Payments Technical Consultant

Role :Payments Technical Consultant

Location : Atlanta,GA (Locals preferred)

Job description below

Program ownership & governance
Delivery program vision, scope, operating model, and success metrics; maintain the multirelease roadmap and benefits case.
Administer governance (steerco, RAID, stage gates), ensure auditready documentation (e.g., SOX/SOC1 controls), and manage budgets of ~[amount] with clear capex/opex tracking.
Lead change management across Technology, Operations, Treasury, Retail/Commercial Banking, Risk, Compliance, Finance, and Customer Support.

Payments domain delivery
Deliver capabilities across wires/SWIFT, ACH/SEPA, realtime rails (e.g., RTP/FedNow/SEPA Instant/FPS), card networks (Visa/Mastercard), and crossborder (gpi/ISO 20022).
Orchestrate migration to ISO 20022 (including high/low value payments), scheme certifications, and market infrastructure testing.
Stand up/upgrade payment hub, orchestration, and clearing adapters; improve STP, exception handling, reconciliation, and intraday liquidity visibility.
Coordinate fraud, AML, sanctions screening, tokenization, authorization routing, chargeback/dispute flows, and customer/merchant onboarding implications.

Risk, controls & compliance
Ensure adherence to PCI DSS, AML/KYC, sanctions/OFAC (or local equivalent), Reg E/PSD2SCA (as applicable), data privacy, and internal model governance.
Drive NFRs: resilience (RTO/RPO), observability, throughput/latency SLOs, BCP/DR, and incident/problem management improvements.

Vendor & partner management
Lead RFI/RFPs and contract negotiations for payment hubs, gateways, fraud tools, and network connectivity (e.g., SWIFT Service Bureau, TCH, central bank).
Manage SIs/partners against milestones, SLAs, and acceptance criteria.

Delivery & engineering collaboration
Plan and sequence releases across multiple feature teams; balance Agile/SAFe and stagegate controls.
Align architecture on APIs/microservices, eventing (e.g., MQ/Kafka), batch vs. realtime flows, and core banking integration.
Oversee cutover plans, market dress rehearsals, scheme certification, and hypercare.

Basic Requirements
Bachelor s degree in Computer Science, Engineering, or a related field
3+ years of experience working on project teams and delivering payments modernization projects
3+ years of experience with business and technology for payments rails such as ACH, Wire, Card, RTP, FedNow
2+ years of experience with emerging payment areas of focus (including Real Time Payments, Mobile Wallets, Payment Hubs, ISO 20022 Standards, and Open Banking, etc.)

Additional Requirements
Technical background in payments systems, including card networks, payment schemes, and payment processing technologies
Knowledge of industry standards, regulations, and best practices, including PCI-DSS, EMV, ISO8583, and ISO 20022

Preferences
Consulting industry experience