Head of Digital Commerce Platforms

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, Pay Pal 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 managementTAN & 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.
$ - $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…