Professional Services Consultant, Payments

About the role

You will own the full discovery and delivery lifecycle for payments modernization initiatives, guiding clients from current-state assessment through solution design and implementation. You will translate complex payment workflows into clear, actionable strategies that leverage the ClearConnect Gateway and Ripple Treasury to drive faster, more reliable connectivity. You will act as a trusted advisor to corporate treasury teams, aligning technical configurations with strict risk, compliance, and operational requirements. You will lead structured sessions that uncover bottlenecks, approval gaps, and bank connectivity dependencies across diverse payment rails. You will serve as the primary technical interface between clients, the Platform Connectivity team, and engineering to validate API capabilities and resolve integration issues. You will design and execute data mapping and transformation logic to ensure seamless movement between legacy formats like NACHA, MT101, MT103, ISO20022, and API-driven bank connectivity. You will take end-to-end ownership of payment configurations, ensuring that approval workflows, bank account hierarchies, and currency rules accurately reflect each client's operational model.

Key facts

What you'll do

Lead structured discovery sessions to map a client's end-to-end payment workflows - wire, ACH, SEPA, SWIFT, RTP, and beyond - identifying bottlenecks, approval gaps, and bank connectivity requirements.

Advise clients on payment modernization strategies, including migration from legacy file-based formats (NACHA, MT101, MT103, ISO20022) to API-driven bank connectivity via the ClearConnect Gateway (CCG).

Configure and test bank connectivity for payment initiation, including SWIFT, H2H file exchange, and direct API integrations via the CCG connector framework.

Serve as the Tier 3 escalation point for payment connectivity issues, diagnosing failures across bank portals, middleware, and the Ripple Treasury platform.

Collaborate with the Platform Connectivity team to validate new bank connectors against client payment requirements, providing structured feedback on API capabilities and gaps.

Configure payment templates, approval workflows, bank account hierarchies, and currency rules within Ripple Treasury to match each client's operational model.

Design and execute data mapping scripts and payment format transformations, owning the validation and quality assurance of all configuration logic.

Manage ERP integrations - including SAP, Oracle, Workday, etc. - ensuring seamless payment data flow across the client's financial systems stack.

Perform end-to-end testing and user acceptance validation, documenting scenarios, results, and remediation plans for each payment process.

Provide clear, structured communication to both technical and non-technical stakeholders, translating requirements into configuration tasks and status updates.

Support the development of internal documentation, configuration standards, and reusable assets to scale the delivery of payments consulting.

Identify opportunities to optimize payment controls, reduce manual intervention, and strengthen compliance through improved workflows and system configurations.

Act as an ambassador for the Ripple Treasury platform, educating clients on best practices for payment operations, security, and ongoing management.

Contribute to the broader professional services practice by sharing insights, playbooks, and learnings from engagements to improve methodologies.

Continuously refine your expertise across payment rails, file formats, and connectivity models to address evolving client needs and emerging use cases.

Requirements

3+ years of deep expertise in corporate payment operations, including multi-currency wire processing, payment factory design, SWIFT messaging (MT101, MT103, MT202), SEPA credit transfers, and domestic real-time payment rails (ACH, RTP, FedNow, Faster Payments).

Hands-on experience with bank connectivity methods - SWIFT, SFTP/H2H file exchange, and direct bank APIs - and a working understanding of ISO 20022 message formats.

Strong knowledge of payment controls: approval workflows, dual-authorization models, sanctions screening, and fraud detection frameworks in a corporate treasury context.

Proficiency with TMS platforms (Ripple Treasury / GTreasury, Kyriba, SAP TRM, or equivalent) with specific focus on payment module configuration and bank account management.

Comfort navigating complex data flows between treasury systems, ERPs, and banking portals - including file format transformation (MT101, ACH, ISO20022, etc.) and API-based data exchange.

Experience using AI tools to accelerate configuration and documentation tasks, paired with the critical judgment to validate and refine AI-produced outputs.

3+ years in client-facing treasury consulting, implementation, or professional services roles within a TMS, ERP, or fintech/banking technology environment.

Demonstrated experience managing bank onboarding and connectivity projects from requirements gathering through UAT and go-live.

Financial fluency - comfortable discussing cash positioning, payment netting, FX settlement, and intercompany payment structures with Corporate Treasury, Accounting, and CFO teams.