Sr. Business Architect-Commercial Banking

Hi ,

Job Title: Sr. Business Architect-Commercial Banking

Duration: Long Term

Work Location: New York City, NY (Day one Onsite)

Qualifications:

• At least 15+ years of experience in Banking, Treasury Services, Cash Management, or Transaction Banking.
• At least 10+ years of experience in consulting, business architecture, product strategy, or business transformation.

Preferred Experiences

• Deposit & Liquidity Management
  • Deep expertise in commercial and corporate deposits.
  • Strong understanding of liquidity products and services.
  • Experience with:
    • Cash Concentration
    • Notional Pooling
    • Physical Pooling
    • Zero Balance Accounts (ZBA)
    • Target Balance Accounts (TBA)
    • Account Sweeps
    • Interest Optimization Structures
    • Working capital optimization solutions.
    • Deposit pricing and profitability management.
    • Commercial banking operating models.
• Treasury & Cash Management
  • Treasury Management Services.
  • Commercial Cards and Treasury Products.
  • Receivables and Payables Management.
  • Virtual Accounts.
  • Integrated Treasury Platforms.
  • Liquidity forecasting and cash positioning.
  • Commercial client cash-flow and liquidity solutions.
• Transaction Banking Strategy
  • Product strategy and product lifecycle management.
  • Market benchmarking and competitive analysis.
  • Business capability modeling.
  • Operating model design.
  • Transformation roadmap creation.
  • Business case and value realization development.
  • Revenue growth and profitability optimization.
• Digital Transformation
  • Treasury Digital Transformation initiatives.
  • Treasury portals and digital channels.
  • Client onboarding and servicing transformation.
  • Workflow automation and straight-through processing.
  • Commercial banking ecosystem integration.
  • API Banking and Open Banking concepts.
  • Data-driven treasury insights and analytics.

Payments & Collections

• ACH
• Wire Payments
• Real-Time Payments (RTP)
• FedNow
• SWIFT
• ISO 20022
• Lockbox Services
• Receivables and Collections

Business Architecture

• Define target-state business capabilities across Deposit and Liquidity Management.
• Develop business architecture and capability maps aligned to strategic goals.
• Create future-state operating models for treasury and cash management organizations.
• Identify capability gaps and recommend transformation priorities.

Strategic Advisory

• Act as a trusted advisor to executive leadership teams.
• Provide industry best practices and market insights.
• Offer competitor benchmarking and product comparisons.
• Assess emerging trends impacting transaction banking and treasury services.

Product & Domain Consulting

• Evaluate existing deposit and liquidity product portfolios.
• Recommend opportunities for modernization and innovation.
• Support product rationalization, enhancement, and expansion initiatives.
• Develop product strategy aligned with client growth objectives.

Preferred Certifications

• BIAN (Business Architecture) Certification
• TOGAF Business Architecture
• Certified Treasury Professional (CTP)
• Certified Cash Manager (CCM)
• Scaled Agile (SAFe) Certification
• Product Management Certification

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