Senior Debit Card Analyst, Cash & Savings

The Senior Debit Analyst will support Vanguard's debit card initiative by driving requirements management, operational readiness, process design, and control framework development. This role will serve as a critical bridge between strategy, product, operations, risk, compliance, legal, and technology teams, translating business objectives into detailed documentation, workflows, and executable operating procedures.

The ideal candidate is highly organized, detail-oriented, and experienced in managing complex dependencies across multiple stakeholders. They will be responsible for developing business requirements, process documentation, operational playbooks, and governance artifacts that enable successful product delivery and seamless handoff into ongoing operations.

Key Responsibilities

• Business Requirements & Documentation
  • Lead cross-functional business requirements gathering efforts across product, operations, risk, compliance, legal, and technology stakeholders.
  • Develop and maintain comprehensive business requirements documentation, functional requirements, process flows, and supporting artifacts.
  • Establish strong documentation governance, ensuring traceability from business objectives through implementation and operational execution.
  • Support feature and experience prioritization and requirements refinement.

• Program Delivery Support
  • Serve as a core member of the debit card delivery team, coordinating documentation, requirements, and operational readiness efforts across workstreams.
  • Track dependencies, decisions, action items, and implementation deliverables to support successful execution.
  • Partner closely with product and program leadership to ensure strategic initiatives are translated into executable business processes.
  • Participate in special projects and perform other duties as assigned.

• Operating Model & Playbook Development
  • Support the design of operating procedures, workflows, and playbooks that support debit card and money movement capabilities.
  • Document end-to-end operational processes and partner with operational teams to transition ownership and execution responsibilities.
• Vendor & Operational Readiness Support
  • Participate in vendor evaluations, onboarding activities, and implementation planning.
  • Support contract reviews by documenting business requirements, service expectations, and operational dependencies.
  • Partner with product, operations, and vendor teams to ensure readiness for launch and ongoing support.
• Qualifications
  • 5+ years of experience in card products, , payments, money movement, or financial services operations.
  • Demonstrated ability to develop business requirements, process documentation, and operational procedures for complex initiatives.
  • Strong organizational skills with exceptional attention to detail and documentation quality.
  • Ability to manage multiple stakeholders and work effectively across Product, Operations, Risk, Compliance, Legal, and Technology organizations.
  • Experience with business analysis, project management, supporting vendor implementations, operational readiness, or service delivery programs preferred.
  • Knowledge of payment systems, debit card programs, ACH, money movement, fraud controls, or regulatory frameworks preferred.
  • Strong written communication, facilitation, and analytical skills.
• Preferred Qualifications
  • Experience in banking, payments or fintech.
  • NACHA certification or payments-related experience is a plus.
  • Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred.

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.