Solution Consultant

Powering the world’s payments ecosystem

ACI powers the payments ecosystem – globally, and you power ACI.  You’ll innovate, collaborate, and grow – in an energetic technology culture with decades of proven success.  ACIers – in all roles and levels – are truly your colleagues and many are your friends. Our size and reach allow you to see the global impact of your work. You are visible, your talents are valued, and you are empowered to shape the future of payments.

As a Solution Consultant in Germany. Spain, Netherlands, Romania, Italy, UK or Austria  you will join a diverse, passionate team, dedicated to powering the world’s payments ecosystem!

The purpose of the  Solution Consultant is:

As a Solution Consultant – Merchant, you will play a pivotal role in shaping how leading merchants design and optimize their payment and fraud strategies. This role sits at the intersection of payment orchestration, fraud & risk management, and payment intelligence, helping customers unlock measurable business outcomes such as improved authorization rates, reduced fraud losses, and enhanced customer experience.

You will act as a  advisor to enterprise merchants, translating complex payment, fraud, and data challenges into actionable strategies powered by ACI’s solutions. Working closely with Sales, Product, and Partners, you will drive value-led engagement, focusing on outcomes, not features.

This position is ideal for a consultant who brings  expertise in fraud, risk, or payment intelligence, combined with a strong interest or growing expertise in payment orchestration and the broader merchant payments ecosystem.

A typical day at ACI for a Solution Consultant is:

• Strategic customer engagements across the sales lifecycle, with a focus on fraud, risk, and payment optimization strategies
• Translate merchant challenges (e.g. fraud losses, false declines, conversion gaps) into data-driven value propositions and solution strategies
• Position ACI’s payment orchestration capabilities to enable smarter routing, decisioning, and performance optimization
• Define and articulate business outcomes, including:
  • Fraud reduction and risk mitigation
  • Authorization uplift and revenue recovery
  • Improved customer experience and checkout performance
• Conduct consultative discovery workshops, identifying key pain points across payments, fraud, and risk domains
• Design end-to-end solution approaches combining payments, fraud detection, and data intelligence
• Partner with Sales and Account teams to progress and win strategic deals
• Build compelling narratives, proposals, and ROI models
• Collaborate with Product and Product Marketing to shape roadmap direction and market positioning based on customer insights

Knowledge, Skills and Experience needed to succeed in this role: 

Core Experience

• 3–5+ years in one or more of the following domains:
  • Fraud & risk management (e.g. fraud detection, decisioning, chargebacks)
  • Payment intelligence / optimisation (e.g. authorisation uplift, routing strategies)
  • Merchant payments (acquiring, gateways, orchestration, wallets)
• Experience in a consultative, customer-facing role (Solution Consulting, Pre-Sales, Advisory)

Domain Expertise

• Understanding of:
  • Fraud prevention strategies and trade-offs (approval vs risk vs customer friction)
  • Payment performance drivers (authorisation rates, routing, issuer behaviour)
  • Data-driven decisioning and optimisation techniques
• Familiarity with payment orchestration platforms is a strong plus
• Alternatively: fraud/risk expertise with a clear motivation to expand into payments and orchestration

Consulting & Commercial Skills

• Ability to translate technical capabilities into  business value and outcomes
• Stakeholder engagement and good communication skills
• Experience building ROI cases, value models, and business justifications
• Ability to challenge customer assumptions and lead strategic conversations

Preferred experience:

• Experience working with enterprise merchants in retail, eCommerce, or digital services
• Exposure to regulatory frameworks (PSD2, SCA, etc.)
• Data-driven mindset with ability to leverage analytics and insights to drive decisions
• Comfortable working in complex, multi-stakeholder sales environments
• Strong collaboration with cross-functional teams (Sales, Product, Marketing)

Core Capabilities:

We seek colleagues who embody our core capabilities — these shape our culture and enable us to make a meaningful impact together:

• Ensure Accountability: holding self and others accountable to meet commitments.
• Drives Results: consistently achieving results, even under tough circumstances.
• Customer Focus: building strong customer relationships and delivering customer-centric solutions.
• Cultivate Innovation: creating new and better ways for the organization to be successful.
• Collaborates: building partnerships and working collaboratively with others.
• Courage: stepping up to address difficult issues, saying what needs to be said.

Applicants must be currently authorized to work in Germany, Spain, Netherlands, Romania, Italy, UK or Austria on a full-time basis. This position does not offer sponsorship for employment visa status or work permit now or in the future.

In return for your expertise, we offer opportunities for growth, career development, and a competitive compensation and benefits package—all within an innovative and collaborative work environment.

Are you ready to help us transform the payments ecosystem? To learn more about ACI Worldwide, visit our web site at www.aciworldwide.com

ACI Worldwide is an AA/EEO employer in the United States, which includes providing equal opportunity for protected veterans and individuals with disabilities, and an EEO employer globally.

Important Notice About Recruitment Scams
Job seekers should be aware of ongoing recruitment scams where individuals or organizations impersonate legitimate companies to offer fake job opportunities. These scams often involve requests for personal information, payments, or interviews through unofficial channels. Please be cautious and verify any communications claiming to be from our company (www.aciworldwide.com / @aciworldwide.com). The ACI Worldwide recruitment team will always follow official channels and will never request payment.

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