The posting
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 Digital Commerce Platforms is a senior executive responsible for defining and executing the enterprise strategy for digital commerce experiences, tokenization capabilities, and next-generation payment ecosystems. This leader will drive the transformation of how customers initiate, authenticate, and complete purchases across digital channels while accelerating the adoption of secure, scalable, and innovative payment technologies.
This executive oversees product strategy, commercialization, platform modernization, ecosystem partnerships, and regulatory readiness across digital wallets, tokenization, credential management, network innovation, real-time payments, and emerging commerce technologies. The role partners closely with leaders across Technology, Digital, Consumer Banking, Commercial Banking, Risk, Fraud, Operations, Finance, Strategy, and external ecosystem partners to deliver industry-leading digital payment experiences while driving growth, security, and operational efficiency.
Key Responsibilities
1. Digital Wallet Platform & Service Enablement
- Third-party wallets: Apple Pay, Google Pay, PayPal
- Bank wallets: Paze
- Digital asset wallets / digital currency / stablecoin
- Future wallet ecosystems (e.g., merchant wallets, agentic wallets)
2. Digital Credential & Tokenization Strategy
- Network tokenization & Tokenized Account Number (TAN) management
- Credential directory
- Vault management
- TAN & card-on-file management
- Token lifecycle management
3. Digital Identity & Payment Authentication
- User Authentication platforms for digital commerce (partnering closely with Digital, Tech)
- Three-Domain Secure (3DS) 2.0 including Open Authentication and emerging approaches/models
- Persistent Digital Identity Framework for digital commerce
4. Product Strategy & Roadmaps (CHANNELS)
- Customer experience for wallets, etc. (partnering closely with Digital, Debit and Credit teams)
- Security and fraud reduction for wallets, etc. (partnering closely with Financial Crime Management, Debit and Credit teams)
- GTM / adoption growth wallets, etc. (partnering with Marketing, Debit and Credit teams)
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 working with major payment networks, digital wallet providers, fintechs, and commerce platforms.
- Expertise in network tokenization, credential management, embedded finance, and digital commerce ecosystems.
- Experience leading large-scale modernization, digital transformation, or payment innovation programs.Strong understanding of consumer and commercial payment trends and emerging technologies.
- Ability to achieve results in a high complexity environment.
- Executive level communications.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$250,000.00 - $420,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
19 Oct 2026
*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.
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