Professional Services Consultant, Payments

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs.  If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value. What You’ll Do Payments Discovery & Strategy • Lead structured discovery sessions to map a client’s end-to-end payment workflows—wire, ACH, SEPA, SWIFT, RTP, and beyond—identifying bottlenecks, approval gaps, and bank connectivity requirements. • Advise clients on payment modernization strategies, including migration from legacy file-based formats (NACHA, MT101, MT103, ISO20022) to API-driven bank connectivity via the ClearConnect Gateway (CCG). Bank API & Connectivity Implementation • Configure and test bank connectivity for payment initiation, including SWIFT, H2H file exchange, and direct API integrations via the CCG connector framework. • Serve as the Tier 3 escalation point for payment connectivity issues, diagnosing failures across bank portals, middleware, and the Ripple Treasury platform. • Collaborate with the Platform Connectivity team to validate new bank connectors against client payment requirements, providing structured feedback on API capabilities and gaps. Technical Configuration & Integration • Configure payment templates, approval workflows, bank account hierarchies, and currency rules within Ripple Treasury to match each client’s operational model. • Design and execute data mapping scripts and payment format transformations, owning the validation and quality assurance of all configuration logic. • Manage ERP integrations —including SAP, Oracle, Workday, etc.—ensuring seamless payment data flow across the client’s financial systems stack. What You’ll Bring Payments Domain Expertise • 3+ years of deep expertise in corporate payment operations, including multi-currency wire processing, payment factory design, SWIFT messaging (MT101, MT103, MT202), SEPA credit transfers, and domestic real-time payment rails (ACH, RTP, FedNow, Faster Payments). • Hands-on experience with bank connectivity methods—SWIFT, SFTP/H2H file exchange, and direct bank APIs—and a working understanding of ISO 20022 message formats. • Strong knowledge of payment controls: approval workflows, dual-authorization models, sanctions screening, and fraud detection frameworks in a corporate treasury context. Technical Mastery • Proficiency with TMS platforms (Ripple Treasury / GTreasury, Kyriba, SAP TRM, or equivalent) with specific focus on payment module configuration and bank account management. • Comfort navigating complex data flows between treasury systems, ERPs, and banking portals—including file format transformation (MT101, ACH, ISO20022, etc.) and API-based data exchange. • Experience using AI tools to accelerate configuration and documentation tasks, paired with the critical judgment to validate and refine AI-produced outputs. Professional Experience • 3+ years in client-facing treasury consulting, implementation, or professional services roles within a TMS, ERP, or fintech/banking technology environment. • Demonstrated experience managing bank onboarding and connectivity projects from requirements gathering through UAT and go-live. • Financial fluency—comfortable discussing cash positioning, payment netting, FX settlement, and intercompany payment structures with Corporate Treasury, Accounting, and CFO teams. Core Competencies • Consultative Mindset: You ask “why” before “how,” challenge legacy payment processes, and lead clients toward solutions that are both operationally sound and strategically scalable. • Communication Skills: The ability to translate payment rail complexity and API mechanics into ROI-framed narratives for treasury leadership and finance executives. • Problem-Solving DNA: A methodical approach to diagnosing payment failures—tracing issues from bank portal settings through middleware to platform configuration—rather than escalating or applying surface-level fixes. • Cross-functional Collaboration: Proven ability to coordinate across bank partners, platform engineering, and client stakeholders to deliver connectivity outcomes on time and on scope. WHO WE ARE: Do Your Best Work • The opportunity to build in a fast-paced start-up environment with experienced industry leaders • A learning environment where you can dive deep into the latest technologies and make an impact.  A professional development budget to support other modes of learning. • Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team. • In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in.  • Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team • We come together for moments that matter which include team offsites, team bonding activities, happy hours and more! Take Control of Your Finances • Competitive salary, bonuses, and equity • Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support • Employee giving match • Mobile phone stipend Take Care of Yourself • R&R days so you can rest and recharge • Generous wellness reimbursement and weekly onsite & virtual programming • Generous vacation policy - work with your manager to take time off when you need it • Industry-leading parental leave policies. Family planning benefits. • Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events Benefits listed above are for full-time employees.  Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance.   Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.