RTH-Y FSS Band – 8/9 JRS - Industry Consultant-Banking JD – Strong knowledge and hands-on experience in Payments industry and in design, development, and implementation of real time payment systems Comprehensive expertise across the instant payments ecosystem, covering global systems such as Faster Payments, including Vocalink. Strong knowledge of Vocalink Instant Payment System (IPS) implemented in SAMA. We have gone live for Release 0 and some of the PCRs. Release 1 is due to be completed in 2026 and hence the hands-on experience in Vocalink IPS is a critical requirement for this role. Deep knowledge of ISO 20022 message standards Hands-on experience in message structure design, mapping, and migration from legacy MT formats Deep knowledge of Payment scheme rules and compliance frameworks Experience in clearing and settlement mechanisms (RTGS, ACH, and bilateral or multilateral models) Experience in cross-border payments through SWIFT gpi and ISO-driven interoperability. - IBMFG2JP00008260