ACADEMIC QUALIFICATIONS

Bachelor of Science: S.P. University India

Masters in Business Administration Executive; Masters in Computer Applications: Symbiosis Institute of Business Management; Gujarat University

PROFILE SUMMARY

Result-driven senior technology leader with 24+ years of experience in banking and financial technology across the USA and India. Proven track record in leading large global portfolios (up to $150M+), driving digital transformation, cloud adoption (AWS), DevSecOps implementation and regulatory technology programs. Extensive experience across financial crime compliance, payments, cards, wealth management and private banking technology. Recognised for aligning business strategy with technology execution, building high-performing global teams and delivering measurable cost optimisation, resilience and growth outcomes.

CONSULTING EXPERIENCE

7 years

EXPERIENCE HIGHLIGHTS

Western Union
Director Digital Products Dec’22 - Present
- Western Union is the world’s largest money transfer service provide with more than 510,000 retail locations in 200 countries. Notably, over the last 3 years I led the roll out of new Digital Web and App experience to 24 countries globally.
- Drove the overhaul of the technology stack to the latest React/NJS, GraphQL and Microservices architecture that allowed rapid scaling, faster delivery of value, and far greater service availability up from 95% to 99.95%, resilience, cybersecurity posture. The improving customer experience resulted in driving higher conversion and top-line growth, while converting CapEx to OpEx by incremental adoption of Cloud computing services resulting in bottom-line saves.
- Lead close collaboration with Customer Operations team to improves Customer Care KRAs and KPIs – driving self-service options AI Chatbot Adoption that resulted in reduction of call volume by 18%
- As the site leader for Product and PMO organization, lead the strategy for headcount growth attracting best talent that drives work with ownership end to end from offshore.

HSBC
Global Head of FCC and Regulatory IT Jan’19 - Dec'22
- Reporting to the Wealth and Private Banking IT CIO I was responsible for delivery of a large portfolio of $35M Regulatory and Financial Crime Compliance Technology value stream
- During 2021-22 led two strategic programs for Private Banking: AWS Cloud adoption for GPB, and India Private Banking and Wealth Proposition program discovery and mobilization
- As the Value Stream Lead for Risk and Compliance, partner with Head of Compliance and Chief Risk office, in quarterly PI planning, defining OKRs, tracking delivery against the OKRs. Lead the engineering teams driving Financial Crime Risk compliance applications including solutions for Payments sanctions screening, AML Transaction monitoring, Name screening and Customer risk ratings.
- Driving the adoption of CI/CD pipeline and DevSecOps adoption from ground up over 2 years building full pipeline of integration, deployment – GitHub, Jenkins, Ansible, SonarCube, and Tosca for Test Automation – driving highly available and secure systems 99.999% uptime
- Delivered multiple time critical regulatory change programs keeping bank compliant with the new Regulations while also delivering competitive advantage such as PSD2 Open Banking, GDPR, SRD-2, SFTR, MiFID-II, IFRS9

HSBC
Head of Portfolio and Program Management Apr’14 - Dec’18
- Reporting to GPB CIO and part of management team, I managed a $115M global IT Portfolio including change and run the bank initiatives with globally distributed team of Program/Project Managers and PMO
- Drive technology AOP planning – to translate Strategy to portfolio of projects and programs, defining OKRs, tracking them to completion. Lead the Global IT Transformation initiative for Private Banking which delivered:
- Increased offshore utilization of IT resources from 45% to 70% over 3 years
- Delivered sustainable savings of $24m on Direct Costs and $41m on charge basis, driven by Core Banking Platform and Digitization Strategy Implementation
- Led technology landscape simplification while optimizing costs with Resource Location Strategy & CAPEX/OPEX optimization
- Facilitated the transformation of Ways of Working with Agile and DevOps methodologies and practices
- Imparted training to 800+ associates, embedding coaches; drove organization redesign and associated IT process and tools re-engineering

HSBC
Program Manager – Global Standards Program Dec’12 - Mar’14
- Part of the program setup to address the Bank’s obligations to US DoJ under a deferred prosecution agreement to strengthen its Financial Crime Risk controls
- Steered the definition phase of this global program for the Private Banking in getting the program up and running, establishing technology teams and solutions deploy new across 6 primary countries and 21 secondary countries – driving fundamental changes in ways of operating across people, process and technology
- Drive deep dives across each of the workstreams: KYCS & CDD, Client Risk Rating, Periodic and Event Driven Reviews, Adverse Media Screening, End to End Data Quality and Governance, ExPolicies and Procedures.

HSBC Cards USA
Delivery Head Nov’10 - Nov’12
- Delivered excellence in setting up new US Credit Cards IT development team of 190+ resources at offshore $12M+ business facing AOP, consisting employees and vendors supporting single largest card portfolio for HSBC, delivered $11M+ in savings on change and run the bank costs
- Rendered offshore Change-the-Bank and Run-the-Bank support with resources spread across 6 sites including India 4 locations, Malaysia and onsite associates in US
VP Consultant Technical Project Manager Mar’06 - Nov’10
- Acted as Program Manager / Release Manager large complex quarterly software releases $10M+ for Cards and Retail Services business, comprising 20+ projects while leading a team of Project Managers across MasterCard and Amex
- Engaged in managing a large transformational Program for HSBC Brazil, a $35M initiative to consolidate two different outsources credit cards platforms to one single Global Cards processing platform
- Provided the Debit Card Payment solution for Collections business delivering $12MM annual benefit to business and provided innovative solution for their high-risk-of-default collection accounts and NSF cases 2009
- Led high visibility and critical Data Center Cost Savings Program, aimed at driving efficiencies in data center cost and consumption including the tracking of 100+ projects and delivering annualized savings upwards of $5.3M 2007
- Successfully implemented a highly customization turnkey solution for Cards Marketing business to enable quick Affinity Card launches NBA, with ~2M budget and ~200 man months of efforts 2006-07
- Steered the first ever ‘90-Day Product Launch’ project, reduced the time-to-market for a new product 9 months to 3 months and cost by 55% for launching new Credit Card to market 2006

Patni Computer Systems
Client Integration / Project Manager Jun’05 - Feb’06
- Pivotal part of the core team that launched the first GE-PayPal’s Co-Branded Credit product – PayPal Buyer Credit – a unique online to offline Payment proposition. Acted as primary liaison between PayPal and GE’s Technology and Business team
- Collaborated with Business and Marketing teams in product conceptualization, requirements definition; consulted on best options and alternatives, project initiation and planning
- Steered the development and integration/functional testing working with resources from PayPal, Patni, GE, Cognizant
Project Manager / Team Lead / Architect Sep’01 - Jun’05
- Team lead driving end-to-end delivery and maintenance for the Imaging, Midrange and Fraud Applications team for all the Imaging and Document Management applications FileNet, Credit Card Fraud detection applications based on Artificial Intelligence and neural networks learning Falcon and several other small and medium sized applications 20+ in VC++/C/Pro*C, Unix, Oracle, VB, Java and on average 2003-05
- Managed 8-15 concurrent projects with at least 80% offshore leverage
- Administered the core middleware module team as part of implementing a world class solution for GE’s new integrated web based solution for Customer Care Services, Collections, Dialer team and Workflow automation team 2001-03
Senior Software Engineer Aug’99 - Aug’01
- Engaged in working on:
- Several new software products and applications raging across distributed CORBA applications, Object Oriented Analysis and Design tool using UML, Meta Object Facility and Integrated repository. Wide array of projects including new product development, re-engineering, porting, conversion projects, primarily in C/C++/Unix/Oracle