Senior Consultant - Payments & Credit Card

Capco • New York, NY

96d • $125,000 - $143,000

About The Position

As a Senior Consultant on the Banking and Payments team, you will work in a fast-paced team setting, alongside industry experts, to craft optimal strategies used to solve complex client problems. Your insights will influence actions taken by managers and executives, both proactively and in real-time problem-solving situations, within broad scale programs.

Requirements

• 5+ years of professional experience working in the financial services and/or management consulting industry.
• Experience in commercial, retail and/or private banking, cash management, merchant services, and front to back-office operations.
• Proven expertise working with major card networks (Visa, MasterCard, American Express, Etc.) and knowledge of their operating regulations and compliance requirements.
• Experience with business and/or technology architecture for payments functions such as checks, ACH, Wire, Credit Card, Debit Card, and Money Movement.
• Consumer and Small Business Deposit Payment Products experience (e.g. Bill Pay, Zelle, Bank to Bank).
• Understanding of legacy and emerging payment areas (including Real Time Payments, Payment Hubs, ISO 20022 Standards, and Open Banking).
• Strong familiarity with PCI-DSS compliance, payment security standards, and regulatory frameworks impacting payments (e.g., PSD2, GDPR).
• Expert knowledge of both Agile and other project or program management SDLC principles, tools, and templates (e.g., JIRA, Confluence).
• Ability to effectively lead team members to ensure the completion of project deliverables with requisite quality and in a timely manner.
• Bachelor's degree required.

Responsibilities

• Lead or support client engagements focused on credit card product strategy, digital payments, issuing/acquiring models, and market entry or expansion.
• Develop frameworks, approaches, solutions and recommendations that effectively and efficiently address the most impactful opportunities and challenges related to business process or technology systems, including their implementation, administration or optimization.
• Define and execute strategic roadmaps to modernize core card systems (e.g., origination, authorization, settlement, rewards) and enable digital-first experiences.
• Analyze end-to-end credit card value chains — from origination and onboarding to transaction processing, fraud management, and collections.
• Lead diagnostic assessments of current-state payment systems, customer journeys, and operating models to identify transformation opportunities.
• Assist project teams in measuring current business or operational performance and forecasting improvements based on Capco's recommendations.
• Facilitate the collaboration and coordination between business and technology to deliver on client end-to-end objectives.
• Work as part of team leveraging agile and modern software delivery techniques.
• Produce insights, analyses, and recommendations to improve client business or operational performance, drive understanding of client issues and provide strategic guidance related to various financial products.
• Build new solutions, toolkits, documents, and consulting approaches that can be applied across Capco's Banking & Payments practice.

Benefits

• Medical, dental and vision insurance.
• 401(k) plan.
• Tuition reimbursement.
• Work culture focused on innovation and creation of lasting value for clients and employees.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Chemical Manufacturing
• Education Level: Bachelor's degree