Principle Business Execution Consultant

About this role:

Wells Fargo is seeking a Principle Business Execution Consultant within Payments and Deposits in Consumer Banking and Lending (CBL) to help shape the future of our payments franchise. CBL serves customers nationwide through digital and online channels, retail branches, ATMs, and customer service centers. The organization is focused on innovation and transformation, placing customers at the center of the experience and enabling them to engage with Wells Fargo when, where, and how they choose through a broad range of financial products and services.

The Senior Consumer Payments Strategy leader will be responsible for developing and advancing strategic initiatives across debit, digital wallets, money movement, and emerging payments. This role will help the organization anticipate industry shifts, respond to competitive threats, and capitalize on growth opportunities. The successful candidate will combine deep payments expertise, strategic thinking, and executive influence to deliver actionable recommendations that enhance customer primacy, strengthen competitive positioning, and accelerate business growth across Consumer Banking.

Working closely with executives across Product, Finance, Risk, Technology, Operations, and Strategy, this leader will evaluate market trends, payment economics, strategic investments, partnerships, and emerging technologies. They will serve as a trusted advisor to senior leadership, translating complex industry developments into strategic decisions and leading high-impact initiatives that shape the long-term direction of Wells Fargo's consumer payments business.

The ideal candidate will bring a demonstrated curiosity and passion for emerging trends in payments, digital commerce, embedded finance, artificial intelligence, and money movement innovation.

Learn more about our career areas and business divisions at wellsfargojobs.com.

In this role, you will:

• Lead development of the Consumer Payments strategy agenda across debit, digital wallets, emerging payments, money movement, and customer engagement priorities
• Identify growth opportunities, competitive threats, and emerging industry shifts through analysis of consumer behavior, fintech disruption, and evolving payment ecosystems
• Develop executive-level strategic recommendations grounded in customer insights, market intelligence, financial analysis, and long-term industry trends
• Drive enterprise-wide initiatives that strengthen customer primacy, increase payment engagement, and enhance franchise value across Consumer Banking
• Serve as a thought leader on payment network economics, card ecosystems, digital wallets, real-time payments, and emerging payment technologies
• Evaluate strategic investments, partnerships, acquisitions, and build-versus-buy opportunities that accelerate Wells Fargo's payments strategy
• Partner with senior leaders across Product, Finance, Risk, Technology, Operations, and Strategy to align priorities and drive execution against key business objectives
• Monitor competitive developments across banks, fintechs, payment networks, technology platforms, and merchants to identify strategic implications and recommended actions
• Create executive communications, board-ready presentations, and strategic narratives that inform decision-making and influence senior leadership discussions
• Lead complex analyses of customer economics, payments profitability, market dynamics, competitive positioning, and industry trends to shape future strategic direction
• Provide vision, leadership, and industry knowledge regarding highly complex cross organizational strategic payments initiatives that significantly influence the company's business

Required Qualifications:

• 10+ years of Business Execution, Implementation, or Strategic Planning experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 10 years of Corporate and Business as well as Payments Strategy
• 10 years of experience in consumer payments, including debit and credit cards, digital wallets, payment networks, merchant payments, and emerging payment solutions.
• 10 years of experience using customer, competitive, operational, and financial insights to develop strategic recommendations and guide investment decisions.

Desired Qualifications:

• Extensive knowledge of the U.S. consumer payments landscape, including debit, digital wallets, real-time payments, card networks, merchant payments, and fintech business models.
• Experience developing payments, consumer banking, or digital strategy at a leading financial institution
• In depth understanding of payments economics, customer profitability, interchange, network incentives, and evolving industry business models
• Successfully leading cross-functional initiatives from strategy development through execution, delivering measurable business impact.
• Strong strategic thinking, analytical rigor, financial acumen, and the ability to communicate effectively with executive stakeholders.
• Expertise in influencing executives and driving strategic decisions through data-driven insights, structured problem-solving, and compelling storytelling within large, highly matrixed financial institutions.
• Expertise in evaluating strategic partnerships, acquisitions, investments, and emerging technologies within the payments ecosystem
• Track record of leading large-scale, cross-functional strategic initiatives in highly regulated and complex environments
• Exceptional executive communication skills, including the development of board-ready presentations, strategic narratives, and senior leadership materials
• Strong capabilities in financial modeling, market assessment, competitive intelligence, and business case development
• Experience partnering with product, technology, operations, risk, and finance teams to translate strategy into execution and measurable business outcomes
• Ability to thrive in a fast-paced environment, manage ambiguity, and influence outcomes without direct authority
• MBA or advanced degree in Business, Finance, Economics, Strategy, or a related field

Job Expectations:

• Hybrid work schedule
• Willingness to work on-site in accordance with current office requirements
• Ability to travel up to 5%

Posting Locations:

• 401 South Tryon Street, Charlotte, North Carolina
• 333 Market Street, San Francisco, California
• 1755 Grant St, Concord, California

Required locations listed above.

Salary Range:

• National: $185,000-$300,000 annually

Actual salary will depend on location, experience, and qualifications.

Please note: Job posting may come down early due to volume of applicants.

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. $185,000.00 - $300,000.00

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:

25 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 protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.