Senior Consultant - Payments Transformation

About the Team: 

Capco is a global business and technology consultancy, focused on the financial services sector. We are passionate about helping our clients succeed in an ever-changing industry.

Working in Banking and Payments 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 commercial banks with capabilities including but not limited to lending, deposits, treasury / cash management, online banking, 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.

About the Job:

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.

What You'll Get to Do:

• 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.

What You'll Bring with You:

• 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 working with 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.
• 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.

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.

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