Wells Fargo Consumer Banking & Lending

Wells Fargo Consumer Banking and Lending (CBL) serves customers across the country through online and digital channels, numerous retail branches, ATMs, and customer service centers. CBL is focused on innovating and transforming our business with customers at the center, better enabling them to engage with us how, when, and wherever they choose through a broad suite of financial products and services.  

The Role

The Head of Debit and Everyday Purchases is a senior executive responsible for defining and executing the strategic vision, product strategy, customer experience, and financial performance of the organization's debit card and everyday payments portfolio. This leader oversees the end-to-end ecosystem for debit cards, digital wallets, person-to-person (P2P) payments, contactless payments, tokenization solutions, rewards, and emerging payment capabilities.

This executive drives innovation, customer engagement, revenue growth, risk management, and operational excellence while strengthening primary banking relationships and increasing customer spending activity. The role partners closely with leaders across Consumer Banking, Payments, Deposits, Digital, Technology, Fraud, Risk, Operations, Marketing, and Finance to deliver differentiated customer experiences and sustainable business growth.

Key Responsibilities

Strategy & Business Leadership

• Define and execute the long-term strategy for debit and everyday payment products and experiences.
• Develop growth strategies that increase customer engagement, card activation, spending, and primary banking relationships.
• Lead portfolio performance, including revenue growth, profitability, customer acquisition, retention, and market share.
• Identify emerging market opportunities and industry trends to drive innovation and competitive differentiation.
• Serve as a key strategic leader within the Money Movement organization.

Product Management & Innovation

• Own the end-to-end product lifecycle for debit cards, digital wallets, P2P payments, contactless payments, tokenization solutions, and emerging payment products.
• Develop and execute product roadmaps aligned with customer needs, business objectives, and technology modernization priorities.
• Oversee product design, pricing strategies, benefits, rewards programs, and feature enhancements.
• Drive customer-centric innovation informed by customer insights, data analytics, market research, and competitive intelligence.
• Prioritize and manage a portfolio of strategic investments and modernization initiatives.

Customer Experience & Engagement

• Create seamless and engaging payment experiences across physical, digital, and mobile channels.
• Lead strategies that increase customer adoption, usage, loyalty, and satisfaction.
• Drive enhancements to customer onboarding, activation, servicing, and engagement journeys.
• Partner with Marketing and Digital teams to improve customer awareness, adoption, and engagement.
• Develop programs that deepen customer relationships and encourage everyday payment behaviors.

Digital Payments & Emerging Capabilities

• Lead the strategy and execution of digital wallet integrations and payment innovations.
• Drive adoption of contactless, tokenized, and mobile payment capabilities.
• Evaluate emerging technologies and trends across the payments ecosystem.
• Partner with technology teams to modernize platforms and improve speed to market.
• Ensure the organization maintains a competitive and differentiated payments offering.

Required Qualifications:

• 10+ years of Product Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 6+ years of Management experience

Desired Qualifications:

• Experience within financial services, payments, treasury management, commercial banking, or fintech organizations.
• Expertise in customer journey design, engagement frameworks, behavioral analytics, and customer lifecycle management.
• Experience leading digital transformation, customer experience optimization, or enterprise engagement programs.
• Strong knowledge of data-driven personalization and omnichannel engagement strategies.
• Ability to achieve results in a high complexity environment. 
• Executive level communications. 

Pay Range
 

Posting End Date:

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.