Mobile Product Architect – Digital Payments & Debit Cards

Posted Yesterday
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Malvern, PA, USA
In-Office
Senior level
Fintech
The Role
Lead architecture and solution design for mobile debit cards and digital payment capabilities, including digital wallets and push provisioning. Translate business needs into architecture, guide engineering teams, lead integrations with payment and vendor platforms, conduct architecture reviews and proofs of concept, and align product, engineering, security, architecture, and business stakeholders. The role requires deep iOS expertise with familiarity across Android, cross-platform mobile technologies, cloud architecture, and payment ecosystems.
Summary Generated by Built In

Responsibilities

  • Lead architecture and solution design for new mobile debit card and digital payment capabilities, including digital wallets and push provisioning.
  • Translate complex business requirements into practical architecture designs and technology solutions.
  • Provide deep technical leadership for the iOS/mobile ecosystem while collaborating across Android and other mobile technologies.
  • Partner with product managers, engineering leads, chief engineers, enterprise architects, security teams, and other stakeholders to drive alignment on architecture and implementation decisions.
  • Lead integration design across mobile applications, payment technologies, and third-party/vendor platforms.
  • Guide technical teams through implementation, helping resolve complex architecture and integration challenges.
  • Lead architecture reviews, proofs of concept, feasibility assessments, and technical evaluations.
  • Evaluate vendor capabilities and ensure solutions align with Vanguard technology standards and long-term architecture.
  • Remain close enough to the technology to contribute to prototypes, proofs of concept, and architecture validation when needed.

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.
  • Strong mobile architecture experience with particular depth in the iOS ecosystem.
  • Demonstrated experience with digital payments and mobile payment technologies.
  • Hands-on architecture or implementation experience with digital wallet push provisioning capabilities.
  • Experience integrating mobile applications with digital wallets such as Apple Pay, Google Pay, or comparable wallet technologies.
  • Experience translating business requirements into architecture and solution designs and guiding engineering teams through implementation.
  • Ability to influence architecture decisions and drive alignment across product, engineering, architecture, and vendor stakeholders.
  • Technical depth sufficient to participate in proof-of-concept, design validation, and solution evaluation activities.

Preferred Qualifications:

  • Experience with React Native or similar cross-platform mobile technologies.
  • Familiarity with Android architecture and development ecosystems.
  • Banking, debit card, card processing, or money movement experience.
  • Experience integrating with payment processors, card networks, sponsor banks, or other payment technology providers.
  • AWS/cloud-native architecture experience.
  • Experience presenting architecture strategies and recommendations to senior technical and business leaders.

Special Factors

Sponsorship

Vanguard is not 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

  • At least eight years of related work experience
  • At least three years of technology architect experience
  • Undergraduate degree or equivalent combination of training and experience
  • Strong mobile architecture experience with particular depth in iOS
  • Experience with digital payments and mobile payment technologies
  • Hands-on architecture or implementation experience with digital wallet push provisioning
  • Experience integrating mobile applications with Apple Pay, Google Pay, or comparable wallet technologies
  • Experience translating business requirements into architecture and solution designs
  • Experience guiding engineering teams through implementation
  • Ability to influence architecture decisions and align product, engineering, architecture, and vendor stakeholders
  • Technical depth for proof-of-concept, design validation, and solution evaluation activities
  • Graduate degree
  • Experience with React Native or similar cross-platform mobile technologies
  • Familiarity with Android architecture and development ecosystems
  • Banking, debit card, card processing, or money movement experience
  • Experience integrating with payment processors, card networks, sponsor banks, or payment technology providers
  • AWS or cloud-native architecture experience
  • Experience presenting architecture strategies to senior technical and business leaders

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.

  • 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.
  • 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.
  • 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

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The Company
HQ: Malvern, PA
20,252 Employees
Year Founded: 1975

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.

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