Senior Consultant / Manager – Electronic Payments, ACS & 3-D Secure

Duration: 6 months | Start date: September 14, 2026 | Location: Paris | Daily rate: Based on experience

We are looking for a Senior Consultant/Manager specializing in electronic banking, e-commerce authentication and payments on behalf of one of our banking clients as part of an audit project of a strong e-commerce authentication system.

Context

The mission focuses specifically on theanalysis of an ACS device (Access Control Server) and its interactions with 3-D Secure pathways, L'cardholder authentication and fraud scoring mechanismsThe consultant will intervene in support of the mission's experts to analyze the system, collect evidence and formalize findings and recommendations.

The scope is focused on the ACS system and associated processes, without an exhaustive review of the entire payment chain.

Roles and responsibilities

Your responsibilities will include:

• Analyze the audited ACS system and its interactions with the 3-D Secure pathways.
• Study the mechanisms of strong authentication and cardholder authentication.
• Analyze the interactions between authentication, fraud scoring and customer journey.
• Participate in interviews with the payment processing, business, fraud, risk and IT teams.
• Analyze the available processes, controls, procedures and documentation.
• Contribute to the information for the audit repository relating to the e-commerce authentication system.
• Collect and analyze the evidence necessary for the audit work.
• Participate in risk analysis and the identification of areas requiring attention.
• Formalize the observations, findings and recommendations resulting from the work.

Required Skills

Ideally, you have:

• Main area of expertise: Electronic payments, ACS, 3-D Secure and e-commerce authentication
• Proven expertise in electronic banking and card payments.
• Good understanding of e-commerce payment processes.
• Mastery of strong authentication (SCA) mechanisms.
• Solid knowledge of 3-D Secure (3DS).
• Good understanding of the role and operation of an ACS (Access Control Server).
• Understanding the interactions between authentication, fraud scoring and customer journey.
• Knowledge of SCA exemptions and anti-fraud mechanisms.
• Good knowledge of the actors and processes in the payment chain.
• Experience in a banking, payments or financial services environment.
• Sensitivity to regulatory and security issues related to payments.
• Ability to analyze control mechanisms and evidence.
• Critical thinking and strong analytical and synthesis skills.
• Proficient in conducting interviews and document analysis.
• Ability to formalize findings and recommendations in a clear and structured manner.
• Experience in auditing, internal control, risk management or inspection is an asset.

Details

• Start date: mid-September
• Location: Paris
• Duration: 6 months
• Freelance

If you are ready to take on this challenge within a major project, please send us your detailed CV highlighting your relevant experience in relation to this mission.

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