Principal Consultant - Payments SME (Banking & Payments)

About the role

Capco is looking for a Principal Consultant to join its Banking & Payments practice, supporting large-scale payments transformation initiatives. The role combines business analysis and program and project management, focusing on high-value and cross-border payment systems. It is based in New York or Charlotte and is a permanent position.

Key responsibilities

• Lead business analysis across high-value payments and transformation initiatives, turning business needs into clear requirements and deliverables.
• Manage and coordinate project delivery, including planning, milestones, dependencies, risks, issues and reporting.
• Support end-to-end program and project execution so deliverables match scope, timelines, budgets and business objectives.
• Drive stakeholder engagement and project governance, manage escalations and support decision-making.
• Work with business, technology and operations teams on payments modernization, including wire transfers, ACH payments and high-value and cross-border systems.

Required profile

• Business analysis and program/project management experience in banking or payments, supporting complex transformation initiatives.
• Experience managing project plans, milestones, risks, issues, dependencies and governance reporting across cross-functional teams.
• Ability to coordinate multiple workstreams, engage stakeholders and communicate progress and priorities clearly.
• Experience building client relationships and supporting successful project outcomes.

Required skills

• Wire transfers, ACH payment processing, high-value payment systems and transaction flows.
• Fedwire, CHIPS and ISO 20022 (pacs.008 and pacs.009).
• Bonus points: payments transformation experience, cross-border payments and regulatory exposure, financial messaging standards, Tier 1 bank experience, and certifications in project management, Agile or business analysis.

What we offer

• Medical, dental and vision insurance, and a 401(k) with employer matching.
• Maternity and paternity leave, dependent care support and tuition reimbursement.
• Wellness reimbursement, HSA and FSA options, commuter benefits and employee discounts.