Application Consultant-Banking Application Modernization

Introduction A career in IBM Consulting is rooted by long-term relationships and close collaboration with clients across the globe. You'll work with visionaries across multiple industries to improve the hybrid cloud and AI journey for the most innovative and valuable companies in the world. Your ability to accelerate impact and make meaningful change for your clients is enabled by our strategic partner ecosystem and our robust technology platforms across the IBM portfolio; including Software and Red Hat. Curiosity and a constant quest for knowledge serve as the foundation to success in IBM Consulting. In your role, you'll be encouraged to challenge the norm, investigate ideas outside of your role, and come up with creative solutions resulting in groundbreaking impact for a wide network of clients. Our culture of evolution and empathy centers on long-term career growth and development opportunities in an environment that embraces your unique skills and experience.

Your Role And Responsibilities As a Application Consultant you will serve as a client-facing practitioner who sells, leads and implements expert services utilizing the breadth of IBM's offerings and technologies. A successful Consultant is regarded by clients as a trusted business advisor who collaborates to provide innovative solutions used to solve the most challenging business problems.

You will work on projects that help clients integrate strategy, process, technology, and information to increase effectiveness, reduce costs and improve profit and shareholder value. You can take advantage of opportunities to master new skills, work across different disciplines, move into new challenges and develop a robust understanding of different industries.

Your Primary Responsibilities Will Include

• Proposal Development: Identify clients’ business drivers, goals, and banking needs, and contribute to compelling proposals and value-driven business cases. Assess business requirements, solution scope, and implementation considerations to ensure proposed solutions are feasible and aligned with desired business outcomes.
• Requirements Analysis and Specifications Design: Lead the analysis and clarification of clients’ business needs, banking processes, and business rules, translating them into clear, complete, and traceable requirements and implementable functional specifications. Collaborate with architects and development teams to review and validate detailed functional and technical designs, ensuring coverage of end-to-end scenarios, system behavior, data flows, interfaces, and exception handling. Drive resolution of design gaps and support system integration and user acceptance testing to verify that the delivered solution meets agreed requirements.
• Future-Ready Architecture Planning: Understand clients’ business requirements and existing enterprise architecture, including core banking and surrounding applications. Work with architects to assess cross-system dependencies, integration needs, and impacts of proposed changes, and contribute to roadmaps for future enhancements. Ensure functional designs align with the target architecture and address relevant non-functional requirements to support long-term business and technology objectives.

Required Technical And Professional Expertise

• Practical knowledge of at least one banking domain—deposits, loans, remittance, foreign exchange, trade finance, or common banking services—with the ability to translate business processes and rules into implementable system requirements.
• Experience in banking IT implementation projects, translating business requirements into functional designs that define system behavior, data requirements, interfaces, and exception handling.
• Strong system integration analysis skills, with the ability to assess end-to-end transaction flows, cross-system dependencies, and impacts across core banking and surrounding applications.
• Ability to review and validate functional and technical designs with architects and development teams, ensuring complete requirements coverage, consistency across systems, and alignment with business objectives and relevant non-functional requirements.
• Experience driving requirements clarification and issue resolution across business, architecture, development, and testing teams, maintaining requirements traceability through design, system integration testing, and user acceptance testing.

Preferred Technical And Professional Experience

• Experience in core banking implementation or modernization, including gap analysis, solution configuration, customization, and integration with surrounding banking systems.
• Familiarity with banking integration patterns and data processing concepts, such as APIs, messaging, batch processing, data mapping, and reconciliation.
• Experience applying Taiwan banking practices and regulatory requirements to system design, including operational controls and auditability.