Head of Debit and Everyday Purchases

Wells Fargo Bank•San Francisco, CA

About The Position

Wells Fargo Consumer Banking & Lending serves customers nationwide through online and digital channels, retail branches, ATMs, and customer service centers. It focuses on transforming its business around customers and helping them access financial products and services through the channels they choose. The Head of Debit and Everyday Purchases is a senior executive responsible for setting and executing the strategic vision, product strategy, customer experience, and financial performance of Wells Fargo’s debit card and everyday payments portfolio. The role oversees the end-to-end ecosystem for debit cards, digital wallets, person-to-person payments, contactless payments, tokenization solutions, rewards, and emerging payment capabilities. The leader drives innovation, customer engagement, revenue growth, risk management, and operational excellence, while strengthening primary banking relationships and increasing customer spending activity. The role partners with leaders across Consumer Banking, Payments, Deposits, Digital, Technology, Fraud, Risk, Operations, Marketing, and Finance to deliver differentiated customer experiences and sustainable business growth. It also serves as a key strategic leader within the Money Movement organization.

Requirements

10+ years of Product Management experience, or equivalent demonstrated through work experience, training, military experience, education, or a combination of these.
6+ years of Management experience.
Executive-level communications.
Ability to achieve results in a high-complexity environment.

Nice To Haves

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.

Responsibilities

Define and execute the long-term strategy for debit and everyday payment products and experiences.
Develop growth strategies to 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.
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 strategic investments and modernization initiatives.
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.
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.
Execute applicable risk programs and follow Wells Fargo policies and procedures, fulfill risk and compliance obligations, escalate and remediate issues, and make sound risk decisions.
Support proactive monitoring, governance, risk identification and escalation, and decisions consistent with business risk appetite and risk and compliance program requirements.