Executive Director, Global Payments Technology

J. P. MORGAN CHASE & Co.

• Global Technology Head for Payments Technology leading Provisioning, Tokenization, Stored Cards and Paze Wallet for connected commerce embedded payments in AWS with delivery teams and stakeholders in Palo Alto, Wilmington, NY, Plano, Bangalore and Hyderabad.
• Drive Product roadmap and marry the same with technical solution design for In-App (Push and Pull)Provisioning for multiple Third Party Wallets.
• Own & coordinate quarterly Product Increment Planning across technology & product teams within the same Agile Release Train and planned the feature roadmap with identifying cross-team dependencies.
• Successfully launched the Chase Pull Provisioning integration with United Airlines on AWS to unlock Lending at POS with United thereby giving customers a seamless way to add their Chase debit/credit cards to their wallet wherever they are in their United journey (booking a flight, managing a reservation, during check-in, and in post-booking paths).
• Successfully delivered a suite of new standardised reusable APIs for FPAN Provisioning for future merchant integrations along with Data Center migration to new NADC clusters.
• Redesigned the Payments provisioning flow for better customer experience using Octagon framework and optimising for better checkout resiliency and performance.
• Deep business engagement working in the global operating model to own the Quad (Product, Technology, Design and Analytics) for Embedded Payments across multiple APGs.
• Responsible for end-to-end product delivery across various Payments Product Groups along with cross-collaboration with various service providers like Billshark, Q2 and Actimize for subscription cancellation, card provisioning and risk profiling.
• Onboarding of new merchants using Push/Pull provisioning with customised provisioning experience across generalised micro-services hosted in AWS.
• Lead cohort hiring across connected commerce payments space to build feature-level squads and niche product level engagement.

Skills: Kafka Streams • Technical Product Management • Agile Methodologies • Mobile Payments •Vendor Management • Strategy • AWS • API Gateways • Team Management • Digital Payments

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Director | Engineering | RFT - Treasury Technology

• Global Treasury Technology Head managing multiple feature teams across Liquidity, Balance Sheet management, Treasury Data Hub and Risk in Business Banking on Java, Oracle, Hadoop, Spark, Scala with close collaboration with Business Change, Solution Engineering and Design Authority.
• Manage business deliveries across Liquidity Treasury reporting analytics & Liquidity reference data using Big data & Agile-at-scale (SAFe) with T+1 Intraday processing on Google Cloud Platform (GCP).
• Responsible for techno-functional management across Pune, Bucharest, London, NY and Frankfurt.
• Mitigated open regulatory audits by integrating Payments Data systems with Intraday Planixis Realitiusing Postgres/RabbitMQ & helped decommission legacy platforms by moving services over to Hadoop.
• DevOps pipeline integrated and streamlined the CI/CD process with accelerating the deployment time and enhancing test reliability across newly set up environments thereby expediting IFT/UAT execution.
• Successfully delivered Net Stable Funding Ratio (NSFR) reports, US Fed 5G/6G, Strategic Planning, EBA ALMM, Bail-in, Loans and Issuance regulatory reports using Oracle/Hadoop Dataset.
• Improved cycle time and TTM by increasing the overall speed of delivery from prioritised backlog to delivery and from first commit to production.
• Close collaboration with CCO to develop and reuse the data ingestion framework in Next-gen Lima.
• Up skilled Treasury workforce onto GCP with certification and AI/ML POC to develop Equity use case.
• Partnering with FinTechs (Adhara/Coinbase) to develop a Digital Crypto POC for internal BondsIssuance blockchain solution.

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Senior Vice President, Global Digital (Payments) Technology

J. P. MORGAN CHASE & Co.

• Engineering Director and Application Development Head for Consumer and Community BankingDigital Embedded Payments and Customer Engagement with complete delivery responsibility for Tokenization, Third Party Wallets and Chase Pay from India.
• Digital Tower Lead managing 140+ members for Embedded Payments, Mobile Frameworks (iOS and Android), API Gateways, Operational Data Store (ODS/Digital Accounts) & Gateway Profile Services.
• Managed tech teams of Java, iOS, Android, Apigee, AWS, Cloud Foundry, Google Collab & TensorFlow.
• Set up the CCB Mobile Payments Platform & Digital Payments Platform end-to-end delivery responsibilities of all the Third-Party Wallets (Apple Pay, Samsung Pay, Google Pay) & Chase Pay.
• Application Owner of 6 SEAL Id's from across platforms with Hands-on Technology Architecture design for Payments offerings using Microservices/Java full stack along with porting them on GAIA and AWS.
• As CDO for Digital, Lead Agile Transformation journey and matured DTLFT, Domain driven design &ATDD across 36 teams thereby realising a stable 93% VSC and story points/person to 8.38.
• Migrated Google Marketing Messaging, TMM APIs & DTRID to Cloud reducing onboarding time for new merchants from 3 months to 2 weeks – 68 new merchants onboarded using this platform.
• MDES Apple Pay Contract Compliance established with optimised DB by onboarding purge batches for 120/180 days for purging Apple Pay device info 90K+ transactions.
• Designed and implemented various web and mobile frameworks using component Architecture API and extended them for public-facing APIs like JPProtocols and JPPlatforms with swift/objc protocols.
• In-App push provisioning delivered for Google Pay & Samsung Pay enabling 1.2 million+ customers to enroll in Third Party Wallets from Chase Pay web and Chase mobile app.
• Adopted DevOps & Platform Resiliency by embedding CI/CD pipeline along with Jules onboarding and achieved 1-touch ARM to AIM deployments for whole of global Mobile Payments.
• Instrumental in designing Gateways services middleware to service CCB customers through controllers to retrieve customer accounts, login profiles and determine routes for transactions to backend systems.
• Platform Environment Stability achieved by collaborating b/w L2/L3 teams across 3 locations resulting in 25% ↓ in P1s & 30% ↓ in Customer Impacts. 50% Incidents recovered in 2 hrs. On-boarded 28 new merchants on Chase Pay including Amazon, LG Pay, Fitbit Pay & Garmin Pay.
• Card-on-File on-boarded with 57 merchants with Netflix & Visa checkout enabling customers to do secure transactions from merchant site. PayPal integration with Chase enabling 1.8 mil customers.
• Digital Receipts & Ultimate Rewards (Pay w/points, Order Ahead) on Chase Pay for 4.2 mil customers
• Solved End-to-End operational process automation by LISA/UDF automation script integration.
• Established Digital Mobile Frameworks for iOS/Android with cross-collaboration on Digital Accounts.
• Run Platform teams across products to maintain the servers’ hygiene by Infrastructure setup, server buildouts and remediation of infrastructure breaks, periodic scans and access uplifts.