Finance Transformation Lead Payment Modernization

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 theres no telling what you could accomplish! We are looking for a transformational leader to help shape the financial future of one of the worlds most dynamic and influential

Were looking for a Finance Transformation Lead to focus on Payment Modernization and architect the payment infrastructure that supports Apples 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. nnA 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 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 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. nnIf you thrive in complex ambiguous environments and want your work to directly impact how one of the worlds most influential companies pays its global ecosystem this is your role.n

Lead the Payment Modernization Program. Own the end-to-end finance strategy and execution of Apples 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 with internal payments teams assessing different models evaluating service providers and navigating the regulatory landscape across multiple 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 the full lifecycle of large-scale payment and finance transformation initiatives from requirements gathering and architecture design through system implementation UAT deployment and rigorous program governance across scope timeline risk and budget management. Apply structured delivery frameworks (Agile hybrid) and ensure consistent delivery standards across the program the why and build a business case development plan for payment modernization. Collaborate with business partners and coordinate the business with Apples services teams to understand their payment requirements and ensure the modernized payment infrastructure supports their business models. Design the engine as a platform capability not a single-use solution so that it can be extended to serve new lines of business new geographies and new payment modalities as Apples ecosystem strong partnerships across a broad network of collaborators including product managers delivery leads EPMs engineering leads Treasury and services teams to ensure payment modernization initiatives are well-scoped technically sound and business-aligned. Demonstrate exceptional executive communication skills with the confidence and clarity to present complex payment programs business cases and strategic roadmaps to CFO payments regulation and compliance. Ensure payment modernization initiatives are designed with regulatory requirements embedded from the ground up including evolving payment services directives cross-border rules digital currency readiness and jurisdiction-specific requirements for complex markets. Partner with Legal Tax and treasury and tax expertise to payment design. Leverage knowledge of treasury operations (cash management liquidity FX intercompany) and tax (withholding VAT transfer pricing) to ensure payment modernization initiatives are designed with financial risk cash flow impact and compliance considerations embedded throughout. Partner closely with treasury operations the FX team and corporate tax teams to align the engine design with downstream financial with the finance transformation leads Legal Tax and payment modernization delivery is tightly aligned to the strategic direction set by domain leads and that cross-functional dependencies priorities and milestones are coordinated effectively across the broader transformation portfolio.n

10 years of experience leading complex large-scale payments treasury or finance transformation programs at an enterprise 7 years of technical product/program management experience within payments financial services FinTech or enterprise finance track record delivering large-scale payment system implementations or financial infrastructure modernization across enterprise finance in payments treasury and/or financial services and the ability to apply that expertise to the design and execution of payment modernization degree in Computer Science Business Finance or a related field.

Deep knowledge of payment systems architecture payment consolidation multi-bank routing and disbursement operations at scale ideally in a global multi-entity multi-currency of payment rails and emerging payment of treasury operations (cash management liquidity FX intercompany) and/or tax (withholding VAT transfer pricing) and how these intersect with payment system with payments regulation including payment services directives cross-border compliance AML/KYC payment licensing and evolving digital asset experience leading large-scale multi-year cross-functional programs from discovery through deployment across complex matrixed ability to influence senior engineering business and finance leaders within a matrixed with ERP systems (e.g. SAP) payment platforms automation tools and data visualization tools applied to financial operations and transformation project or program management qualification such as PMP PRINCE2 or in Accounting Finance Business Administration or a related field; an advanced degree (e.g. MBA MSc Finance) or professional accounting qualification (e.g. CPA ACA ACCA CIMA) is a or coursework in Computer Science Information Systems or a related technical discipline with an appreciation for how technology platforms data architecture and software development intersect with payment -on experience with program management tools and methodologies (e.g. Agile Waterfall hybrid frameworks) applied to enterprise-scale payments or finance communication and executive presentation skills including experience presenting complex programs business cases and strategic roadmaps to CFO-level staff and senior navigating ambiguity; a proactive problem-solver who drives issues to resolution with or without complete curiosity and a continuous improvement mindset always seeking smarter more scalable ways to operate.