Business Transformation FSO Consumer Banking-Senior

Location: Charlotte, Dallas, New York

At EY, we’re all in to shape your future with confidence. 

We’ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go.  Join EY and help to build a better working world.

EY is the only professional services firm with a separate business unit – the Financial Services Organization (FSO) – dedicated exclusively to the financial services marketplace. Our FSO Business Transformation practice helps global, super-regional and regional financial services clients improve performance in a rapidly changing environment. We assemble experienced, multidisciplinary teams, apply proven global methodologies, and draw on the full breadth of EY’s reach, capabilities and knowledge to deliver on strategic operations, technology, product, data, compliance and risk programs for leading U.S. institutions.

Our Consumer Banking practice is EY’s retail banking transformation franchise. We help banks reimagine how they attract, serve and retain customers, modernizing products and experiences, transforming end-to-end customer journeys and operations, and embedding data, AI and automation into the way they run their businesses. Our engagements range from focused, multi-week efforts to large-scale, multi-year transformation programs. While the areas below represent our core strengths, clients also look to us for support across a broad range of their most pressing challenges:

• Retail deposits, product innovation and customer experience transformation

• Consumer lending transformation across mortgages, home equity, cards, auto and personal lending

• Target operating model design, process re-engineering and cost optimization

• Core banking, loan origination and servicing platform modernization and migrations

• Data and technology enablement, digital workflows and intelligent automation

• AI- and agentic-enabled customer experiences and operating models

Increasingly, our work – and our clients’ ambitions – are being reshaped by AI. We build the business cases, points of view and value frameworks that help clients unlock capacity across their operations, and we invest heavily in bringing modern AI tooling into our own ways of working.

As a Senior Consultant, you will be part of a fast-moving, high-growth practice that offers variety, challenge, responsibility and the opportunity to realize your leadership potential. You will help solve clients’ most challenging strategic and operational problems while building deep content expertise in the consumer banking space. If you want to serve marquee clients, work with talented colleagues and reach your full potential, EY Consulting is for you.

We are looking for people who bring real depth in Consumer banking, and we recognize that depth is built in more than one way. We are equally interested in candidates from two backgrounds:  bank operators — people who have worked inside a bank in consumer lending, underwriting or loan servicing; deposits, cards or payments; product management, customer experience, fraud and risk; or other retail banking operations and business-line roles, and who understand first-hand how the work actually gets done — and consulting and advisory professionals who have delivered transformation, operating model, process or technology change for banks, whether from a consulting firm, an internal strategy or transformation team, or a vendor or fintech serving the industry.

Prior consulting experience is appreciated, but it is not a requirement. If you have spent your career inside a bank rather than advising one, we encourage you to apply. We will teach you the consulting toolkit, and we value the operating experience and industry credibility you bring to our clients from day one. Across both tracks, our ideal candidate is already putting AI to work using tools such as Microsoft Copilot, Claude and Replit to research faster, sharpen analysis, and draft and prototype ideas — and is eager to help us bring that same thinking to our clients.

Your key responsibilities

As a Senior Consultant, you’re likely to spend most of your time on the operational and technical aspects of client work, developing an in-depth understanding of our clients’ unique needs and goals. You will get direction and guidance from both the project team and client resources. Specifically, you will:

• Support the delivery of a project workstream, creating and reviewing high-quality work products

• Help ensure consistent delivery across peers and team members, and respond to client requests

• Contribute to the analysis behind the story by supporting current-/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

• Foster client relationships at appropriate levels

• Contribute to internal EY initiatives, points of view and business development, in addition to client-facing work, to further the development of our brand, our business and our people

Skills and attributes for success

• A collaborative team player who thrives working alongside others rather than as an individual contributor

• Comfortable in a dynamic, flexible environment – able to balance multiple commitments and shifting priorities

• Proactively seeks out opportunities to take on new things and stretch and grow your skillset

• Ability to learn and adapt quickly to new scenarios, content and circumstances

• Consistently mentor and support your peers and junior resources

• Strong communication, critical-thinking, analytical and organizational skills, and a relentless focus on exceptional client service

• Curiosity about how technology, data and AI can be used to work smarter – and a willingness to bring modern AI tools into your day-to-day work

To qualify for the role, you must have

• A bachelor’s degree plus approximately 2-6 years of related work experience

• Relevant experience through one of two tracks: consulting, advisory or transformation project delivery, ideally within financial services; or hands-on experience in 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, coupled with a genuine interest in deepening industry and content knowledge in the consumer space

• The ability to travel – you will likely spend time on-site with our clients, up to approximately 50% over the course of a year, and travel may be international

• Candidates must be legally authorized to work in the U.S. without the need for employer sponsorship, now and in the future

Ideally, you’ll also have

The following are preferred but not required – we are just as interested in your potential and your willingness to learn:

• Hands-on experience applying AI tools such as Microsoft Copilot, Claude, ChatGPT or Replit to everyday work, from research and analysis to drafting, prototyping and automation

• Experience with target operating model design, process re-engineering, current-/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

What we look for

We’re interested in curious, self-motivated people who bring a genuine point of view and the drive to make it happen. You’ll have plenty of autonomy in this role, so you’ll also need the initiative to seek out opportunities to improve our current relationships, our ways of working and our team. If you have a genuine passion for helping financial institutions better serve their customers  – and for growing alongside the talented people around you – this role is for you.

We offer a competitive compensation package where you’ll be rewarded based on your performance and recognized for the value you bring to our business. Our Total Rewards package includes medical and dental coverage, both pension and 401(k) plans, flexible vacation time to use at your discretion, a generous number of observed holidays, and a range of programs and benefits designed to support your physical, financial and social well-being. Plus, we offer:

• A collaborative environment where everyone works together to create a better working world

• Excellent training and development prospects – including a strong culture of AI and technical upskilling – through both established programs and on-the-job training

About EY

As a global leader in assurance, tax, transaction and consulting services, we hire and develop the most passionate people in their field to help build a better working world. This starts with a culture that believes in giving you the training, opportunities and creative freedom to make things better. Whenever you join, however long you stay, the exceptional EY experience lasts a lifetime.

Join us in building a better working world. Apply now.

EY, an equal employment opportunity employer (Females/Minorities/Protected Veterans/Disabled), values the diversity of our workforce and the knowledge of our people.

What we offer you
At EY, we harness our collective strength to empower you to shape your future with confidence through professional growth, personal fulfillment and an inclusive culture. Learn more at ey.com/us/careers.

• We offer a comprehensive compensation and benefits package where you’ll be rewarded based on your performance and recognized for the value you bring to the business.  The base salary range for this job is: 
• • New York City, Boston, and Washington DC Metro Areas, Washington State, and Southern California offices – $116,700 to $194,500
  • Bay Area California offices – $121,600 to $202,600
  • All other offices locations in the US, including Sacramento – $97,300 to $178,300
• Individual salaries within these ranges are determined through a wide variety of factors including but not limited to education, experience, knowledge, skills and geography.  In addition, our Total Rewards package includes medical and dental coverage, pension and 401(k) plans, and a wide range of paid time off options.
• Under our flexible vacation policy, you’ll decide how much vacation time you need based on your own personal circumstances. You’ll also be granted time off for designated EY Paid Holidays, Winter/Summer breaks, Personal/Family Care, and other leaves of absence when needed to support your physical, financial, and emotional well-being.

Are you ready to shape your future with confidence? Apply today.                                              

• To make the most of your application experience, please limit yourself to two applications within a six-month period.
• EY accepts applications for this position on an on-going basis.
• For those living in California, please click for additional information.
• At EY, our values set the foundation for how we work and the behaviors we expect of our people. Any misrepresentation or falsification of information or lack of integrity at any point in the recruiting process may result in withdrawal of your candidacy, revocation of an offer or immediate termination of employment.

EY  |  Building a better working world

EY is building a better working world by creating new value for clients, people, society and the planet, while building trust in capital markets.

Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow.

EY teams work across a full spectrum of services in assurance, consulting, tax, strategy and transactions. Fueled by sector insights, a globally connected, multi-disciplinary network and diverse ecosystem partners, EY teams can provide services in more than 150 countries and territories.

All in to shape the future with confidence.

EY provides equal employment opportunities to applicants and employees without regard to race, color, religion, age, sex, sexual orientation, gender identity/expression, pregnancy, genetic information, national origin, protected veteran status, disability status, or any other legally protected basis, including arrest and conviction records, in accordance with applicable law.  

EY is committed to providing reasonable accommodation to qualified individuals with disabilities including veterans with disabilities. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process,  please call 1-800-EY-HELP3, select Option 2 for candidate related inquiries, then select Option 1 for candidate queries and finally select Option 2 for candidates with an inquiry which will route you to EY’s Talent Shared Services Team (TSS) or email the TSS at View email address on careers.ey.com