Job Description
Position: Functional Consultant | Treasury & Payments Transformation (USA)
Locations: Hybrid in Dallas, TX | Charlotte, NC | Cleveland, OH or Pittsburgh, PA
Type: Full-Time
About Incedo Inc.
Incedo Inc. is a global digital solutions and analytics company that partners with leading enterprises to drive business transformation through technology, data, and domain expertise. With deep specialization in Banking, Financial Services, and Insurance (BFSI), Incedo delivers high-impact consulting and technology services across payments modernization, treasury transformation, regulatory compliance, and digital banking. We help our clients achieve competitive advantage through end-to-end digital transformation. We combine services and products to maximize business impact for our clients in telecom, financial services, product engineering, life science & healthcare industries.
Role Overview
- We are seeking a Payment Consultant to support a strategic Treasury Management engagement with a leading U.S. bank. This is a high-impact, client-facing role for a seasoned payments professional with deep expertise across the end-to-end treasury payments lifecycle.
- You will serve as a Subject Matter Expert (SME) across payment operations and modernization initiatives—advising on strategy, designing solutions, and partnering across business and technology teams to deliver scalable, future-ready payment capabilities.
- This role blends consulting, solution design, and domain leadership, with direct exposure to senior stakeholders and enterprise-scale transformation programs.
Mandatory Experience
Prior experience working in Treasury Services / Treasury Management within a top-tier U.S. bank
Deep, hands-on expertise across the full payment lifecycle, including:
- Payment initiation (APIs, ERP, online banking, file-based)
- Message formats (ISO 20022, NACHA, SWIFT, EDI)
- Clearing & settlement (ACH, Fedwire, CHIPS, SWIFT, RTP®, FedNow®)
- Reconciliation, exceptions, and investigations
- Fraud controls, sanctions screening, and regulatory compliance
Qualifications
- 10–15+ years of experience in Treasury Management, Payments, or Cash Management
- Experience working for a consulting services company is required.
- Prior payments consulting, solution architecture, or pre-sales experience within banking, fintech, or financial services.
- Strong understanding of treasury management products including liquidity management, Controlled disbursement, lockbox, integrated receivables, Positive Pay, and fraud mitigation tools.
- Proven client-facing consultative skills with ability to translate complex payment technology into business-relevant recommendations and treasury executives.
- Master’s degree (MBA or Finance/Technology-related field) preferred
Key Responsibilities
1) Treasury Payments SME & Functional Leadership
- Act as the primary payments SME for treasury engagements, advising on products, workflows, and operations
- Analyze and optimize end-to-end payment lifecycles, from initiation through settlement and reporting
- Evaluate payables, receivables, and liquidity workflows to identify modernization opportunities
- Develop client-ready payment solutions across ACH, wires, RTP®, FedNow®, and integrated payables/receivables
- Deliver insights using payment metrics (SLAs, failure rates, processing trends)
- Advise on emerging trends such as real-time payments, open banking, and embedded finance
2) Solution Design & Systems Integration
Design and validate end-to-end payment architectures across banking platforms and ecosystems
Collaborate with technology teams to define:
- Data flows, APIs, and system integrations
- Message mapping (ISO 20022, SWIFT MT/MX, NACHA)
Lead integration strategies across:
- Core banking platforms
- ERP systems (SAP, Oracle, Workday, etc.)
- Payment networks and external partners
Support development of payment orchestration solutions (routing, validation, enrichment, exception handling)
Drive API-led and file-based connectivity (Host-to-Host, SFTP, SWIFT FileAct)
Contribute to modern, cloud-native payment architectures and microservices-based platforms
3) Stakeholder Engagement & Advisory
- Serve as the bridge between business, operations, and technology teams
- Partner with product, treasury, compliance, and client teams to align solutions with business goals
- Support client advisory, presentations, and solution workshops with corporate treasury stakeholders
- Contribute to RFPs, proposals, and go-to-market initiatives
- Provide thought leadership via whitepapers, training, and industry insights
- Mentor junior team members and support agile delivery practices
4) Innovation & Continuous Improvement
- Identify opportunities to improve efficiency, automation, and scalability across payment operations
- Build business cases and ROI models for transformation initiatives
- Evaluate and recommend new technologies:
- Real-time payment analytics
- AI/ML-driven fraud detection
- Optimize payment orchestration flows to improve performance and reduce errors
- Establish SOPs, playbooks, and best practices for operational excellence
5) Troubleshooting & Operational Support
- Provide expert support for complex payment issues and escalations
- Investigate failures across payment rails (ACH, wires, SWIFT, RTP, FedNow)
- Conduct root cause analysis (RCA) and implement preventive solutions
- Support audits and compliance with proper documentation and controls
- Monitor transaction health, SLAs, and system performance metrics
Core Expertise
Payments & Rails
- ACH, Fedwire, CHIPS, SWIFT, RTP®, FedNow®, card networks
Messaging Standards
- ISO 20022, SWIFT MT/MX, NACHA, EDI
Treasury Products
- Liquidity management, lockbox, Positive Pay, integrated receivables
Integration & Connectivity
- APIs, SFTP, Host-to-Host, ERP integrations
Risk & Compliance
- BSA/AML, OFAC, sanctions screening, fraud prevention
Digital Payments
- Open banking, embedded finance, real-time payments, AI/ML fraud detection
