Senior Money Movement Analyst, Cash & Savings

The Senior Money Movement Analyst will play a critical role in advancing Vanguard's money movement strategy (Cash Plus and Brokerage) by identifying and reducing client friction, modernizing policies and controls, supporting vendor initiatives, and driving cross-functional execution across the money movement ecosystem. This role serves as a strategic connector between Product, Operations, Fraud, Risk, Compliance, Technology, and Client Experience teams to ensure Cash Plus and Brokerage money movement capabilities are delivered through a unified and client-centric approach.

The ideal candidate will combine strong analytical capabilities, organizational effectiveness, and stakeholder influence to translate strategic priorities into actionable execution plans that improve client outcomes and operational efficiency.

• Lead requirements gathering, dependency management, and execution planning for strategic money movement initiatives.
• Identify and track key decisions, risks, milestones, and action items across multiple initiatives and stakeholder groups.
• Develop and deliver executive-level updates, business cases, recommendations, and supporting analyses to facilitate informed decision-making.
• Hold stakeholders accountable to commitments, timelines, and agreed-upon outcomes while fostering strong cross-functional partnerships.

• Drive coordination across Fraud, Operations, CXD, Product, Technology, and servicing teams to align strategic priorities and execution plans.
• Facilitate decision-making processes that bring together diverse stakeholder perspectives and drive progress toward shared outcomes.
• Translate strategic objectives into sequenced initiatives, actionable plans, and measurable deliverables.
• Identify and resolve gaps, overlaps, and conflicting priorities across programs and work streams.

• Identify opportunities to reduce money movement friction and improve the end-to-end client experience across funding, transfers, withdrawals, and payment journeys.
• Analyze existing policies, limits, and servicing practices to recommend enhancements that balance client experience, risk management, and operational efficiency.
• Lead modernization of money movement policies and controls to align with evolving client expectations and industry capabilities.
• Evaluate emerging trends, client feedback, and operational insights to inform strategic recommendations and roadmap priorities.

• Lead evaluations alongside Fraud, Risk, Compliance, and Product teams to assess the impact of new fraud detection and prevention capabilities on the money movement experience.
• Support the integration of new fraud vendors and controls into existing product, operational, and policy frameworks.
• Evaluate trade-offs between risk mitigation and client experience and identify solutions that support enterprise objectives.
• Identify and lead resolution of dependencies and program-level decisions, balancing operational impacts associated with fraud and risk initiatives.

• Lead vendor analysis coordinating across Product, Operations, Technology, Fraud, Risk, Compliance, and Client Experience teams to ensure successful identification and deployment of vendor-driven capabilities.
• Drive solution implementation, managing dependencies, and operational readiness activities.

• 5+ years of experience in product strategy, payments, money movement, financial services, operations, consulting, or program management.
• Strong understanding of money movement ecosystems, including ACH, transfers, fraud controls, payment operations, and client servicing processes.
• Demonstrated ability to lead complex cross-functional initiatives involving Product, Operations, Fraud, Risk, Compliance, and Technology teams.
• Proven ability to influence and drive alignment across diverse stakeholder groups.
• Excellent communication and presentation skills with the ability to explain complex concepts to both technical and non-technical audiences.
• Strong analytical, organizational, and problem-solving capabilities.

• Experience in fraud prevention, money movement, banking, payments, or wealth management.
• Knowledge of regulatory and compliance considerations related to money movement activities.
• NACHA certification or related payments expertise preferred.
• Undergraduate degree or equivalent combination of training and experience. Graduate degree preferred.

Vanguard is not offering visa sponsorship for this position.

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