The AVP, Digital Direct Individual Retirement (Product) will support the strategy, development, and ongoing management of Digital Direct retirement offerings for self-directed clients. This role partners closely with engineering, design, compliance, legal, operations, marketing, and service teams to deliver client-centric retirement capabilities 6 spanning account opening and funding, rollovers, contributions/distributions, beneficiary management, and retirement-related disclosures 6while meeting regulatory, risk, and business objectives.

Department Overview

In the Wealth Management division, we help people, businesses and institutions build, preserve, and manage wealth so they can pursue their financial goals

Wealth Management (WM) Platforms manages industry-leading platforms, across all WM channels and client segments, to provide a unified digital experience, unlock growth, and deliver efficiencies for Advisors, Clients, and Institutions. WM Platforms consists of ten sub-teams including: Field Experience & Platforms, Digital Client Experience & Platforms, Workplace Platforms, Automation & Workflow, Digital Trading & Investing, Generative AI, UX Design & Research, Strategy & Execution, WM Platforms Risk, and the Chief Operating Office.

What you9ll do in the role:

Product Strategy & Roadmap

• Contribute to the multi-quarter product roadmap for Digital Direct retirement experiences (e.g., Traditional/Roth IRAs, rollover flows, distribution journeys).

• Translate business goals and client needs into prioritized initiatives, supported by clear success metrics and business cases.

• Monitor market and competitive trends in digital retirement and identify opportunities to improve acquisition, engagement, and servicing.

Delivery & Execution

• Partner with technology and design to define epics/user stories, acceptance criteria, and end-to-end requirements for retirement features.

• Coordinate cross-functional delivery activities (UAT planning, launch readiness, training, and post-launch monitoring).

• Maintain strong alignment across stakeholders; proactively manage dependencies, scope, and timelines.

Client Experience & Growth

• Use data and client feedback to optimize funnels (e.g., account opening completion, rollover conversion, contribution setup).

• Support A/B testing and iterative UX improvements, ensuring changes align to risk/compliance requirements.

• Work with marketing and digital channels to enable clear client communications and education for retirement products.

Disclosures, Communications Governance, and Regulatory BAU

• Own/coordinate Retirement smart alerts, forms, and agreements across key journeys (account opening/funding, rollovers, contributions/distributions, beneficiary updates), partnering with Legal/Compliance/Marketing/Service to ensure accuracy and timely updates. (Incorporates the 9smart alerts, forms, and agreements9 ownership bullets you provided; aligns to retirement journey and disclosures scope already in the JD.)

• Operationalize governance for retirement disclosures/communications, including intake, prioritization, review/approval workflow, release management, and post-launch monitoring.

• Provide dedicated execution support for BAU regulatory updates and change requests, reducing delivery risk while protecting roadmap commitments and release timelines.

Risk, Controls, and Regulatory Support

• Ensure retirement product journeys comply with applicable regulations and internal policies (e.g., disclosures, communications review, record retention, complaint handling).

• Partner with Legal, Compliance, Risk, and Ops to identify and mitigate risks across the product lifecycle.

• Support audits, exams, and internal governance forums by providing documentation, controls evidence, and product narratives as needed.

Operational Excellence

• Help define and improve servicing and operations workflows (e.g., rollover processing, distributions, beneficiary updates, RMD-related servicing where applicable).

• Drive issue triage and root-cause analysis for production incidents; manage remediation prioritization with technology partners.

• Maintain product documentation: requirements, decision logs, process maps, and operating procedures.

Skills Required:

• 4 years + relevant experience

• Experience with digital account opening, funding, and/or rollover workflows in a brokerage or wealth platform.

• Familiarity with retirement-related regulatory concepts and disclosures (in partnership with Legal/Compliance).

• Experience improving conversion funnels and service journeys through experimentation and UX research.

• Comfort working with distributed teams and multiple stakeholder groups across product, engineering, ops, risk, and marketing.

• Product judgment and prioritization

• Stakeholder management and influence

• Structured problem-solving and attention to detail

• Risk mindset and control orientation

• Client-first mindset with strong execution discipline

• Bachelor9s degree required (Business, Finance, Economics, Engineering, or related). Advanced degree a plus.

Expected base pay rates for the role will be between $85,000 and $140,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.