have a direct, measurable impact on the business's P&L.
Job responsibilities- Set, champion, and deliver Chase's tokenization strategy, drawing on market trends across issuers, networks, merchants, and fintechs alongside internal data and insights
- Own the tokenization product and platform end to end, including product operations, scalability, and reliability
- Define and track key performance measures including provisioning success rates, token approval rates, fraud losses, and card continuity after reissuance
- Lead strategic relationships with card networks, tracking and delivering against network mandates and shaping joint roadmaps
- Position the team to lead in emerging capabilities such as agentic commerce, Click to Pay, token-based authentication, and new wallet types
- Strengthen connectivity between networks, partners, and Chase's card and debit platforms to minimize failed transactions and broken card experiences
- Partner with Fraud, Servicing, Risk & Controls, and Legal to balance growth, customer experience, and strong controls
- Manage and track partner agreements to ensure alignment and accountability
- Drive product development in close partnership with Technology using Agile and modern product practices
- Build and lead a high-impact product team, fostering a culture of innovation, accountability, and continuous improvement
Required qualifications, capabilities, and skills- 10 years of experience in financial services, payments, fintech, digital, or product management
- 4 years of hands-on experience with digital wallets, network tokenization, or card issuing from an issuer, network, processor, fintech, or merchant perspective
- Demonstrated ability to build product strategy and a supporting roadmap proactively
- Proven track record of launching products and capabilities with cross-functional teams
- Strong commercial and financial acumen, including the ability to build business cases and translate data into actionable customer and industry insights
- Experience managing senior external stakeholders with confidence
- Experience working in Agile or modern product operating models
- Proficiency using AI-powered tools to accelerate product discovery, analysis, prototyping, and delivery
- Bachelor's degree required
Preferred qualifications, capabilities, and skills- Experience leading an Agile or product operating model transformation
- Background working across multiple payments ecosystem perspectives, such as issuer, network, and merchant
- Demonstrated ability to help teams adopt new tools and ways of working, including AI-powered capabilities
Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.
ABOUT USChase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
Equal Opportunity Employer/Disability/Veterans
ABOUT THE TEAMOur Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.
We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.
