Solution Consultant

Role Overview

Powering the world’s payments ecosystem. ACI powers the payments ecosystem – globally, and you power ACI. You’ll innovate, collaborate, and grow – in an energetic technology culture with decades of proven success. ACIers – in all roles and levels – are truly your colleagues and many are your friends. Our size and reach allow you to see the global impact of your work. You are visible, your talents are valued, and you are empowered to shape the future of payments.

As a Sr Solution Consultant in Germany you will join a diverse, passionate team, dedicated to powering the world’s payments ecosystem.

Role Purpose

As a Senior Solution Consultant – Merchant, you will play a pivotal role in shaping how leading merchants design and optimize their payment and fraud strategies. This role sits at the intersection of payment orchestration, fraud & risk management, and payment intelligence, helping customers unlock measurable business outcomes such as improved authorization rates, reduced fraud losses, and enhanced customer experience.

You will act as a trusted advisor to enterprise merchants, translating complex payment, fraud, and data challenges into actionable strategies powered by ACI’s solutions. Working closely with Sales, Product, and Partners, you will drive value‑led engagement, focusing on outcomes, not features.

This position is ideal for a consultant who brings deep expertise in fraud, risk, or payment intelligence, combined with a strong interest or growing expertise in payment orchestration and the broader merchant payments ecosystem.

Typical Day

• Lead strategic customer engagements across the full sales lifecycle, with a focus on fraud, risk, and payment optimization strategies
• Translate merchant challenges (e.g. fraud losses, false declines, conversion gaps) into data‑driven value propositions and solution strategies
• Position ACI’s payment orchestration capabilities to enable smarter routing, decisioning, and performance optimization
• Define and articulate business outcomes, including fraud reduction and risk mitigation, authorization uplift and revenue recovery, improved customer experience and checkout performance
• Conduct consultative discovery workshops, identifying key pain points across payments, fraud, and risk domains
• Design end‑to‑end solution approaches combining payments, fraud detection, and data intelligence
• Partner with Sales and Account teams to progress and win strategic deals
• Build compelling executive narratives, proposals, and ROI models
• Provide thought leadership on industry trends, including fraud evolution, regulatory impacts (e.g. PSD2/3), and payment innovation
• Collaborate with Product and Product Marketing to shape roadmap direction and market positioning based on customer insights

Knowledge, Skills and Experience

Core Experience

• 5–10+ years in one or more of the following domains: Fraud & risk management (e.g. fraud detection, decisioning, chargebacks), Payment intelligence/optimisation (e.g. authorisation uplift, routing strategies), Merchant payments (acquiring, gateways, orchestration, wallets)
• Proven experience in a consultative, customer‑facing role (Solution Consulting, Pre‑Sales, Advisory)

Domain Expertise

• Strong understanding of fraud prevention strategies and trade‑offs (approval vs risk vs customer friction)
• Payment performance drivers (authorisation rates, routing, issuer behaviour)
• Data‑driven decision‑ing and optimisation techniques
• Familiarity with payment orchestration platforms is a strong plus
• Alternatively: strong fraud/risk expertise with a clear motivation to expand into payments and orchestration

Consulting & Commercial Skills

• Ability to translate technical capabilities into clear business value and outcomes
• Strong stakeholder engagement and executive communication skills
• Experience building ROI cases, value models, and business justifications
• Ability to challenge customer assumptions and lead strategic conversations

Preferred Experience

• Experience working with enterprise merchants in retail, eCommerce, or digital services
• Exposure to regulatory frameworks (PSD2, SCA, etc.)
• Data‑driven mindset with ability to leverage analytics and insights to drive decisions
• Comfortable working in complex, multi‑stakeholder sales environments
• Strong collaboration with cross‑functional teams (Sales, Product, Marketing)

Core Capabilities

• Ensure Accountability: holding self and others accountable to meet commitments
• Drives Results: consistently achieving results, even under tough circumstances
• Customer Focus: building strong customer relationships and delivering customer‑centric solutions
• Cultivate Innovation: creating new and better ways for the organization to be successful
• Collaborates: building partnerships and working collaboratively with others
• Courage: stepping up to address difficult issues, saying what needs to be said

Work Authorization

Applicants must be currently authorized to work in Germany on a full‑time basis. This position does not offer sponsorship for employment visa status or work permit now or in the future.

Compensation and Growth

In return for your expertise, we offer opportunities for growth, career development, and a competitive compensation and benefits package—all within an innovative and collaborative work environment.

About ACI Worldwide

ACI Worldwide is an AA/EEO employer in the United States, which includes providing equal opportunity for protected veterans and individuals with disabilities, and an EEO employer globally.

Recruitment Scam Notice

Job seekers should be aware of ongoing recruitment scams where individuals or organizations impersonate legitimate companies to offer fake job opportunities. These scams often involve requests for personal information, payments, or interviews through unofficial channels. Please be cautious and verify any communications claiming to be from our company. The ACI Worldwide recruitment team will always follow official channels and will never request payment.

#Req Number 19339