Technology Consultant – Senior / Manager - Card Management & Payment Systems, FSO Consulting
About the job
- A bachelor's degree or higher in IT, Computer Science, Engineering, Information Systems, Finance, or a related discipline.
- 5–12 years of relevant experience in banking, cards, payments, transaction banking, fintech, payment processing, or financial-services technology.
- Hands-on experience with CMS/CMP, debit and credit card issuing, card migration, and payment-system integration.
- Strong knowledge of card issuing and transaction lifecycles, including authorisation, clearing, settlement, reconciliation, reversals, adjustments, disputes, and chargebacks.
- Experience with Visa/Mastercard and Rintis/Alto/Jalin/Artajasa, with familiarity in SNAP and BI-FAST.
- Hands-on experience in a PCI-DSS-compliant system or cardholder-data environment.
- Experience with Fraud Detection/Fraud Management systems, including transaction monitoring, rules, alerts, cases, and investigation workflows.
- Working knowledge of ISO 8583 and ISO 20022; familiarity with SWIFT and RTGS.
- Business analysis, structured problem-solving, stakeholder management, communication, and documentation skills.
- Lead functional analysis, configuration, and delivery for CMS/CMP implementation, enhancement, and migration.
- Design end-to-end card issuing lifecycle requirements covering onboarding, product set-up, issuance, personalisation, PIN, activation, limits, renewal, replacement, blocking/hotlisting, closure, and servicing.
- Perform legacy-to-target gap analysis, data mapping and validation; define mock migrations, cutover sequencing, reconciliation controls, rollback criteria, production validation, and stabilisation.
- Analyse authorisation, clearing, settlement, reversals, adjustments, disputes, and chargebacks across debit and credit card products.
- Lead functional design and integration across international card schemes, domestic switching networks, and payment infrastructures including SNAP, BI-FAST, and RTGS.
- Analyse and validate ISO 8583 and ISO 20022 message flows, routing rules, interfaces, APIs, and exception handling.
- Support scheme/network certification, interface testing, end-to-end testing, and production readiness with client, vendor, and network stakeholders.
- Design the target settlement and reconciliation solution, including source-to-ledger data flows, matching logic, settlement cycles, fee and interchange treatment, suspense handling, exception workflows, control points, reporting, and audit trails.
- Configure and validate reconciliation, clearing, and settlement rules; investigate transaction exceptions, reconciliation breaks, settlement discrepancies, and production incidents.
- Define and validate Fraud Detection/Fraud Management integration, including real-time monitoring, rules and thresholds, alerts, case workflows, investigation, and reporting.
- Perform root cause analysis and recommend remediation across process, configuration, interfaces, data, and operational controls.
- Define the SIT strategy and scope, integration scenarios, test data, traceability, entry/exit criteria, defect severity, and completion evidence across CMS, switching, fraud, settlement, and reconciliation interfaces.
- Define the UAT strategy and scope, business scenarios, acceptance criteria, user roles, test data, defect triage, sign-off requirements, and operational-readiness evidence.
- Define the migration strategy and scope, including data objects, mapping and cleansing rules, reconciliation controls, mock migrations, cutover sequence, rollback criteria, acceptance, and post-migration validation.
- Gather requirements and prepare functional specifications, process flows, configuration documents, user stories, test artefacts, issue logs, operating procedures, and training materials.
- Coordinate business, operations, technology, vendors, and payment networks; manage status, risks, issues, decisions, and knowledge transfer.
- Manager candidates will lead workstreams and coach team members.
- Prior experience in one or more delivery roles: Project Manager, Solution Architect, Business Analyst, or Quality Assurance/Test Lead.
- Card scheme or payment-network certification; issuer, acquirer, switch, payment hub, settlement, or reconciliation-engine implementation experience.
- Experience with recognised card platforms such as HPS PowerCARD, OpenWay Way4, VisionPLUS, PRIME, TSYS, FIS, Fiserv, Compass Plus, or comparable solutions.
- Experience leading workshops and workstreams in complex, multi-vendor delivery environments.
- Familiarity with SWIFT MT/MX.
About the company
EY (Ernst & Young) provides professional services at a global scale, offering consulting, assurance, tax, and transaction advisory services. It serves clients across industries such as technology, media, real estate, hospitality, and construction. Instead of selling a single product, EY works with clients through tailored engagements where cross-disciplinary teams analyze challenges, design strategies, perform audits, help with tax planning, and assist with mergers or divestitures. What sets EY apart is its worldwide reach and integrated service model, industry-specific expertise, and focus on responsible business practices like sustainability, cybersecurity, and workforce flexibility. EY’s goal is to help organizations improve performance, manage risk, and achieve sustainable growth while building a better working world.
Company Size
5,001-10,000
Company Stage
N/A
Total Funding
N/A
Headquarters
Boston, Massachusetts
Founded
1991
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Simplify's Take
What believers are saying
- EY.ai Agentic for Sales launched March 2, 2026 with Snowflake and Canva.
- EY uses client-zero deployments, scaling Copilot across 400,000 people by May 2026.
- EY’s 2026 AI assurance push monetizes client demand for governance, controls, and risk reviews.
What critics are saying
- Sabah filed RM2.4 billion audit-negligence claims against EY on July 30, 2026.
- EY set aside £188 million in March 2026 after NMC, Shell, and Made.com scrutiny.
- Repeated audit failures can destroy trust, trigger client defections, and shrink the franchise permanently.
What makes Ernst & Young unique
- EY Canvas processes 1.4 trillion journal-entry lines across 160,000 global audits.
- EY-Microsoft invested US$1b+ in May 2026 to industrialize enterprise AI delivery.
- EY launched agentic audit AI on April 7, 2026, spanning Assurance and AI assurance.
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Benefits
Professional Development Budget
Flexible Work Hours
Remote Work Options
Company News
EY added nearly 10,000 staff globally in its 2026 financial year as AI-related revenue surged almost 50%. The Big Four firm's workforce reached 415,000, with most growth concentrated in global delivery services and offshoring centres. The Americas division saw headcount decrease by roughly 4,500, or 5%. Overall global revenue rose 4.7% to $57 billion. EY-Parthenon was the fastest-growing service line, with revenue increasing 7.4% to $6.8 billion, marking a turnaround after two years of minimal growth. Tax revenue rose 6% to $13.8 billion, whilst consulting grew 4.4% to $17.4 billion. The results reflect EY's "All-In" strategy under global chair Janet Truncale, with billions invested in transforming operations and AI services.
An Ernst & Young study found US oil and gas producers reached record production in 2025 while becoming more selective with investments. The analysis of 30 major exploration and production companies, representing 43% of US oil and gas output, showed oil production hit a study-period high, yet reserve additions from extensions and discoveries declined 11% year over year and failed to fully replace production volumes for the first time since 2021. Total capital expenditures fell 49% year over year, whilst M&A spending declined 70%. Exploration spending dropped 11% to $4.8 billion, representing only 3% of total capital expenditures. Natural gas showed stronger fundamentals, with production rising 18%, reserves increasing 14%, and discoveries up 21%.
Ernst & Young's US division is allocating $100 million this fiscal year to bonus payments rewarding employees who demonstrate adaptability, innovation, and judgement. Individual spot awards reach $500, whilst employees or teams making significant contributions can receive between $10,000 and $25,000, five times the previous programme's ceiling. The initiative also covers AI experimentation. "What we recognise signals what we value," said Ginnie Carlier, chief talent and culture officer for EY Americas. The bonuses form part of a broader strategy to reshape employee development across all career levels. Other professional services firms are pursuing similar approaches. KPMG restructured its audit internship this summer to emphasise critical thinking, whilst PwC US introduced training combining AI proficiency with human qualities like empathy. EY reported AI-related revenue grew 30% year-over-year in 2025.
EY-Parthenon has acquired SparkOptimus, a Dutch digital strategy consultancy founded in 2010. The Amsterdam-based firm employs around 50 consultants and specialises in AI transformation, digital business model redesign and technology-driven transformation. SparkOptimus founders Alexandra Jankovich and Tom Voskes, both former McKinsey consultants, said joining EY-Parthenon will create significant value for clients and staff whilst providing access to broader capabilities. The acquisition marks EY-Parthenon's first European deal since 2021. EY-Parthenon, established in 2014, is EY's strategy consulting and transactions advisory business with around 25,000 professionals globally. Mark Reich, Partner at EY-Parthenon Netherlands, said SparkOptimus' expertise will complement existing capabilities in the Dutch market. The deal closes on 1 September 2026. Financial terms were not disclosed.
The UK Government has awarded a contract worth up to £456 million to KPMG and EY to train civil servants, the Financial Times reported, citing government procurement tracker Tussell. Under the arrangement, the firms will train officials across various skills areas, including AI, between 2026 and 2028. KPMG's share is capped at £319 million, representing almost a quarter of its total UK advisory net sales from last year. EY's portion is worth £137 million, equivalent to around 13% of its UK consulting revenue. The deal is the largest single contract awarded to Big Four companies since Tussell started tracking records in 2012. The previous record was a £322 million deal between the Foreign Office and PricewaterhouseCoopers in 2012.