Core Responsibilities
- Define and drive the architecture strategy and product roadmap for digital payments products and platforms, ensuring alignment with business objectives, enterprise architecture standards, and technology roadmaps.
- Design scalable, secure, and resilient solutions supporting mobile payment capabilities, including digital wallets (Apple Pay, Google Pay), debit card payment experiences, account funding and transfers, card controls, tokenization services, and push provisioning capabilities.
- Partner with Product Managers, Engineering Leads, UX teams, Security, Risk, Compliance, Operations, and business stakeholders to translate requirements into architecture designs, technical roadmaps, and delivery plans.
- Collaborate with enterprise architects, product teams, technology experts, and vendors to ensure solutions align with enterprise standards, target architectures, and long-term technology strategies.
- Lead integration architecture across payment processors, sponsor banks, card networks, digital wallet providers, and other third-party financial technology partners.
- Serve as the senior technical authority for assigned products and platforms, assessing risks, resolving complex technical challenges, and guiding teams through architecture and implementation decisions.
- Lead architecture reviews, proof-of-concept initiatives, feasibility studies, and technology evaluations to validate solutions, reduce implementation risk, and inform build-versus-buy decisions.
- Establish and promote mobile architecture standards, design patterns, API strategies, engineering best practices, and governance processes to ensure quality, security, and consistency across teams.
- Track emerging technologies, payment innovations, and industry trends to identify opportunities for modernization, innovation, and competitive advantage.
- Prepare and present architecture recommendations, product documentation, technology roadmaps, and business cases to technical stakeholders and executive leadership.
- Provide technical leadership, mentoring, and architectural guidance across multiple delivery teams, fostering engineering excellence and organizational growth. Contribute hands-on when needed through design reviews, prototype development, reference implementations, special projects, and other duties as assigned.
Qualifications
- Minimum of eight years related work experience, with at least three years of technology architect experience.
- Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred.
Preferred Qualifications
Strong experience designing and delivering mobile applications for iOS and Android platforms.
Deep understanding of digital payments architecture, payment processing, and money movement systems.
Experience with mobile application frameworks such as React Native, Swift, Kotlin, Flutter, or equivalent technologies.
Strong understanding of authentication, authorization, encryption, tokenization, and fraud prevention concepts.
Experience leading architecture governance, solution reviews, and cross-functional technical initiatives.
Hands-on experience with digital wallet integrations, including Apple Pay and Google Pay.
Experience with payment processors, core banking platforms, sponsor bank integrations, or card processing ecosystems such as Marqeta, Fiserv, Visa DPS, or similar platforms.
Experience with AWS cloud services and cloud-native architecture patterns.
Experience developing architecture roadmaps and presenting technology strategies to senior leadership.
Special Factors
Sponsorship
Vanguard is offering visa sponsorship for this position.About Vanguard
At Vanguard, we don't just have a mission—we're on a mission.
To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.
How We Work
Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.
Skills Required
- Minimum eight years of related work experience
- At least three years of technology architect experience
- Undergraduate degree or equivalent combination of training and experience
- Graduate degree
- Experience designing and delivering mobile applications for iOS and Android
- Experience with digital payments architecture, payment processing, and money movement systems
- Experience with React Native, Swift, Kotlin, Flutter, or equivalent mobile application technologies
- Understanding of authentication, authorization, encryption, tokenization, and fraud prevention
- Experience leading architecture governance, solution reviews, and cross-functional technical initiatives
- Hands-on experience integrating Apple Pay and Google Pay
- Experience with payment processors, core banking platforms, sponsor bank integrations, or card processing ecosystems such as Marqeta, Fiserv, or Visa DPS
- Experience with AWS cloud services and cloud-native architecture patterns
- Experience developing architecture roadmaps and presenting technology strategies to senior leadership
Vanguard Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Vanguard and has not been reviewed or approved by Vanguard.
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Retirement Support — Retirement support appears unusually strong through a 401(k) design that includes a match plus an additional employer contribution, which can materially lift long-term total rewards. HSA seeding and an enhanced employer match further strengthen the savings-and-benefits value of the package.
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Wellbeing & Lifestyle Benefits — Wellbeing and lifestyle support is reinforced by a sizable annual FlexFund stipend that can be applied across many day-to-day categories such as fitness, childcare, and other personal expenses. On-site or virtual clinics and fitness options add practical health and wellness convenience.
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Affordable Benefits — Healthcare and related benefits are positioned as comparatively affordable via heavily subsidized medical plans and broad coverage options. This affordability can offset moderate base pay for employees who place higher value on out-of-pocket cost reductions.
Vanguard Insights
What We Do
We are a community of 30 million who think – and feel – differently about investing. Together, we’re changing the way the world invests. Since our founding in 1975, helping our investors achieve their goals is our sole reason for existence. With no other parties to answer to and therefore no conflicting loyalties, we make every decision—like keeping investing costs as low as possible—with only your needs in mind. Vanguard is one of the world's largest investment companies, offering a large selection of high-quality low-cost mutual funds, ETFs, advice, and related services. Individual and institutional investors, financial professionals, and plan sponsors can benefit from the size, stability, and experience Vanguard offers. As of April 30, 2019, we managed more than $5.6 trillion in global assets. In addition, we have 189 funds in the United States and 225 funds in global markets. For Commenting Guidelines & Important information, visit here: http://vanguard.com/linkedin Vanguard Marketing Corporation, Distributor.
