Payments Banking Consultant

Job DescriptionAccenture helps the world's leading enterprises reinvent by building their digital core and unleashing the power of AI to create value at speed for organizations across industries. Our strategy is to be the reinvention partner of choice for our clients and lead in the safe, widespread adoption of AI, and to be the most client-focused, AI-enabled, great place to work in the world. We bring together the talent of our approximately 799,000 people with proprietary assets and platforms, deep process and industry expertise, and leading ecosystem relationships to deliver end-to-end solutions and measurable outcomes at scale. Through our Reinvention Services, we offer broad expertise across Cybersecurity, Digital Core, Finance, Industry and Enterprise, Song, Supply Chain and Engineering, and Talent, with advanced capabilities in AI and Data, Industry and Process, and Technology. We serve approximately 9,000 clients and generated approximately $70 billion in FY25 revenue. Visit us at www.accenture.com.In Strategy & Consulting we work with C-suite executives, leaders, and boards of the world's leading organizations, helping them reinvent every part of their enterprise to drive greater growth, enhance competitiveness, implement operational improvements, reduce cost, deliver sustainable 360° stakeholder value, and set a new performance frontier for themselves and the industry in which they operate. Our deep industry and functional expertise is supported by proprietary assets and solutions that help organizations transform faster and become more resilient. Underpinned by technology, data, analytics, AI, change management, talent, and sustainability capabilities, our Strategy & Consulting services help architect and accelerate all aspects of an organization's total enterprise reinvention.Financial Services Payments PracticeThe Payments practice is a part of the Financial Services North America Banking Client Service Group, which provides consulting and outsourcing services to retail banking and payments clients throughout the U.S. and Canada. We serve more than 600 unique clients in 24 countries including banks, networks, merchants, and fin-techs, payment platforms. Accenture's North American Payments practice is responsible for driving Accenture's go-to-market strategies and offerings for our US and Canadian clients, bringing our best offerings and leveraging our global payment practices and experience. These offerings include:Payment Innovation (e.g., digital payments, wallets, etc.)Card IssuingRetail Bank PaymentsCommercial Cash Management, B2B, Corporate, and Transaction Banking and PaymentsAs a Payments Consultant, you'll be dedicated to helping clients by designing and delivering strategic solutions that achieve compliance, mitigate risks, and seize revenue growth opportunities.Key Responsibilities:Develop world-class business and technology solutions for Consumer and Commercial Payments clients across a wide range of payment methods.Conduct operating model assessments (people, process, org) and client needs assessments.Perform vendor assessment and due diligence of packaged platforms, e.g. Card platforms, Pricing & Profitability and Workflow solutions, Treasury Management portalsParticipate in process design, requirements gathering, and functional design as part of Payments systems implementation engagements.Serve as a business architect during client engagements.Participate in the development of best-in-class, reusable assets.Participate in business development to originate new client opportunities.Must be willing to travel up to 80% (Monday - Thursday)QualificationHere's What You Need:3+ years of relevant experience in one or more specific payment areas in any of the following payment domains:Card: Private label, Credit, Online Debit, Offline Debit, Prepaid, ATM, Acquirer/IssuerRetail: P2P, Bill Payment, Mobile Payments, Electronic Bill Presentment, Micro PaymentsElectronic: ACH, Domestic Wire, International Wire, Fedwire/CHIPS, SWIFTCash / Treasury Management: Sales, Relationship, Operations and/or Product Delivery3+ years' experience with consulting project delivery including managing or creating project deliverables, and managing projects within timelines and budgets within management consulting or industry experience within a large commercial bank or payment provider.Preferred Qualifications:Industry experience within Consumer, Commercial or new payment flows. Demonstrated business and technology expertise across the end-to-end payment lifecycles and operating modelsSuccessful track record of performing operating model design, business process design, and system functional design.Experience with vendor platforms enabling seamless delivery of payments products is preferred.Ability to develop and manage relationships with client management.Payments industry expertise in alternative/emerging paymentsUnderstanding of end-to-end payments lifecycleBusiness Architecture - Applied in solution planning, and requirements definition and analysisBaseline understanding of the principles of technologyRequirements AnalysisFunctional DesignExperience with:Multiple credit card implementations for consumer or commercial card issuersComplex program / transformation delivery, including PMO, value management, and/or change managementCredit card operating model advisory for issuersUse of AI tools to de-risk and accelerate testing and conversionsProfessional Skills Required:Proven ability to work independently and as a team memberProven ability to work creatively and analytically in a problem-solving environmentExcellent leadership, communication (written and oral) and interpersonal skillsCompensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below.We anticipate this job posting will be posted until 09/24/2026.Accenture offers a market competitive suite of benefits including medical, dental, vision, life, and long-term disability coverage, a 401(k) plan, bonus opportunities, paid holidays, and paid time off. See more information on our benefits here:U.S. Employee Benefits | AccentureRole Location Annual Salary RangeCalifornia $70,350 to $205,800Cleveland $59,100 to $164,600Colorado $63,800 to $177,800District of Columbia $68,000 to $189,300Illinois $59,100 to $177,800Maine $54,400 to $151,400Maryland $63,800 to $177,800Massachusetts $63,800 to $189,300Minnesota $63,800 to $177,800New York $66,300 to $205,800New Jersey $68,000 to $205,800Virginia $59,100 to $189,300Washington $80,200 to $189,300LocationsIrving, TXAlbany, NYArlington, VAAtlanta, GAAustin, TXBeaverton, ORBentonville, ARBoston, MACarmel, INCharlotte, NCChicago, ILCincinnati, OHCleveland, OHColumbus, OHCulver City, CADenver, CODes Moines, IADetroit, MIHartford, CTHouston, TXKirkland, WAMiami, FLMilwaukee, WIMinneapolis, MNMorristown, NJMountain View, CANashville, TNNew York City, NYOklahoma City, OKOverland Park, KSPhiladelphia, PAPittsburgh, PARaleigh, NCRedmond, WASacramento, CASan Diego, CASan Francisco, CAScottsdale, AZSeattle, WASt. Louis, MOSt. Petersburg, FLWalnut Creek, CAAdditional InformationRequesting an AccommodationAccenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired.If you would like to be considered for employment opportunities with Accenture and have accommodation needs such as for a disability or religious observance, please call us toll free at 1 (877) 889-9009 or send us an email or speak with your recruiter.Equal Employment Opportunity StatementWe believe that no one should be discriminated against because of their differences. All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law. Our rich diversity makes us more innovative, more competitive, and more creative, which helps us better serve our clients and our communities.For details, view a copy of the Accenture Equal Opportunity StatementAccenture is an EEO and Affirmative Action Employer of Veterans/Individuals with Disabilities.Accenture is committed to providing veteran employment opportunities to our service men and women.Other Employment StatementsApplicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States.Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration.Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process. Further, at Accenture a criminal conviction history is not an absolute bar to employment.The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information.California requires additional notifications for applicants and employees. If you are a California resident, live in or plan to work from Los Angeles County upon being hired for this position, please click here for additional important information.Please read Accenture's Recruiting and Hiring Statement for more information on how we process your data during the Recruiting and Hiring process.About AccentureWe work with one shared purpose: to deliver on the promise of technology and human ingenuity. Every day, more than 775,000 of us help our stakeholders continuously reinvent. Together, we drive positive change and deliver value to our clients, partners, shareholders, communities, and each other.We believe that delivering value requires innovation, and innovation thrives in an inclusive and diverse environment. We actively foster a workplace free from bias, where everyone feels a sense of belonging and is respected and empowered to do their best work.At Accenture, we see well-being holistically, supporting our people's physical, mental, and financial health. We also provide opportunities to keep skills relevant through certifications, learning, and diverse work experiences. We're proud to be consistently recognized as one of the World's Best Workplaces.Join Accenture to work at the heart of change. Visit us at www.accenture.com.