Head of Digital Product, Cash Management & Money Movement

The Opportunity

Lead strategy, roadmap, and execution for cash, liquidity, banking, and money movement across the cash management business team. Bring deep product, payments, and regulated financial services expertise to scale client-centered experiences, reduce friction, and strengthen resiliency and control outcomes.

This role requires deep expertise in cash management, U.S. payments, regulated banking products, and digital product delivery. Partner across technology, operations, risk, compliance, legal, servicing, and external providers to modernize mission-critical payment capabilities while improving client and advisor experience, efficiency, and controls.

What You’ll Do

Own cash and money movement product strategy and roadmap across Wealth and Advice.

Design differentiated experiences that reduce funding friction, improve cash visibility, and deepen engagement.

Define requirements across ACH, wires, checks, debit and card transactions, transfers, and account funding.

Modernize high-volume money movement capabilities, including ACH, wires, checks, debit and card transactions, transfers, reconciliation, exceptions, and lifecycle management.

Strengthen API integrations, payment orchestration, ISO 20022 readiness, and platform resiliency.

Drive execution from discovery through launch, adoption, and enhancement.

Embed fraud prevention, AML/KYC, OFAC, and operational controls into roadmap and launch readiness.

Translate complex banking and payment requirements into clear strategy, delivery plans, and executive decisions.

Use market trends and analytics to prioritize build, buy, or partner options with banks, fintechs, and payment providers.

Build and lead talent with deep payments expertise and product management discipline.

Coordinate with the Cash Management strategy AWS team and PW Tech.

Measure success through client and advisor experience, adoption and engagement of cash, savings, and money movement capabilities, transaction reliability, operational efficiency, and risk and control health.

What It Takes

Required Qualifications

Deep experience building and managing cash management, payments, or money movement digital products within a financial institution or fintech.

Experience designing and optimizing consumer banking and cash management customer journeys and customer experience, focused on payments, savings, liquidity, and digital banking.

Strong understanding of U.S. payment rails and processing, including ACH, wire transfers, debit card transactions, and check processing.

Demonstrated knowledge of payment operations, settlement, reconciliation, exceptions management, and the transaction lifecycle across payment types.

Familiarity with banking regulations, risk management, fraud prevention, AML/KYC, OFAC screening, and payment compliance as they relate to money movement products.

Experience partnering with operations, technology, risk, compliance, and servicing teams to deliver secure, scalable, and compliant payment capabilities.

Proven ability to define product strategy and roadmap for high-volume, mission-critical payment platforms while balancing customer experience, operational efficiency, and regulatory requirements.

Strong understanding of banking APIs, payment integrations, ISO 20022, and modern payment ecosystems, including third-party payment providers and fintech partnerships.

Demonstrated success leading cross-functional product delivery in Agile environments, translating complex requirements into customer-centric solutions.

Preferred / Differentiating Skills

Expertise in payment scoring, industry stewardship, and thought leadership, with a proven ability to actively shape and advance industry standards and practices.

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.