Maybe you should contract work and charge 200 an hour if you have specialized knowledge. Banks will a lot for a contractor with a very specialized skillset.

Thats not really how it works. Banks, utilities, some government agencies, etc will pay 200 to 400 an hour only if it's a single throat to choke with deep reserves to bail things out when they go South and 1/2"the time they do on these large waterfall like projects. It is somewhat expected. That's why they're paying the larger rates. You can tag along with one of these jobs but you'll get 1/2 to 2/3 the rate. So that looks closer to a 100 to a 175 an hour. They won't pay you direct except in extreme circumstances where you have contacts and/or otherwise do most of the sales marketing piece which for a large place like a bank can take a year or more to get in the door.