Abhishek kumar — Product Manager

I build products that power safe, seamless payments for millions of users worldwide. With over 10 years of experience across FinTech and banking, including American Express, Goldman Sachs, and Pegasystems, I have developed deep expertise in payments, fraud, and dispute platforms, delivering solutions that connect technology, risk, and compliance in meaningful ways. At American Express, I lead product strategy and solution design for Cards and Payments. I am currently driving the transition of debit cards to single-message rail, improving transaction success and reducing settlement delays. I also manage the global fraud and dispute management platform, enabling customer and contact center workflows, and have developed a GenAI assistant that accelerates case investigations. My work involves close collaboration with Engineering, Risk, Finance, and Compliance teams to create tools and systems that improve operational visibility and decision-making. Over the years, I have built multiple 0→1 payments products, integrating ISO 8583 and ISO 20022 protocols, while ensuring compliance with Reg E, Reg Z, and network regulations. I focus on creating systems that make complex payments, fraud, and dispute processes reliable, transparent, and user-friendly. Key Highlights: 🔹Payments & Cards Expertise: Card Issuance, Authorization, Clearing & Settlement, ISO 8583 / ISO 20022, Payment Networks (Visa, Mastercard, AMEX), UPI, RTP, ACH, Digital Wallets 🔹Fraud & Compliance: Fraud Detection & Prevention, Dispute Management, AML/KYC, Reg E, Reg Z, Data Privacy 🔹Product & Technical Leadership: Product Strategy, Roadmapping, API Design, Data-Driven Decisions, Stakeholder Management 🔹Development & Integration: Java, Spring Boot, Python, Pega, SQL/NoSQL, Kafka, REST APIs, Microservices, BigQuery, Databricks, AWS, AI/ML & GenAI I am passionate about building payments infrastructure that is secure, efficient, and customer-focused. I enjoy exploring new technologies and creating solutions that transform how people experience financial services.

Stackforce AI infers this person is a Fintech expert specializing in payments and fraud management.

Location: Gurugram, Haryana, India

Experience: 10 yrs 8 mos

Skills

Product Strategy
Fraud & Dispute Management
Product Development

Career Highlights

Over 10 years of FinTech experience.
Led product strategy at American Express.
Expert in fraud detection and dispute management.

Work Experience

American Express

Senior Manager - Product Management | Solutions Architect (1 yr 6 mos)

Goldman Sachs

Vice President | Technical Product Manager (1 yr 9 mos)

Technology Associate (2 yrs)

Technology Analyst (1 yr 7 mos)

Pegasystems

Solutions Engineer (1 yr 9 mos)

Associate Solutions Engineer (2 yrs)

Education

Master of Technology - MTech at IIIT Hyderabad

Bachelor of Engineering - BE at Dayanada Sagar College of Engineering

Abhishek kumar

Product Manager

Gurugram, Haryana, India10 yrs 8 mos experience

AI EnabledHighly Stable

Key Highlights

Over 10 years of FinTech experience.
Led product strategy at American Express.
Expert in fraud detection and dispute management.

Stackforce AI infers this person is a Fintech expert specializing in payments and fraud management.

Contact

Skills

Core Skills

Product StrategyFraud & Dispute ManagementProduct Development

Other Skills

ACHAI/NLPAPI DesignAPI ManagementAgile DevelopmentArtificial Intelligence (AI)BigQueryBpmBusiness ArchitectureBusiness RulesBusiness process flowsCCSACardsCards & Payments

About

Experience

American express

Senior Manager - Product Management | Solutions Architect

Sep 2024 – Present · 1 yr 6 mos · Gurugram, Haryana, India · Hybrid

As Senior Manager - Digital Product Solution at American Express, I am leading product strategy and solution design for Cards and Payments, focusing on debit and credit card systems, fraud and dispute management platforms, and GenAI-driven customer servicing tools, connecting technology, risk, compliance, and operations seamlessly.
Managing multi-stakeholder engagements across Engineering, Finance, Risk, Legal, Compliance, and UX teams to define product roadmaps, optimize payment rails, and enhance fraud detection and dispute resolution, ensuring high visibility and operational efficiency for AMEX systems globally.
Transitioned AMEX debit cards to single-message rail, improving transaction success by 15% and reducing settlement latency by 40%.
Designed global fraud and dispute platform used by customers and contact center agents, integrating ledger, network, and payment processor systems.
Built a GenAI assistant for case summarization, reducing investigation time and improving agent productivity.
Created BigQuery-based data pipelines to centralize transaction and dispute data, improving real-time analytics for decision-makers.
Enhanced visibility of fraud patterns via dashboards, enabling faster resolution and reduced operational friction.
Cards & Payments, Fraud & Dispute Management, ISO 8583, ISO 20022, GenAI Integration, Data Pipelines, BigQuery, API Design

Cards & PaymentsFraud & Dispute ManagementISO 8583ISO 20022GenAI IntegrationData Pipelines+3

Goldman sachs

3 roles

Vice President | Technical Product Manager

Promoted

Dec 2022 – Sep 2024 · 1 yr 9 mos

Led product and technical design for Cards and ACH dispute management across multiple lines of business, focusing on fraud prevention, regulatory compliance, and network integration with Mastercard and VISA systems.
Directed dispute lifecycle flows and compliance adaptations, ensuring accurate transaction handling, improved reporting, and effective customer servicing while optimizing reconciliation processes and maintaining alignment with Reg E and Reg Z requirements.
Designed global fraud and dispute platform for partnered brands including Apple and GM, processing millions of cases monthly.
Integrated dispute systems with VISA, Mastercard, and internal servicing workflows to improve resolution efficiency.
Established reconciliation system between dispute application and data warehouse, improving reporting accuracy by 20%.
Enhanced ACH transaction dispute lifecycle, reducing investigation time and operational friction.
Supported Mastercard compliance changes and network regulatory updates to ensure seamless adoption.
Fraud & Dispute Management, Cards & Payments, ISO 8583 / ISO 20022, ACH, Reg E, Reg Z, API Design, Data Integration

Fraud & Dispute ManagementCards & PaymentsISO 8583ISO 20022ACHReg E+4

Technology Associate

Promoted

Dec 2020 – Dec 2022 · 2 yrs

Majorly working on Smart Disputes application.
Good experience in Mastercom compliance changes and APIs.Also worked on Collections application built on Pega.
Hands on SQL writing experience to fetch data from datawarehouse.
Worked on SAML SSO,BIX,Integration components of Pega.

Smart Disputes applicationMastercom complianceSQLSAML SSOPegaFraud & Dispute Management

Technology Analyst

May 2019 – Dec 2020 · 1 yr 7 mos

Pegasystems

2 roles

Solutions Engineer

Promoted

Jul 2017 – Apr 2019 · 1 yr 9 mos

Designed and enhanced Pega BPM applications, including business process flows, workflows, and rule-based automation, while leveraging DSM, AI, and NLP capabilities to improve customer experience and internal process efficiency.
Developed and optimized workflow and activity methods for complex Pega applications.
Configured agents, data tables, and database tables to support operational requirements.
Utilized Clipboard, Tracer, and SMA tools for debugging and performance monitoring.
Integrated DSM AI/NLP features in portals to analyze customer mood and improve service interactions.
Applied SDLC principles with Agile/Sprint methodology to deliver reliable Pega solutions.
Pega PRPC, BPM, Business Process Flows, AI/NLP, DSM, Workflow Automation, Debugging Tools

Pega BPM applicationsBusiness process flowsAI/NLPWorkflow AutomationProduct Development