Only you can answer the question about consultancy versus investment banking. In terms of consultancy, there are many alternative firms to join other than IBM. Given your ACA background, would you not be a better fit to join one of the consulting arms of the Big 4 firms ?? I’ve never worked for IBM, but friends of mine have, and they said that the whole atmosphere was not pleasant there: very political, limited training, bonuses and pay rises that rarely materialise, all resulting in a high staff turnover rate. Others will argue that IBM gives you the flexibility to work across all parts of the IT sector, and that the brand is instantly recognisable on a CV. Hope this helps you with your decisions …