Senior Money Movement Analyst, Cash & Savings

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.

Key Responsibilities

Program Execution & Governance

• 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.

Ecosystem Orchestration & Roadmap Alignment

• 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 workstreams.

Money Movement Strategy & Client Experience

• 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.

Fraud & Risk Ecosystem Integration

• 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.

Vendor Strategy & Capability Implementation

• 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.

Qualifications

• 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.

Preferred Qualifications

• 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.

Special Factors

Sponsorship

Vanguard is not offering visa sponsorship for this position.

About Vanguard

At Vanguard, we don't just have a mission—we're on a mission.

To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.

How We Work

Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.