Mobile Product Architect – Digital Payments & Debit Cards

About Vanguard

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 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.

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.

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.

Requirements

• 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

• 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.

Benefits

• To lead through product and services that transform our clients' lives.