Business Transformation FSO Consumer Banking-Senior

EY•Charlotte, NC

2d•$97,300 - $202,600

About The Position

EY’s Financial Services Organization (FSO) Business Transformation practice helps financial services clients improve performance through strategic operations, technology, product, data, compliance and risk programs. Its Consumer Banking practice supports retail banks in transforming customer acquisition, service and retention; modernizing products and customer journeys; and embedding data, AI and automation into business operations. The work spans retail deposits, consumer lending, operating model design, process re-engineering, platform modernization, digital workflows and AI-enabled customer experiences, with engagements ranging from short focused efforts to large-scale transformation programs. As a Senior Consultant, you will work on strategic and operational challenges for consumer banking clients and build deep industry expertise. The role primarily involves operational and technical client work, understanding client needs and goals, and receiving direction from project teams and client resources. EY welcomes both bank operators with hands-on consumer banking experience and consulting, advisory or transformation professionals who have delivered change for banks. Prior consulting experience is appreciated but not required. The position also values practical use of modern AI tools in everyday work and interest in applying them to client work. The role is based in Charlotte, Dallas or New York. Client travel, potentially international, may be required up to approximately 50% over the course of a year. Candidates must be legally authorized to work in the United States without current or future employer sponsorship. EY offers a competitive compensation package, with salary ranges varying by office location, along with medical and dental coverage, pension and 401(k) plans, flexible vacation and other paid time off, training and development, and well-being programs.

Requirements

Bachelor’s degree and approximately 2–6 years of related work experience.
Relevant experience in either consulting, advisory or transformation project delivery, ideally within financial services, or hands-on consumer banking, retail bank operations, product management, customer experience, or consumer lending and servicing operations.
Strong written and verbal communication, presentation, client-service and technical-writing skills.
Genuine interest in deepening industry and content knowledge in consumer banking.
Ability to travel, likely up to approximately 50% over the course of a year; travel may be international.
Legally authorized to work in the United States without the need for employer sponsorship, now or in the future.
Collaborative team approach, adaptability in a dynamic environment, initiative to take on new challenges, and ability to learn quickly.
Strong communication, critical-thinking, analytical and organizational skills, with a focus on exceptional client service.
Curiosity about using technology, data and AI to work more effectively and willingness to use modern AI tools in day-to-day work.
Ability to mentor and support peers and junior team members.

Nice To Haves

Hands-on experience applying AI tools such as Microsoft Copilot, Claude, ChatGPT or Replit to research, analysis, drafting, prototyping or automation.
Experience with target operating model design, process re-engineering, current- and future-state assessment, or gap analysis.
Exposure to deposits, consumer lending, servicing operations, core banking modernization, system conversions or customer migration.
Knowledge of consumer banking products and operations, including deposits, cards, payments, consumer lending, servicing and customer experience.
Experience supporting business cases, benchmarking or KPI/value frameworks for a transformation program.

Responsibilities

Support delivery of a project workstream and create and review high-quality work products.
Help ensure consistent delivery across peers and team members, and respond to client requests.
Contribute analysis for current- and future-state assessments, operating model designs, benchmarking and business cases.
Coach and mentor newer team members and campus hires, sharing knowledge and helping them ramp up.
Foster client relationships at appropriate levels.
Contribute to internal EY initiatives, points of view and business development, in addition to client-facing work.
Help clients address strategic and operational challenges in consumer banking, including transformation of products, customer experiences, operations, technology and data-enabled capabilities.