Payments Subject Matter Expert

Introduction

IBM Consulting's Digital Assets & Tokenization practice is at the forefront of helping global financial institutions tokenize securities, funds, and private market assets. We are looking for an experienced Capital Markets subject matter expert to help clients navigate the tokenization of equities, fixed income, private equity, and fund structures - bringing deep capital markets domain knowledge to engagements spanning custody, lending, and secondary market infrastructure.

Your role and responsibilities

As a Payments SME within IBM Consulting's Digital Assets & Tokenization practice, you will bring deep payments domain expertise to client engagements spanning stablecoin infrastructure, tokenized treasury operations, and cross-border settlement modernization. You will work directly with client stakeholders - from treasury and payments operations teams to C-suite sponsors - to translate business requirements into technically sound, regulation-ready solution designs, and support delivery teams through implementation.

• Serve as the payments domain authority on client engagements involving stablecoin architecture, tokenized deposits, and programmable payment rails.
• Advise clients on the design of treasury and accounts payable/receivable settlement solutions built on stablecoin and tokenized asset infrastructure.
• Partner with regulatory advisory teams to ensure payments solution designs account for evolving stablecoin and digital payments regulation.
• Contribute payments expertise to client proposals, points of view, and executive-level presentations to support business development.
• Collaborate with technical architects and engineering teams to ensure payments solution designs integrate cleanly with clients' existing payment rails and core banking infrastructure.
• Track the evolving stablecoin, tokenized deposit, and digital payments regulatory and competitive landscape, and translate that knowledge into client-ready points of view.

"Hybrid: Your work location of City, State was assigned based on business need and currently your role designated as a hybrid role. Hybrid roles are expected to perform their primary duties from a combination of IBM location, client sites or work at home. The required number of days to be in the office is to be determined by your management team. Any changes to this work arrangement must be preapproved by your manager before any changes are made. This Job can be performed from anywhere in the US."

Required technical and professional expertise

• 8+ years of experience in payments, treasury, or financial infrastructure roles, with direct experience in payments architecture, product, or strategy.
• Demonstrated understanding of stablecoin infrastructure, tokenized deposits, or digital payment rail architecture.
• Experience translating complex payments and treasury requirements into clear solution designs for both business and technical stakeholders.
• Strong client-facing communication and presentation skills, with experience advising senior client stakeholders.
• Working knowledge of relevant payments regulatory frameworks as applied to digital payments and stablecoins.

Preferred technical and professional experience

• Experience with specific stablecoin platforms, tokenized deposit infrastructure, or blockchain-based payment rails.
• Prior consulting or professional services experience, ideally within financial services.
• Relevant industry certification in payments, treasury management, or financial technology.
• Experience supporting business development, proposal writing, or client relationship management in a professional services environment.

IBM is committed to creating a diverse environment and 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, caste, genetics, pregnancy, disability, neurodivergence, age, veteran status, or other characteristics. IBM is also committed to compliance with all fair employment practices regarding citizenship and immigration status.