Senior Lead Digital Product Manager - Authentication

About This Role
This role sits within Wells Fargo Wholesale Digital, the organization responsible for delivering secure, scalable digital platforms for the bank's Commercial Banking (CB) and Corporate & Investment Banking (CIB) clients. These businesses serve middle-market, large corporate, and institutional clients who depend on Wells Fargo's digital capabilities to manage cash, execute transactions, and operate their businesses at scale. Within Wholesale Digital, CB/CIB Digital drives the end-to-end digital experiences that enable trusted interactions across web, mobile, APIs, and internal platforms. Operating in a highly regulated environment, this group balances security, usability, and performance to support some of the most complex financial workflows at the bank.
As Lead Digital Product Manager, you will serve as the single-threaded owner for authentication strategy and platform execution, defining how customers and employees securely access Wells Fargo's wholesale digital experiences today and in the future. You will lead initiatives spanning identity verification, multi-factor and adaptive authentication, token and credential modernization, device trust, and risk-based access-partnering closely with engineering, cybersecurity, fraud, risk, and design leaders.
This role requires deep expertise in authentication and identity platforms-or a strong product and data background focused on authentication-driven experiences-combined with the ability to lead enterprise-scale modernization efforts end to end.
Why This Role Matters
Authentication is the front door to every digital interaction-and sits at the intersection of trust, security, and user experience. In Wholesale Digital, the authentication platform protects high-value client relationships, safeguards the bank, and enables digital growth across CB and CIB.
In this role, you will define how millions of secure interactions occur across Wells Fargo's wholesale ecosystem, setting the foundation for modern digital access while navigating evolving threats, regulatory expectations, and client needs. This is a rare opportunity to build and modernize an enterprise authentication platform at scale, influence executive decision-making, and shape the future of secure digital experiences in one of the world's largest financial institutions.
Key Responsibilities
Product Strategy & End-to-End Execution

• Own the enterprise authentication product vision, strategy, and multi-year roadmap, aligned to business growth, risk posture, and customer experience outcomes
• Lead the end-to-end modernization of the authentication platform-from legacy tooling through future-state architecture and experience delivery
• Translate complex business requirements, risk signals, and customer journeys into scalable, reusable authentication capabilities
• Evaluate and integrate emerging authentication technologies including passkeys, biometrics, device intelligence, and behavioral signals
• Drive outcome-oriented execution from ideation through delivery, measurement, and iteration

Authentication, Identity & Security Leadership

• Define and evolve strategies for:
  • Multi-factor and adaptive authentication
  • Token lifecycle management (hardware and software)
  • Step-up and risk-based authentication experiences
  • Device binding and device trust frameworks
• Lead the transition away from legacy authentication methods toward modern, customer-friendly, fraud-resilient approaches
• Partner deeply with cybersecurity, fraud, and enterprise risk teams to ensure authentication journeys meet security, regulatory, and compliance standards
• Balance friction, assurance, and fraud prevention using data-driven decisioning

Executive Leadership & Cross-Functional Influence

• Act as a leader in enterprise planning, platform transformation, and large-scale digital initiatives
• Lead and influence cross-functional teams spanning engineering, architecture, design, fraud, risk, legal, and operations
• Clearly articulate complex authentication concepts to senior executives through compelling storytelling, metrics, and insights
• Mentor and develop product managers while elevating product management maturity across the organization

Analysis, Decision-Making & Ambiguity Navigation

• Review and assess complex digital strategies, platform investments, and customer journeys
• Make principled decisions that weigh:
  • Customer experience and accessibility
  • Security posture and fraud risk
  • Regulatory and compliance requirements
  • Operational scale and technical constraints
• Navigate ambiguity with confidence, solving problems that involve multiple stakeholders, competing priorities, and evolving risk landscapes
• Use data, experimentation, and insight to continuously refine authentication experiences

Required Qualifications

• 5+ years of digital product management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 5+ years' experience related to authentication, identity, or IAM platforms

Desired Qualifications

• Experience with passkeys (FIDO2), biometrics, device binding, or adaptive authentication models
• Strong working knowledge of:
  • Multi-factor authentication (MFA)
  • Authentication tokens (hardware and software)
  • Identity and access management (IAM) concepts
• Proven leadership of enterprise-scale, cross-functional initiatives with material customer or risk impact
• Experience modernizing or replacing legacy authentication platforms
• Background in financial services, fintech, or another highly regulated environment
• Familiarity with risk-based authentication, fraud detection, or digital identity platforms
• Executive-level communication skills with the ability to influence senior stakeholders
• Demonstrated ability to translate complex technical solutions into clear business and customer value
• Strong analytical mindset with experience using data, experimentation, and signals to drive product decisions

Job Expectations
Candidate must be willing to work onsite at one of the locations listed below.
On-Site Locations:
333 Market Street; San Francisco, CA
550 S Tryon St; Charlotte, NC
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.
$119,000.00 - $224,000.00
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:
26 Apr 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.