Vice President, Digital Wallet

Western Union is hiring a Vice President, Digital Wallet to lead the digital wallet portfolio within our broader Global Digital Product & Platform strategy. This executive will translate our modernization vision into a differentiated, secure, and scalable wallet proposition that advances customer acquisition, engagement, retention, and revenue growth.

Reporting to the Senior Vice President, Global Product & Platform, you will own the wallet strategy, multi-year roadmap, business model, investment priorities, and operating performance. You will ensure the wallet integrates effectively with shared platform capabilities, including mobile applications, customer identity, payments, fraud prevention, APIs, data, and emerging financial services.

We are looking for a strategic product and payments leader who can move from vision to scaled execution. The ideal leader brings deep digital wallet, payments, platform, and customer experience expertise; strong commercial and financial acumen; and the ability to align Product, Technology, Compliance, Risk, Operations, Marketing, Finance, and regional teams in a complex global environment.

Role Responsibilities

- Own the global digital wallet strategy, customer value proposition, priority segments, business model, product vision, investment priorities, and 1- to 2-year roadmap.
- Align wallet priorities with enterprise objectives for customer growth, digital adoption, engagement, retention, revenue, and operational efficiency.
- Lead end-to-end product and platform execution across discovery, prioritization, design, engineering, release planning, go-to-market readiness, launch, scaling, and lifecycle optimization.
- Oversee wallet experiences and enabling capabilities, including APIs, data, ledger, settlement, reconciliation, identity, tokenization, authentication, fraud controls, and partner integrations.
- Own the end-to-end operating performance of the wallet portfolio, including wallet operations, escalation resolution, account closures, escheatment, disputes, and other supporting processes, while partnering across Operations, Compliance, Risk, and Technology to improve controls, customer outcomes, and operational efficiency.

- Act as the product operational subject matter expert for account origination, account lifecycle management, payments, settlement, clearing, and reconciliation. Manage internal and external product operations, ensuring seamless integration and performance across multiple channels.
- Ensure all products and operations are compliant with relevant regulations (e.g., BSA/AML, Reg E, Reg Z, NACHA, PCI DSS) and industry standards.
- Ensure the wallet roadmap leverages and informs shared platform capabilities across mobile applications, payments, customer identity, fraud and risk management, APIs, and customer engagement.
- Own portfolio outcomes across acquisition, activation, monthly active users, retention, transaction frequency and value, revenue, margin, and cost to serve.
- Use customer insights, market intelligence, experimentation, emerging technologies, and AI-enabled capabilities to improve the customer experience and strengthen competitive differentiation.
- Establish an executive scorecard and operating cadence, using performance reviews to remove friction, improve conversion, strengthen unit economics, and reallocate investment to the highest-value opportunities.
- Partner with Technology, Compliance, Privacy, Fraud, Cybersecurity, Enterprise Risk, Treasury, Operations, Marketing, Finance, and regional leaders to embed controls throughout the wallet lifecycle.
- Ensure launches and material changes meet applicable regulatory, financial crime, consumer protection, data, technology, operational readiness, and resilience requirements.
- Develop Directors and Managers, build succession and talent depth, establish clear accountabilities, and foster an empowered, inclusive, customer-centric culture.
- Own and manage strategic relationships with payment networks, financial institutions, sponsor banks, technology providers, fintechs, merchants, and other ecosystem partners, including partner selection, commercial negotiations, contracting, integration, performance management, and ongoing relationship governance.

Role Requirement

- 12+ years of progressive experience in product management, platform strategy, payments, fintech, digital commerce, or a related financial services discipline.
- 5+ years of experience leading leaders or multidisciplinary product organizations.
- Demonstrated experience owning a major product portfolio or platform from strategy through scaled commercialization across multiple markets.
- Deep expertise in digital wallets, payments product strategy, platform roadmaps, customer journeys, product discovery, business cases, portfolio economics, product analytics, experimentation, and agile delivery.
- Strong understanding of payment authorization, clearing, settlement, reconciliation, APIs, partner integrations, tokenization, authentication, identity, fraud, privacy, cybersecurity, and regulatory risk.
- Working knowledge of cloud architecture concepts, data platforms, mobile ecosystems, open banking, and cross-border payment models.
- Proven ability to translate customer, competitive, technical, financial, operational, and regulatory inputs into clear priorities and scalable decisions.
- Strong enterprise leadership, executive communication, stakeholder influence, negotiation, financial acumen, change leadership, talent development, and decision-making under ambiguity.
- Demonstrated success leading across cross-functional, global, and matrixed environments.
- Bachelor’s degree in business, finance, technology, engineering, economics, or a related field required. Equivalent directly relevant professional experience may be considered where permitted.

Preferred Qualifications

- MBA or relevant advanced degree.
- Experience with cross-border payments, remittances, digital banking, or global money movement.
- Experience building fintech or ecosystem partnerships and managing partner performance and economics.
- Experience leading or supporting banking and payments products, with a strong understanding of card issuance, sponsor bank models, and the associated operational, regulatory, risk, and partner-management requirements.
- Experience using AI-enabled capabilities and emerging technologies to improve digital financial products and customer experiences.

Work Shift

HYBRID - Western Union values in-person collaboration, problem solving, and ideation whenever possible. We believe this fosters common ways of working and supports how we execute initiatives for our customers. The expectation is to work from the office a minimum of three days a week.

BENEFITS AND OTHER DETAILS

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few. Please see the benefits below specific to your country. If applicable, additional role-specific benefits will be mentioned during your interview process or in an offer of employment.

Your United States specific benefits include:

- Paid Time Off
- Medical, Dental and Life Insurance
- Tuition Assistance Program
- Student Loan Repayment (below manager level only)
- Parental Leave
- One day volunteer time off
- $0 Money Transfer Fee Discount Code – Quarterly
- Recognition Program “Game Changers”
- Employee Discount Program
- Global Adoption Assistance
- Global Scholarship Awards Program
- 401K plan

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania: Please do not respond to any questions on this initial application that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials you submit during the application process. You will not be penalized for redacting or removing this information.

Salary

The on-target earnings range is $480,000-$520,000 per year, which includes a base salary and short-term and long-term incentives that align with individual and company performance. Actual salaries will vary based on candidates’ qualifications, skills, and competencies.

Other Details

As part of the application process, all applicants are required to take assessments. Western Union has partnered with a 3rd party provider to administer these tests. Applicants will need to provide their name and email address in order to process the assessments. If you have any questions, you may reach out to [email protected].

We are passionate about honoring our employee's identity and fostering a feeling of belonging. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

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Description

Estimated Job Posting End Date:
12-31-2026
This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.