Senior Consultant, Business Consulting - Payments Transformation

The Role As a Senior Consultant, you will work on strategic programs dealing with complex, industry-specific requirements, while further deepening knowledge in your respective area of specialization. You will independently deliver high-quality solutions and actively build key client relationships. Responsibilities Detailed understanding and knowledge of ISO 20022 message standards. Have hands‑on exposure to CBPR+ and FEDNOW/FEDWIRE demands for ISO 20022 through at least one full program completed and delivered. Deep knowledge of SWIFT, RTGS, SEPA, ISO 20022, reconciliation, disputes across geographies. Expert in payment lifecycle. Experience with clearing, settlement, refunds, chargebacks. Data solutions for payments monetization, data quality and lineage (can be separate specialist or in combination). RTP implementation experience through products like FINASTRA, FISERV, etc., will be a definite advantage. Define target payment journeys (P2P, P2M, mandates/AutoPay, disputes/chargebacks, refunds, reconciliation) with STP and CX targets. Translate stakeholder requirements into BRDs, FRDs, EPICs for CBPR+/ISO 20022, RTP rails, RTGS and ACH rails. Decent awareness of tech stack under the hood and architectural awareness will be a significant plus for making the hiring opportunity more successful (coverage – micro‑services construct, cloud deployment knowledge, etc.). Develop rules and data requirements for fraud, AML, sanctions, risk scoring, and consent. Partner with architects to map data lineage (events, telemetry, audit trails). Drive UAT, readiness, and go‑live acceptance with measurable KPIs. Gather and analyze business requirements, processes, design and develop data maps required to support technology transformation initiatives. Collaborate with cross‑functional teams across the client organization and Infosys on technology transformation programs and initiatives. Manage end‑to‑end project execution, stakeholder communication and minimize engagement risk by proactively identifying issues and recommending courses of remediation. Support business development activities ranging from leading or contributing to proposals and developing propositions. Experience with AI‑assisted tools and automation to accelerate analysis, documentation, testing, and delivery. Proficiency with analytics/visualization (Power BI, Tableau); exposure to risk management and data warehousing platforms. Develop market relevant points of view to generate and sustain presence in the marketplace. Basic Qualifications Bachelor's degree or foreign equivalent required. Minimum 5 years of relevant experience with at least 3 years of management consulting experience at a top‑tier consulting firm. Experience in product management/business analysis within financial services, with hands‑on payment engine delivery experience (consulting preferred) and a proven agile track record delivering complex platforms. Experience in one or more domain areas – B2B Payments, Disbursements, Card Payments, Consumer/Retail Payments across origination, processing, clearing and settlement, servicing, and messaging. Hands‑on experience with one or more of ISO 20022, electronic payments (Wires, ACH, Immediate Payments) in multiple geographies, Cross‑Border Payments, Credit Card payments, Wallets is a must‑have. Hands‑on experience with market‑leading payment hub products and card processors is a plus. At least one or two cycles of bank‑level payments modernization programs experience. Good knowledge and solution implementation experience of products and custom solutions for Fed WIRES, Canada Lynx and SWIFT cross‑border payment (high value payment solutions). Ability to travel as needed (typically up to 4 days/week) to client locations. Candidates authorized to work for any employer in the United States without employer‑based visa sponsorship are welcome to apply. Infosys is unable to provide immigration sponsorship for this role at this time. Preferred Qualifications Certifications are preferred, such as from the Bank of International Settlements/FED or any other internationally recognized institutes. MBA or economics major at graduate level. 3–5 years of experience working on change initiatives in banking or payment services firms, working either directly or with a reputed professional services firm. Exposure to real‑time payments, RTP and FEDNOW would be an added advantage, or they can be looked at exclusive RTP requirements position. Good knowledge and liquidity management (Nostro/Vostro) accounts and any solutions. Experience in executing programs using Agile methodologies. Prior experience with market‑leading payment hub products, payment processors, and card processors. Strong knowledge of one or more payment schemes for high value, mass payments, immediate payments, and P2P payments. Firm building experiences through pre‑sales, thought leadership, industry research, and visibility through industry forums. The estimated total annual compensation (Base + Bonus) range for candidates based out on NJ, IL, NY, CA & WA will be $116,875 – $148,125. #J-18808-Ljbffr Fairygodboss