Business Transformation Senior Managing Consultant

IBM

IBM

Toronto, ON, Canada

Posted on Apr 24, 2026
Introduction

The Senior Managing Business Transformation Consultant will be a key member of IBM’s Payments Center Strategy and Business Consulting practice. This role focuses on helping financial institutions, payment service providers, market infrastructures, and ecosystem partners shape and execute their payments transformation agenda. The ideal candidate combines deep payments expertise with strong consulting skills, enabling clients to design strategies, modernize capabilities, and navigate regulatory and operational change.

Your role and responsibilities

As a Senior Managing Business Transformation Consultant in the IBM Payment Center, you will have the following responsibilities:

  • Lead the development of payment strategy, operating models, and multi‑year transformation roadmaps.

  • Design and advise on national, regional, and commercial market infrastructure models, future‑state business architectures, and interoperability frameworks.

    Lead a team of Business Transformation Consultants internally and externally with the clients

  • Define, analyze, and validate business requirements for payment modernization, platform transformation, and new product development initiatives.

  • Design and optimize business processes, workflows, and customer journeys across the payments value chain.

  • Provide advisory support on regulatory changes, compliance obligations, risk mitigation, and policy impacts affecting payments modernization programs.

  • Facilitate stakeholder engagement across banks, fintechs, regulators, schemes, and technology partners.

  • Develop and present high‑quality deliverables, including business cases, strategy documents, operating model designs, and transformation approaches.

  • Support go‑to‑market initiatives, thought leadership, and client proposal development.

  • Actively participate in all stages of the product lifecycle: discovery, analysis, design, development, testing, UAT, and go-live.

  • Mentor junior consultants and contribute to practice growth.

Required education
Bachelor's Degree
Preferred education
Bachelor's Degree
Required technical and professional expertise
  • Minimum 10 years of experience in payments, financial services consulting, or related transformation roles.
  • Strong understanding of payment domains such as real‑time payments, high‑value payments, card payments, cross‑border, open banking, or digital wallets.
  • Experience delivering strategy and business architecture work, including current‑state assessment and future‑state design.
  • Strong capability in translating business needs into structured requirements and process designs.
  • Working knowledge of payments regulations, industry standards, scheme rules, risk and compliance requirements.
  • Proven experience engaging senior stakeholders and facilitating sessions across business and technology teams.
  • Excellent analytical, communication, and presentation skills.
  • Ability to work in a fast‑paced, multicultural, global consulting environment.
  • Familiarity with payment operations, settlement processes, and resiliency requirements.
  • Understanding of emerging themes such as CBDC, tokenized deposits, digital assets, AI in payments, or fraud management.
  • Be familiar with information technologies and tools such as JIRA, confluence
  • Consulting experience with top‑tier banks, central banks, payment scheme operators, or large fintechs.
Preferred technical and professional experience
  • Digital Assets
  • Familiar with BIAN framework
  • Experience with national or regional market infrastructure modernization programs (ISO 20022, instant payments, RTGS renewal, cross‑border improvements).

ABOUT BUSINESS UNIT

IBM Consulting is IBM’s consulting and global professional services business, with market leading capabilities in business and technology transformation. With deep expertise in many industries, we offer strategy, experience, technology, and operations services to many of the most innovative and valuable companies in the world. Our people are focused on accelerating our clients’ businesses through the power of collaboration. We believe in the power of technology responsibly used to help people, partners and the planet.

YOUR LIFE @ IBM

In a world where technology never stands still, we understand that, dedication to our clients success, innovation that matters, and trust and personal responsibility in all our relationships, lives in what we do as IBMers as we strive to be the catalyst that makes the world work better.

Being an IBMer means you’ll be able to learn and develop yourself and your career, you’ll be encouraged to be courageous and experiment everyday, all whilst having continuous trust and support in an environment where everyone can thrive whatever their personal or professional background.

Our IBMers are growth minded, always staying curious, open to feedback and learning new information and skills to constantly transform themselves and our company. They are trusted to provide on-going feedback to help other IBMers grow, as well as collaborate with colleagues keeping in mind a team focused approach to include different perspectives to drive exceptional outcomes for our customers. The courage our IBMers have to make critical decisions everyday is essential to IBM becoming the catalyst for progress, always embracing challenges with resources they have to hand, a can-do attitude and always striving for an outcome focused approach within everything that they do.

Are you ready to be an IBMer?

ABOUT IBM

IBM’s greatest invention is the IBMer. We believe that through the application of intelligence, reason and science, we can improve business, society and the human condition, bringing the power of an open hybrid cloud and AI strategy to life for our clients and partners around the world.

Restlessly reinventing since 1911, we are not only one of the largest corporate organizations in the world, we’re also one of the biggest technology and consulting employers, with many of the Fortune 500 companies relying on the IBM Cloud to run their business.

At IBM, we pride ourselves on being an early adopter of artificial intelligence, quantum computing and blockchain. Now it’s time for you to join us on our journey to being a responsible technology innovator and a force for good in the world.

IBM is proud to be an equal-opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity or expression, sexual orientation, national origin, genetics, pregnancy, disability, neurodivergence, age, or other characteristics protected by the applicable law. IBM is also committed to compliance with all fair employment practices regarding citizenship and immigration status.

OTHER RELEVANT JOB DETAILS

Must have the ability to work in Canada without sponsorship.

This role will involve working with technology that is covered by Export Regulations sanctions. If you are a Foreign National from any of the following US sanctioned countries (Cuba, Iran, North Korea, Syria, and the Crimea, Luhansk, Donetsk, Kherson, and Zaporizhia regions of Ukraine) on a work permit, you are not eligible for employment in this position.

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