BANKING CONSULTANT JOB DESCRIPTION

Regulatory pressure on financial institutions rarely forgives gaps in expertise. When banks face CRR reporting obligations, core system transitions, or internal audit findings with no qualified external voice to interpret them, remediation timelines stretch and regulator relationships erode. Banking Consultants fill that gap: professionals who move between engagement management and deep technical advisory work, often credentialed across both capital markets operations and compliance frameworks. They operate within practice teams serving banks, securities firms, and adjacent financial institutions on mandates that range from target-state architecture to regulatory monitoring programs.

As the Banking Consultant, you translate complex regulatory and operational challenges faced by banking clients into structured, deliverable consulting engagements that produce measurable outcomes across compliance posture, architecture, and risk management. You work within a banking practice alongside senior partners and junior colleagues, typically spanning multiple concurrent client accounts while reporting to engagement leadership or a practice director.

Career Impact: Sustained client delivery in banking compliance and IT advisory - areas where CRR, AML, and core-system expertise remain scarce - builds a portfolio that distinguishes you from generalist consultants in a credential-driven market.

Business Impact: The quality and timeliness of your analysis directly determine whether client banks pass regulatory reviews and avoid the reputational and financial consequences of audit findings or compliance gaps.

Growth Opportunity: Consistent exposure to regulatory reporting frameworks, B2B software implementation, and engagement management creates a defined path toward senior consulting roles or internal leadership positions within a banking practice.

Company Value: Consultants in this practice model report working in a team culture that values independent initiative alongside close peer collaboration, with travel scoped primarily to client engagements rather than sustained relocation.

• Manage consulting engagements across banking compliance, regulatory reporting, and core system implementation from initiation through delivery.
• Analyze client banking operations to identify gaps in regulatory adherence, architecture alignment, or data model mapping.
• Develop and present transition roadmaps, target-state architectures, and remediation plans to management-level bank stakeholders.
• Lead workshops with client teams to define data source mappings, configure solutions, and validate regulatory models against applicable frameworks.
• Monitor legislative and regulatory developments, including applicable federal and local banking regulations, and advise client business lines on required changes.
• Review proposed products, services, vendor agreements, and marketing materials for compliance with current regulatory standards.
• Prepare detailed audit reports, findings documentation, and project records for internal and client-facing review.
• Coach and develop junior team members within the banking practice across both technical delivery and client engagement skills.

• Bachelor's degree in Finance, Business, Information Technology, or a related field, or equivalent work experience.
• 6 or more years of banking advisory, regulatory compliance, or financial institution IT implementation experience, with demonstrated client-facing delivery.
• Working knowledge of banking regulatory frameworks, including federal compliance requirements applicable to financial institutions.
• Demonstrated ability to conduct structured analysis of banking operations, data models, and compliance posture and translate findings into actionable recommendations.
• Proven project management capability across multi-stakeholder banking or financial services engagements.
• Strong written and verbal communication skills, including proposal development, executive presentations, and formal reporting.
• Established ability to build and maintain relationships with management-level personnel at banks or financial institutions.

• Experience with regulatory reporting standards such as CRR, AnaCredit, or equivalent capital adequacy and liquidity frameworks.
• Background in core banking system implementation or configuration, particularly in B2B software delivery contexts.
• Prior experience in business development, including proposal creation and participation in RFI/RFP responses.
• Familiarity with internal audit functions within a financial institution, including policies, controls, and audit lifecycle management.

• Client engagement delivery rate, measured against contracted milestones and agreed timelines across active mandates.
• Regulatory review pass rate for clients following compliance advisory or audit remediation engagements.
• Audit finding closure rate, tracking how quickly identified gaps are resolved within a reporting cycle.
• Proposal conversion rate for new banking consulting mandates sourced or supported by the consultant.
• Client satisfaction score (CSAT or equivalent) collected at engagement close, reflecting advisory and delivery quality.
• Typical tools: regulatory reporting platforms (commonly Temenos, EMRIC); project and documentation tools (commonly MS Office suite, SQL-based data environments).

• Base Salary Range: $95,000 to $145,000 annually, depending on seniority and market
• Bonus: Performance-based annual bonus, typically 10% to 20% of base salary
• Equity: Not standard at most consulting firms; equity may apply at partner-track or senior levels
• Health Benefits: Medical, dental, and vision coverage; employer contribution varies by firm
• PTO: 15 to 20 days annually, plus federal holidays; senior roles may carry additional flexibility
• Common Perks: Professional development allowance, certification support, travel reimbursement for client engagements

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, genetic information, or any other characteristic protected under applicable federal, state, or local law. Candidates requiring reasonable accommodations during the application or interview process may request them at any time. All offers of employment are contingent on successful completion of a background check. Applicants must be authorized to work in the United States.

The Banking Consultant owns end-to-end consulting and sales development across banks, security firms, and related companies in the country, driving architecture innovations and defining target state roadmaps. Working alongside the Indonesia management team and the global Banking/Capital Markets practice, this role shapes the delivery of consulting engagements that advance client business models and processes.

Key Responsibilities

• Identify and develop consulting opportunities from banks, security firms, and related companies operating in Indonesia.
• Involve in end-to-end sales activities with support from the Indonesia management team and global/regional Banking/Capital Markets team.
• Analyze and conceptualize business models, processes, and solutions.
• Drive banking architecture innovations, define target state and transition roadmaps.
• Lead consulting service delivery as an engagement manager.
• Lead teams and projects, coach and develop junior colleagues in the banking practice.

Required Qualifications

• Bachelor's degree in a relevant field or equivalent work experience.
• Minimum 6 years of experience within a bank, financial institution, or consulting practice.
• Understanding of practical banking or capital markets business operations and local and global banking regulations.
• Strong project management expertise, especially for IT project implementation in banking.
• Experience with banking core applications, front applications, BI and data analytics, and RPA.
• Experienced with sales activities including proposal creation and presentation.
• Strong relationships with management-level personnel at banks, security firms, and related companies in country.
• Good analytical and problem-solving skills.
• Business-level English communication.

Embedded within the retail branch team, the Banking Consultant delivers cross-selling and referral outcomes across loan products, customer assistance, and cash management operations. Working closely with branch colleagues, this role builds the bank's retail product base by identifying sales opportunities and maintaining teller cash accuracy in support of daily branch targets.

Core Functions

• Refer retail credit products and services to customers.
• Promote loan applications, including types, rates, fees, and processing requirements.
• Identify sales and referral opportunities in traditional and non-traditional bank product areas.
• Achieve cross-selling goals and deliver a one-stop customer assistance approach.
• Balance teller cash drawer, perform cash reconciliations, and manage transfers to vault, TCR, TCD, ATM, and coin machine.
• Order and ship currency and coin, and monitor and promote sales activity contests.

Qualifications & Experience

• Eligible to register with NMLS (Nationwide Mortgage Licensing System and Registry).
• Minimum 1 year of related experience, with prior teller experience preferred.
• Proven sales experience with willingness to cross-sell the bank's products and services.
• Working knowledge of Microsoft Office, Word, Excel, and Outlook.
• Exceptional customer service skills and a poised, professional demeanor at all times.
• Reliable, dependable, self-motivated, and able to work independently or as a team member.

Reporting to branch leadership, the Banking Consultant shapes customer experience across the full ANZ retail product set by conducting consumer lending analysis, ensuring regulatory compliance, and supporting bank programmes. Partnering with branch teams and customers directly, this role delivers the advocacy and risk awareness that sustains real customer value and long-term engagement.

Primary Duties

• Provide an exceptional customer experience meeting the needs of customers across the Retail product set, excluding Home Lending.
• Contribute to customer engagement and advocacy and create real customer value.
• Conduct basic analysis of financial information relating to consumer lending.
• Actively participate in and support bank programmes and initiatives.
• Ensure compliance with ANZ and branch policies and procedures.
• Take responsibility to Know Your Customer from a risk perspective.

Skills & Qualifications

• Sound understanding of compliance.
• Working knowledge of different digital channels.
• Demonstrated relationship and networking skills.
• A positive attitude with a growth mindset.
• Exceptional customer focus with excellent communication and interpersonal skills.

Sitting at the intersection of mortgage origination and retail banking sales, the Banking Consultant leads customer needs assessment, generates sales opportunities across banking and insurance products, and completes over-the-counter transactions that support key channel initiatives. Operating across internal referral networks and outbound customer contact, this role enables consistent loan quality and production results aligned to personal and strategic activity goals.

Duties

• Assess customer needs and recommend appropriate products through targeted communication.
• Generate sales opportunities within banking, general insurance, and life products to achieve sales, service, and compliance targets.
• Proactively make outbound calls to existing and previous customers to discuss new products.
• Complete over-the-counter transactions efficiently and introduce customers to electronic banking methods.

Requirements

• Proven track record in banking, sales, or retail.
• Sound ability in technology and digital solutions.
• High level of enthusiasm and drive.
• Strong attention to detail and ability to explain information coherently in oral and written formats.
• Ability to establish and develop customer relationships.

A key member of the National Banking Practice compliance team, the Banking Consultant delivers regulatory monitoring, internal audit direction, and implementation guidance across banking laws and client review processes. Collaborating across business lines and serving as the external compliance liaison, this role builds the control environment that protects clients and ensures ongoing regulatory readiness.

Functions

• Maintain current knowledge of applicable banking laws, regulations, and guidance and monitor legislative developments.
• Serve as liaison for external compliance reviews, acting as point of contact for documentation and draft report review.
• Participate in client review processes for proposed products, services, vendors, and marketing materials.
• Act as a resource to business line management on regulatory changes and provide implementation guidance.
• Establish and direct effective audit policies and controls, reviewing them regularly to safeguard assets.
• Identify audit responsibilities, direct the internal audit function, and prepare detailed reports for management.

Experience & Qualifications

• Bachelor's degree with 3 to 5 years of regulatory compliance or internal audit experience in a financial institution.
• Broad knowledge of bank operations, products, services, and applicable laws and regulations.
• Ability to research, interpret, and apply laws and regulations to provide workable recommendations.
• Strong analytical and judgment skills.
• Excellent verbal, written, and interpersonal communication skills.
• Able to self-manage projects, handle multiple tasks simultaneously, and work independently.
• Able to work with all levels of bank management, staff, and customers, with some local travel required.

Seamless client outcomes in regulatory reporting depend on the Banking Consultant, who leads data model mapping workshops, configures solutions, and manages client relationships across the full consulting engagement lifecycle. Based within a collaborative consulting practice, this role advances the accuracy and timeliness of regulatory deliverables that clients in banking environments rely on to meet compliance obligations.

Accountabilities

• Conduct customer requirements analysis and prepare and manage workshops to define data model mappings.
• Draft project documentation and ensure timely delivery of consulting engagements.
• Configure solutions, assist with user testing, and conduct user training.
• Perform regulatory monitoring and assist subject matter experts in developing and testing regulatory models.
• Establish and manage client relationships and provide responsive customer support.
• Conduct software demonstrations and assist with responses to RFI and RFP documents from prospects and clients.

Technical Qualifications

• Master's degree in IT, finance, business, or a related field.
• Minimum 3 years of experience in regulatory reporting in a banking environment.
• Strong knowledge of CRR regulation, with experience in Anacredit, MFI, or local Swedish and Finnish regulations beneficial.
• Strong knowledge of core banking systems such as Temenos, EMRIC, Viveo, and SAB.
• Experience in banking information systems and SQL.
• Experience in project management, preferably in B2B software implementation or consulting.
• Native or fluent in Swedish and/or Finnish, fluent in English (additional languages welcome).
• Highly self-motivated, organized, and a strong team player with excellent written and oral communication skills and a problem-solving mindset.

As the Banking Consultant, this role builds networks among underserved entrepreneurs and CDFIs, delivering customized business banking solutions that address client financial needs where traditional approaches do not apply. The community business banking practice relies on this work to cultivate long-term relationships with non-profits and community organizations and to connect business clients with specialists across lines of business.

Activities

• Build relationships and utilize networks and local centers of influence to identify and support underserved entrepreneurs.
• Cultivate long-term relationships with CDFIs, non-profits, and community organizations leveraging internal resources.
• Leverage knowledge of businesses, markets, and financial concepts to develop business networks and prospects.
• Deliver comprehensive and customized business banking solutions tailored to client financial needs and circumstances.
• Build collaborative internal and external relationships to ensure a seamless client experience.
• Protect the firm by following sound risk management protocols and adhering to regulatory requirements.
• Discover personal financial goals of business clients and connect them with appropriate specialists across lines of business.

Position Requirements

• Bachelor's degree in Finance or a related field, or equivalent work experience.
• 5 to 7 years of experience in business banking relationship management or commercial lending.
• Extensive knowledge of business credit, deposit, cash management products, and business credit underwriting.
• Strong relationship management, business development, and negotiation skills with proven experience in emerging territories.
• Ability to identify opportunities, manage risk, and deliver customized solutions when traditional approaches do not apply.
• Proficient in MS Word, Excel, and PowerPoint.
• Strong written and verbal communication skills.
• Able to work independently, manage multiple priorities, and travel as required.