Banking Sme — Functional Expert

Brings deep functional expertise in banking processes and domain knowledge to consulting and implementation programmes. The primary contribution is a thorough understanding of how banks operate - their products, processes, regulations and organisational dynamics - enabling project teams to design and deliver solutions that are genuinely fit for purpose in a banking context.

• Act as the banking functional reference on engagements, ensuring solutions align with banking business realities.
• Capture, analyse and document detailed business requirements in close collaboration with client stakeholders.
• Define and validate functional specifications covering processes, data, business rules and controls.
• Bridge the gap between business stakeholders and technical teams throughout the delivery lifecycle.
• Lead or contribute to functional workstreams within banking transformation programmes.
• Provide domain expertise during pre-sales and solutioning phases, including RFP responses and product demonstrations.
• Identify business risks and functional gaps in proposed solutions.

• In depth experience in banking, within a financial institution or in consulting/implementation roles.
• Deep understanding of banking products, processes and operating models.
• Proven ability to engage with senior business stakeholders in a banking environment.
• Experience in banking transformation programmes (core banking migration, payments modernisation, digital banking launch, regulatory programmes).
• Familiarity with relevant regulatory and compliance frameworks (PSD2, AML/KYC, Basel III, IFRS 9).
• Nice to have: Platform knowledge on any Temenos, Oracle Banking, TM, Mambu, Intellect Design, SAP,

Candidates are expected to demonstrate depth in at least one of the following domains, and working familiarity across several others:

• Core Banking: Deposits, Lending (retail/commercial), Mortgages, Insurance, Securities; knowledge of BIAN framework is valued.
• Payments: SEPA, SWIFT, High-Value Payments, Card Payments (issuing/acquiring), ISO 20022.
• Digital Banking: online/mobile banking, Open Banking / PSD2, customer onboarding.
• CRM & Customer Engagement: Salesforce FSC, MS Dynamics or equivalent.
• Risk & Compliance: credit risk, operational risk, AML/KYC, regulatory reporting.
• Cards & Loyalty: card issuing/acquiring, scheme rules (Visa, Mastercard).

• Fluent in English, written and spoken; additional languages are a plus.
• Strong facilitation and communication skills; comfortable leading workshops with senior stakeholders.
• Ability to produce clear, high-quality functional documentation.
• Working familiarity with Agile project delivery methodologies.
• Familiarity with AI tools as part of day-to-day working practice.
• Willingness to travel to client sites as required.
• Fluent in English, written and spoken.
• Analytical mindset with willingness to learn and grow in a consulting environment.
• Good communication skills; ability to work in multicultural, distributed teams.

Willingness to travel to client sites as required

Accenture is a leading global professional services company that helps the world's leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services-creating tangible value at speed and scale. We are a talent- and innovation-led company with approximately 791,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world's leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology and leadership in cloud, data and AI with unmatched industry experience, functional expertise and global delivery capability. Our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Song, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients reinvent and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities.

Visit us at www.accenture.com