Functional Consultant – Treasury, Payments Transformation

Role Overview

• Act as the primary payments SME for treasury engagements, advising on products, workflows, and operations
• Analyze and optimize end-to-end payment lifecycles, from initiation through settlement and reporting
• Evaluate payables, receivables, and liquidity workflows to identify modernization opportunities
• Develop client-ready payment solutions across ACH, wires, RTP®, FedNow®, and integrated payables/receivables
• Deliver insights using payment metrics (SLAs, failure rates, processing trends)
• Advise on emerging trends such as real-time payments, open banking, and embedded finance
• Design and validate end-to-end payment architectures across banking platforms and ecosystems
• Collaborate with technology teams to define:
• Data flows, APIs, and system integrations
• Message mapping (ISO 20022, SWIFT MT/MX, NACHA)
• Lead integration strategies across:
• Core banking platforms
• ERP systems (SAP, Oracle, Workday, etc.)
• Payment networks and external partners
• Support development of payment orchestration solutions (routing, validation, enrichment, exception handling)
• Drive API-led and file-based connectivity (Host-to-Host, SFTP, SWIFT FileAct)
• Contribute to modern, cloud-native payment architectures and microservices-based platforms
• Serve as the bridge between business, operations, and technology teams
• Partner with product, treasury, compliance, and client teams to align solutions with business goals
• Support client advisory, presentations, and solution workshops with corporate treasury stakeholders
• Contribute to RFPs, proposals, and go-to-market initiatives
• Provide thought leadership via whitepapers, training, and industry insights
• Mentor junior team members and support agile delivery practices
• Identify opportunities to improve efficiency, automation, and scalability across payment operations
• Build business cases and ROI models for transformation initiatives
• Evaluate and recommend new technologies:
• Real-time payment analytics
• AI/ML-driven fraud detection
• Optimize payment orchestration flows to improve performance and reduce errors
• Establish SOPs, playbooks, and best practices for operational excellence
• Provide expert support for complex payment issues and escalations
• Investigate failures across payment rails (ACH, wires, SWIFT, RTP, FedNow)
• Conduct root cause analysis (RCA) and implement preventive solutions
• Support audits and compliance with proper documentation and controls
• Monitor transaction health, SLAs, and system performance metrics

Requirements

• 10–15+ years of experience in Treasury Management, Payments, or Cash Management
• Experience working for a consulting services company is required.
• Prior payments consulting, solution architecture, or pre-sales experience within banking, fintech, or financial services.
• Strong understanding of treasury management products including liquidity management, Controlled disbursement, lockbox, integrated receivables, Positive Pay, and fraud mitigation tools.
• Proven client-facing consultative skills with ability to translate complex payment technology into business-relevant recommendations and treasury executives.
• Master’s degree (MBA or Finance/Technology-related field) preferred

Tech Stack

• Cloud
• ERP
• Microservices
• Oracle
• Ruby on Rails
• Swift