||Senior Functional Consultant|| || Retail Banking Transformation|| Full-Time||

Functional Consultant- Retail Banking-:- Note for this role need someone from the Big 4 Consulting company or Tier 1 Consulting background. (Deloitte or PwC (PricewaterhouseCoopers) or EY (Ernst & Young) or KPMG) Visa : - Only GC , USC, H4 EAD, L2 EAD, H1B Transfer Location : Pittsburgh PA/ Cleveland OH/ Dallas TX/ Charlotte NC/ Florham Park, NJKey Platforms: FIS, Fiserv, or equivalent Retail Banking SuitesAbout the RoleWe are seeking a high-caliber Senior Functional Consultant to join our Financial Services Consulting practice. In this role, you will be a strategic architect of change, helping retail banks navigate the shift from traditional legacy banking business models to data-driven, customer-centric digital powerhouses.As a key player in our team, you will lead the discovery and definition of complex problem statements, evaluate sophisticated solution options, and deliver actionable recommendations that redefine the banking experience.Key ResponsibilitiesDiscovery & Strategic Definition

• Current State Assessment: Lead comprehensive diagnostic phases to evaluate existing retail operations, identifying friction points in deposit banking and branch workflows.
• Problem Definition: Synthesize complex data and stakeholder feedback into clear, prioritized problem statements and business cases.Business & Functional Analysis:
• Lead business process reviews and functional assessments across retail banking products / platforms.
• Document as-is processes, gaps, and opportunities for automation.
• Define functional requirements, BRDs, FRDs, user stories, and acceptance criteria.
• Partner with Product Owners on roadmaps, features, and prioritization.
• Participate in solution validation, UAT, and functional walkthroughs.Modernization & Transformation
• Retail Channel Modernization: Guide clients through the evolution of physical and digital channels, ensuring a seamless customer experience.
• Target Operating Model (TOM) Design: Define the future-state organizational structures, processes, and technology alignments required to support modern retail banking.
• Customer Service Modernization: Implement advanced service models (AI-driven support, modernized contact centers) to improve resolution times and NPS.Customer Experience & Analytics
• CX Enhancement: Design end-to-end customer journeys for deposit products and branch interactions, focusing on hyper-personalization.
• Customer Analytics: Leverage enterprise data management practices to provide insights into customer behavior, enabling predictive service and targeted product offerings.Regulatory & Compliance Integration
• Compliance by Design: Ensure all solution recommendations embed regulatory controls (e.g., KYC, AML, Reg CC, Reg E) directly into the functional workflow.
• Risk Mitigation: Stay abreast of the evolving retail regulatory landscape to ensure client transformations remain audit-ready and compliant.Stakeholder Management:
• Manage relationships with executives, product owners, data and Technology heads
• Act as a trusted advisor, managing expectations and navigating competing priorities in a fast-paced environment
• Facilitate sessions across Operations, Risk, Compliance, Technology, and Product teams.
• Prepare executive-ready documents including business cases, process models, and impact assessments.Requirements & QualificationsCore Requirements:
• Experience: 7–12+ years of progressive experience in Retail Banking functional consulting or business transformation.
• Domain Expertise: Deep knowledge of Deposit Banking, Branch Operations, and Retail Lending.
• Platform Proficiency: Hands-on experience or deep functional familiarity with core banking platforms such as FIS or Fiserv.
• Analytical Rigor: Proven ability to conduct detailed business process analysis and translate findings into executive-level recommendations.

Preferred Qualifications

• Consulting Pedigree: Prior experience with a Big 5 consulting firm.
• Data Mastery: Solid understanding of Enterprise Data Management practices, including data governance and lineage.
• Regulatory Knowledge: Advanced understanding of the global or regional regulatory compliance landscape specific to retail consumers.