Professional Services Consultant, Payments

What You’ll Do

Payments Discovery & Strategy

• 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).

Bank API & Connectivity Implementation

• 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.

Technical Configuration & Integration

• 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.

What You’ll Bring

Payments Domain Expertise

• 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.

Technical Mastery

• 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.

Professional Experience

• 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.

Core Competencies

• Consultative Mindset: You ask “why” before “how,” challenge legacy payment processes, and lead clients toward solutions that are both operationally sound and strategically scalable.
• Communication Skills: The ability to translate payment rail complexity and API mechanics into ROI-framed narratives for treasury leadership and finance executives.
• Problem-Solving DNA: A methodical approach to diagnosing payment failures—tracing issues from bank portal settings through middleware to platform configuration—rather than escalating or applying surface-level fixes.
• Cross-functional Collaboration: Proven ability to coordinate across bank partners, platform engineering, and client stakeholders to deliver connectivity outcomes on time and on scope.