Mobile Product Architect – Digital Payments & Debit Cards

Join Vanguard at a pivotal point in the evolution of our digital payments experience. We are building new debit card capabilities for Vanguard Cash Plus clients, including physical and virtual cards, digital wallets, and mobile push provisioning. This is an opportunity to help shape the architecture of a new capability from the ground up. As our Mobile Product Architect – Digital Payments & Debit Cards, you will provide architecture leadership across this initiative, with a particular focus on the iOS ecosystem, digital wallets, and push provisioning. You will work across product, mobile engineering, architecture, technology leadership, and vendor teams to turn complex business needs into secure, scalable solutions. This role is ideal for an experienced mobile and payments architect who wants to do more than maintain an established platform. You will have an opportunity to influence key technology and architecture decisions as Vanguard expands its digital payments capabilities.

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.