Payments Transformation Senior Consultant
Position Overview
We are seeking a highly skilled and strategic Payments Transformation Senior Consultant to join our growing team. This role necessitates deep knowledge of payment systems such as ACH, SWIFT, and real-time payments. This is a “hands-on” delivery role in which you will partner with clients to assess their payment processing needs, design tailored solutions, and participate in end-to-end transformational projects leading workstreams or small projects within the overall project/program. This is a client-facing, advisory role requiring exceptional communication, problem-solving, and project management skills.
About the team:
Working in the Banking and Payments domain at Capco extends well beyond a traditional consulting role – we focus on developing talent within a supportive environment while simultaneously challenging tomorrow’s leaders to partner with our clients and shape the future of financial services. At Capco, we deliver innovative solutions that shape market-leading strategies through implementing advanced technology with modern methods. Our experience across the ecosystem of banking segments, products, customer experiences, and supporting infrastructure has strengthened our reputation for innovation within the industry. We partner with retail, commercial, and private banks with capabilities including but not limited to mortgage issuance, lending, treasury management, and payments.
The team offers our clients the support and guidance they need to compete in an industry that has and continues to experience rapid modernization and change. Whether our clients are seeking to enhance operational performance, accelerate change, or transform the customer experience, our goal is to help them emerge as industry leaders and meet or exceed their business goals.
Key Responsibilities
- Act as an advisor to clients, understanding their business strategies, operational challenges, and payment processing objectives.
- Participate in providing strategic recommendations for optimizing payment operations, leveraging systems like SWIFT, ACH, SEPA, and emerging real-time payment networks.
- Align payment solutions with clients’ long-term goals, ensuring scalability, efficiency, and compliance with industry regulations.
- Facilitate workshops and stakeholder alignment sessions to gather requirements and drive consensus on project priorities.
- Participate in the integration of payment platforms with client systems, including ACH, SWIFT, ISO 20022, and custom APIs.
- Ensure all configurations meet compliance standards, including NACHA, SWIFT security, PCI-DSS, and regional regulations.
- Assess and redesign payment workflows to optimize efficiency and reduce operational costs.
- Assist in guiding clients through change management initiatives, ensuring smooth adoption of new payment processes and technologies including providing training and knowledge transfer to empower clients’ teams post-implementation.
- Develop and execute testing strategies for end-to-end validation of system functionality and payment accuracy.
- Identify and mitigate risks related to payment system integration, including fraud prevention and security vulnerabilities.
Requirements
Education and Experience:
- Bachelor’s degree or similar equivalent work experience
- 4+ years Banking domain experience in the payments field as a business analyst, project manager or similar role.
- 4+ years in payment networks, including ACH, SWIFT, SEPA, and real-time payment systems.
- 4+ years project management experience managing workstreams and associated resources and delivering on tight timelines.
Preferred Qualifications:
- Prior experience in a management consulting environment (Big 4 or similar) with strong consulting mindset, including strategic problem-solving, data-guided decisioning, and executive-level presentation skills.
- Deep technical knowledge of payment platforms, financial messaging standards (ISO 20022, NACHA, MT/MX), and API integrations.
- Experience with SaaS or cloud-based payment platforms.
- Familiarity with Agile and Waterfall project management methodologies.
- Certifications in payment systems, such as Accredited ACH Professional (AAP) or SWIFT Certified Specialist, are a plus.
Join our team to lead transformative projects and shape the future of payments!
Why Capco?
A career at Capco is a chance to help reshape the competitive landscape in financial services. We launch new banks, transform existing ones, and help our clients navigate complex change. As consultants, we work on the front-end business design all the way through to technology implementation.
We are the largest Financial Services focused consultancy in the world, serving everyone from global banks to emerging FinTechs, from strategy through digital transformation, design, business consulting, data and analytics, cyber, cloud, technology architecture, and engineering.
Capco is a young and growing firm. We maintain an entrepreneurial spirit and growth mindset, and have minimal bureaucracy. We have no internal silos that get in the way of your career opportunities or ability to focus on our clients and make a difference to the business. We offer the opportunity for everyone to learn rapidly, take on tough challenges, and get promoted quickly. We take pride in our creative, collaborative, diverse, and inclusive culture, where everyone can #BYAW.
We offer highly competitive benefits, including medical, dental and vision insurance, a 401(k) plan, tuition reimbursement, and a work culture focused on innovation and creation of lasting value for our clients and employees.
Ready to take the Next Step
If this sounds like you, we would love to hear from you. This is an opportunity to make a difference and contribute to a highly successful company with a significant growth trajectory.
We have been informed of several recruitment scams targeting the public. We strongly advise you to verify identities before engaging in recruitment related communication. All official Capco communication will be conducted via a Capco recruiter.
#LI-TJ1
New York Pay Range
$106,000—$140,000 USD
What We Do
Capco, a Wipro company, is a global management and technology consultancy specializing in driving transformation in the energy and financial services industries. Capco operates at the intersection of
business and technology by combining innovative thinking with unrivalled industry knowledge to fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance,
and the energy sector. Capco’s cutting edge ingenuity is brought to life through its award-winning Be Yourself At Work culture and diverse talent.
TRUSTED ADVISORS - Our collaborative and entrepreneurial approach position us as trusted long-term partners to our clients.
DEEP EXPERTISE - Clients look to us for clear guidance, proven expertise, and the support they need to set their companies up for success.
DISRUPTIVE SOLUTIONS- We do not provide off -the-shelf answers to clients’ challenges. Instead, we work in close collaboration to understand the issues, and craft disruptive, bespoke solutions.
ACCOUNTABILITY AND OWNERSHIP - We recognize every client has distinct needs and expectations, and we take ownership and accountability for the solutions we design, build, and deliver.
Why Work With Us
We support and encourage an inclusive culture, entrepreneurial outlook and independent thinking. Capco is not about organizational charts and rigid hierarchies – we want all employees to feel that Capco is their firm to own and run. We believe diversity powers innovation. Be Yourself At Work (#BYAW) is an integral and underlying part of our culture
Gallery
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Capco Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.