ATM Lead - Cash Management & ATM Strategy (Remote, Contract)

Role Summary

We are seeking an experienced ATM Lead to serve as the subject matter expert and owner of the ATM Future-State Strategy track for a major financial institution undergoing a core modernization initiative. This contract role involves blending functional and technical leadership to develop a unified, member-focused cash management and ATM strategy aligned with API-driven branch modernization.

Key Responsibilities

• Collaborate with stakeholders to confirm ATM scope and integrate it with the broader cash management discovery workstream.
• Conduct a comprehensive, high-level inventory of the existing ATM environment, covering fleet composition across all ATM classes (branch-attached proprietary, remote proprietary, co-op, network), governance frameworks, operational challenges, and technology landscape.
• Lead and facilitate vision workshops and stakeholder interviews to align on a cohesive future-state ATM and cash management vision.
• Document the future ATM member experience emphasizing self-service, cash access, and consistent channels.
• Align stakeholders on strategic tradeoffs, such as member experience versus cost, governance consolidation versus status quo, expanded functionality versus ecosystem complexity.
• Develop an actionable future-state ATM strategy, detailing required capabilities and operational considerations.
• Design a future ATM member experience and high-level execution plan aligned with the client's modernization roadmap, risk posture, and cloud-first principles.
• Create a Strategic Decision Framework providing tradeoff analyses with options, risks, benefits, and explicit decisions.
• Ensure ATM strategy outputs integrate seamlessly into overall cash management implementation plans.
• Incorporate ATM governance and technology aspects into the wider Cash Management Operating Model.

Deliverables

• Week 3: High-level Future-State ATM Vision document defining member experience and tradeoff dimensions.
• Week 7: ATM Strategic Tradeoff Analysis detailing options, risks, benefits, and decision points.
• Week 7: Comprehensive ATM Future-State Strategy with capabilities, operations considerations, and execution roadmap.

Required Qualifications and Experience

• 10-15+ years in ATM operations, channel strategy, and self-service technologies.
• Expertise across all ATM types: branch-attached, remote/off-premise, co-op, and network; knowledge of operating, governance, and cost nuances.
• Hands-on familiarity with ATM hardware platforms, software stacks compliant with XFS, CEN, and WOSA standards, switching infrastructure, and management systems.
• Experience designing ATM operating models, including governance, cash replenishment cycles, maintenance models, and service level agreements.
• Deep understanding of ATM member experience from design and operational perspectives, including advanced features like deposit automation and cardless access.
• Strong knowledge of ATM integration patterns, connectivity, switch and card network interactions, and API-driven ATM management.
• Familiarity with cloud-first, API-based, headless architectures as applied to ATM ecosystems.
• Understanding of interactions between ATM systems and core banking platforms especially within Oracle modernization contexts.
• Experience evaluating upstream/downstream IT dependencies and data flows within branch and ATM environments.
• Proven ability to create and communicate a future-state ATM strategy balancing multiple stakeholder priorities and operational constraints.
• Skilled at facilitating executive workshops, aligning diverse groups, and structuring strategic tradeoff analyses for leadership decision-making.
• Prior consulting experience collaborating closely alongside client teams in fast-paced workstreams.

Preferred Background

• Exposure to credit union ATM ecosystems, shared branching, and CO-OP networks.
• Experience in branch modernization projects involving cash-lite and hub-and-spoke strategies.
• Knowledge of regulatory and compliance standards relevant to ATM operations (e.g., BSA/AML, Reg E, ADA).
• Engagement with ATM OEMs such as Client Atleos, Diebold Nixdorf, and Hyosung in advisory or evaluation roles.