Mobile Product Architect – Digital Payments & Debit Cards

Vanguard Group; Malvern (Chester County); Hybrid; USD 140,000 - 190,000; Full time

Job summary

Vanguard seeks a Senior Mobile Architect to lead architecture and design for mobile debit and digital payment capabilities, including wallets and provisioning. You will translate complex requirements into practical architectures and provide deep technical leadership for iOS across ecosystems.

Collaborating with product, engineering, security, and vendors, you will drive alignment on architecture decisions and oversee integration across mobile apps and third-party platforms.

Qualifications

• Eight+ years of experience in related work.
• Architecture experience in technology leadership roles.
• Strong mobile architecture depth in iOS ecosystem.
• Experience with digital payments and mobile wallet tech.
• Able to influence architecture decisions across multiple stakeholders.

Responsibilities

• Lead architecture and solution design for mobile debit card and digital payment capabilities.
• Translate business requirements into architecture designs and technology solutions.
• Provide deep technical leadership for the iOS/mobile ecosystem across platforms.
• Partner with product, engineering, security, and other stakeholders to align on architecture decisions.
• Lead integration design across mobile apps and third-party platforms.
• Guide teams through implementation and resolve architecture challenges.
• Lead architecture reviews, proofs of concept, and feasibility assessments.
• Evaluate vendor capabilities against Vanguard standards.
• Remain close to technology to contribute to prototypes and architecture validation.

Skills

Mobile architecture

iOS architecture

Digital payments

Stakeholder leadership

Cross-team collaboration

Education

Bachelor's degree

Graduate degree preferred

Tools

Apple Pay

Google Pay

AWS

Job description

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.