About the JobPearls Consulting is seeking a specialist team for a financial operations engagement with one of Saudi Arabia's important fintech platforms. The platform operates a wallet infrastructure, manages multi-party settlements, and requires seamless reconciliation across wallet engines, PSPs, card networks, and banking systems.Offer 1: Wallet / Payments Operations ConsultantWhat You’ll Do:Review wallet architecture, lifecycle transactions, and financial eventsEvaluate system integrations (SAP, banks, payment service providers (PSPs), and other external entities)Define processes related to wallet management and settlement, including withdrawals across all channels, refunds, recycling, and reversalsDesign reconciliation logic between PSP settlement files, wallet ledger entries, and bank statementsDefine the financial event taxonomy for each payment type, including card top-ups, international wire transfers, SADAD payments, refunds, withdrawals, and edge cases like partial payments, FX conversion mismatches, indeterminate transaction states, and failed authorisationsWork closely with the client’s product and finance teams, translating operational pain points into structured requirementsDesign the Target Operating Model for wallet and payment operationsEvaluate reconciliation platforms for their ability to handle the complexity of the ecosystemThe Ideal Candidate Will Have:7+ years of hands-on experience in digital payments, wallet operations, or fintech, specifically in operating systems rather than consulting about themPractical experience managing a wallet ledger, processing PSP settlement files, investigating failed payments, and handling escalations when reconciliation issues ariseDirect experience with at least one of the following: a wallet platform (STC Pay, Urpay, HalaPay, Revolut, Wise, Cash App, Payoneer), a PSP (HyperPay, , Adyen, Stripe, Tap Payments, PayTabs), or the payments operations team at a large marketplace or digital platformIn-depth understanding of card network settlement mechanics, including Visa, MasterCard, and Mada, as well as interchange fee structures and the distinctions between authorization, capture, and settlementExperience working in SAMA-regulated environments (or equivalent central bank oversight) for stored value/e-money productsOffer 2: Wallet / Payments Systems ConsultantWhat You’ll Do:Lead the system selection workstream by evaluating the market for reconciliation platforms and financial operations toolsBuild the evaluation framework and provide actionable recommendations based on your findingsWhat We’re Looking For:10+ years of experience in systems architecture, integration architecture, or solution architecture, with a strong focus on financial services or fintechHands-on experience with at least three of the following:SAP S/4 HANA integration (FICO module, bank communication, payment processing)Payment system architecture (PSP integration, card network flows, settlement processing)Wallet/ledger systems (BaaS platforms, e-money systems)Banking APIs and standards (ISO 20022, MT940/CAMT.053, SWIFT)Reconciliation platform architecture (BlackLine, ReconArt, Duco, or similar)Strong understanding of integration patterns, including real-time APIs, event-driven/webhooks, and file-based batch, and the trade-offs between themExperience with event-driven architecture, with familiarity in event sourcing concepts being a plusFamiliarity with BIAN service domain framework and TOGAF architecture methodologyLocation: Riyadh, Saudi Arabia (ideally) or remoteSenior Consultant Level : this is a hands-on expert role, not a team or client management position.Contact: Please send your resume to:
Job Title
Wallet / Payments Consultants