Mobile Product Architect – Digital Payments & Debit Cards

The Vanguard Group, Inc.; United States; Hybrid; USD 150,000 - 230,000; Full time

Job summary

Vanguard is seeking a Senior Mobile Architect to 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 designs and provide deep technical leadership for the iOS ecosystem while collaborating across Android and other mobile technologies.

You will guide integration across mobile apps and payment technologies, evaluate vendors, and ensure solutions

Qualifications

• 8+ years related work experience, incl. 3+ years in technology architect roles.
• Bachelor's degree or equivalent; Graduate degree preferred.
• Strong mobile architecture with depth in iOS.
• Experience with digital payments and mobile payment technologies.
• Hands-on architecture or implementation with digital wallet push provisioning.
• Experience integrating with wallets like Apple Pay/Google Pay.
• Ability to influence architecture decisions and align stakeholders across teams.
• Technical depth for POC, design validation, and evaluations.

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 provide deep technical leadership for the iOS/mobile ecosystem.
• Collaborate across Android and other mobile technologies and partner with product managers and security teams.
• Lead integration design across mobile applications, payment technologies, and third-party/vendor platforms.
• Guide technical teams through implementation and resolve complex architecture challenges.
• Participate in architecture reviews, proofs of concept, feasibility assessments, and vendor evaluations.

Skills

Mobile architecture

iOS ecosystem

Technical leadership

Digital payments

Push provisioning

Architecture validation

Education

Bachelor's degree or equivalent

Graduate degree preferred

Tools

AWS

Digital wallet integrations

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. Vanguard, one of the world's leading investment management companies, serves individual investors, institutions, employer-sponsored retirement plans, and financial professionals. We have a diverse and talented crew with a culture that promotes teamwork, along with an unwavering focus on serving our clients' best interests.