(Senior) Consultant* - SEPA-Payments

About the Position

Shape the Future of Payment Processes with AI-Driven Solutions

Location: Frankfurt, Düsseldorf, Berlin, München (Hybrid)

Practice Area: Banking & Payments

Employment Type: Unbefristet

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Responsibilities

• Project Support: Accompany demanding consulting projects in payment processing from business analysis and technical conception to testing and implementation.
• Customer-Centric Approach: Work with a focus on customer needs, leveraging your own experience and the expertise of your Capco colleagues effectively.
• Requirement Analysis: Analyze technical requirements and payment processes, developing viable solutions with our clients.
• Leadership: Gradually take on more responsibility for your areas, including leading sub-projects and smaller project teams.
• AI Utilization: Use approved AI tools, automation, and AI-supported workflows where they add practical value to speed, quality, or insight, ensuring responsible use through review, human judgment, and defined escalation paths.

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Requirements

• Interest in Payments: A strong interest in (SEPA-)Payments and a desire to contribute and expand your knowledge in this highly current field.
• Technical Familiarity: Familiarity with terms and message formats such as pain, pacs, and camt; ideally, you also know SEPA terms and processes like SCL, STEP2, SCT, SDD, Clearing & Settlement, and R-Transactions.
• Skills: Constructive and customer-oriented approach, strong analytical and conceptual skills, and the ability to clearly represent topics.
• Languages: Fluent in German and English, with a willingness to travel domestically and internationally depending on project assignments.
• AI Responsibility: Open to responsibly integrating approved AI and automation tools into your daily work, critically reviewing results, and adhering to guidelines, review, and escalation processes.

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Nice to Have

• Advanced Knowledge: In-depth knowledge of ISO 20022 and relevant SEPA message formats and processes.
• Process Experience: Experience with clearing and settlement processes and R-Transactions.
• Leadership Experience: Experience in taking responsibility for work packages, sub-projects, or smaller project teams.
• AI Experience: Initial practical experience with AI-supported workflows, generative AI, or automation in consulting, banking, or payments environments.

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We Offer

• Impactful Projects: Work on effective projects and solutions for leading financial institutions.
• Collaborative Culture: Experience a collaborative, open, and entrepreneurial consulting culture with flat hierarchies.
• Continuous Learning: Take advantage of continuous learning and development opportunities, training, and certifications for your personal and professional growth.
• Team Contribution: Become part of a team actively shaping the future of digital financial services.
• Digital Transformation: Help shape the digital transformation of our clients in the financial services sector.

We offer a competitive benefits package tailored to our employees, supporting various aspects of your professional and private life.

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About the Company

Inclusion at Capco

We are committed to making our recruitment process accessible and straightforward for everyone. If you need adjustments or support at any stage of the application process, please let us know – we are here to help.

We value the individual perspectives and contributions of each person. At Capco, we believe you are at your best when you can be yourself. Our #BeYourselfAtWork culture promotes individuality and collaboration – an attitude that shapes our daily interactions with our clients and among ourselves.

What matters is that we fit together (m/w/d) #beyourselfatwork.