Finance Transformation Lead, Modernization

Finance Transformation Lead, Payment Modernization

Cupertino, California, United States Corporate Functions

Imagine what you could do here. At Apple, new ideas have a way of becoming great products, services, and customer experiences very quickly. Bring passion and dedication to your job and there's no telling what you could accomplish! We are looking for a transformational leader to help shape the financial future of one of the world's most dynamic and influential companies.

We're looking for a Finance Transformation Lead to focus on Payment Modernization and architect the payment infrastructure that supports Apple’s various lines of business. You will drive the finance strategy and execution of large-scale initiatives that modernize how Apple routes, and disburses payments to partners across multiple legal entities, currencies, and storefronts globally. This is a rare opportunity to sit at the intersection of finance, technology, and payments innovation.

A core element of this role is building the foundation a modern, in-house payment platform that enables real-time payments, real-time statements, multi-bank and multi-rail routing, and the flexibility to onboard new payment rails. This foundation will serve as a scalable platform capability that supports all Apples lines of business.

You will champion the “why” building compelling, rigorous business cases that articulate the strategic rationale for investing in payment modernization, from eliminating risk to unlocking new revenue streams. You will deliver against those business cases with discipline and accountability, and communicate roadmaps and strategy with clarity and conviction at all levels including CFO staff presentations.

The ideal candidate brings a strong foundation in technical program/product management for payments, treasury, and/or financial services, combined with a proven ability to deliver large-scale transformation programs. You will partner closely with product managers, delivery leads, EPMs, engineering leads, treasury operations, and business partners across the company to drive the adoption of next-generation payment technologies.

If you thrive in complex, ambiguous environments and want your work to directly impact how one of the world’s most influential companies pays its global ecosystem, this is your role.

• Lead the Payment Modernization Program. Own the end-to-end finance strategy and execution of Apple's payment modernization initiative. Drive the design and delivery of the payment engine, the foundational architecture that controls payment routing, timing, and rail selection across all Apple lines of business.
• Partner with internal payments teams, assessing different models, evaluating service providers, and navigating the regulatory landscape across multiple jurisdictions.
• Define and own the payments transformation roadmap. Develop and articulate a clear, multi-year vision and roadmap for payment modernization covering architecture. Translate strategy into executable programs with measurable outcomes. Ensure portfolio-level prioritization aligns with business objectives and that the roadmap supports both near-term competitive parity and longer-term opportunities.
• Own the full lifecycle of large-scale payment and finance transformation initiatives, from requirements gathering and architecture design through system implementation, UAT, deployment, and adoption.
• Maintain rigorous program governance across scope, timeline, risk, and budget management. Apply structured delivery frameworks (Agile, hybrid) and ensure consistent delivery standards across the program portfolio.
• Champion the “why” and build a business case development plan for payment modernization. Collaborate with business…