Nov 2020 – Aug 2025 · 4 yrs 9 mos · London, England, United Kingdom

• Providing payments using Open Banking technology to create rich user experiences at low costs, to bring down the cost of making an end to end payment, while moving to a greener world.

Feb 2019 – Present · 7 yrs 4 mos · City of London, England, United Kingdom

• Consultant |
• Driving the next generation of standards in the Banking industry through domain driven componentization and API specifications to create a road map for the future and engage with member banks towards implementation of global cross functional API standards, using micro services transformation, and ISO20022 compatibility
• Driving the creation of a Banking Innovation marketplace as part of the BIAN portal, with standard REST and async APIs, sample Business Scenarios, and implementation specific Bank,FinTech and Vendor APIs.
• Using OpenAI (engine behind Chat GPT) models finetuned with BIAN data for Chat, Certification and Code generation as part of a BIAN starter App.
• Facilitating Business scenario / Wireframe definition form data and editing through the BIAN Portal, as part of the Bank Relations, Wealth Management, Lending and Cards and other working groups
• Standard REST and async API generation for the upcoming BIAN 12 release
• Using Azure and Kubernetes for hosing and managing services written using NodeJS, REACT, MongoDB and .NET

Oct 2018 – Present · 7 yrs 8 mos · Derby, United Kingdom

• Providing thought leadership in Open Banking and Digital Banking Transformation.
• Key areas:
• Generative Artificial Intelligence (AI), particularly finetune of Open AI (on which Chat GPT is based) models on organisation specific data. Bard AI from Google.
• Cloud based application deployment especially of Azure including App Services, Azure Kubernetes Services, and MongoDB cloud.
• Open Banking, PSD2 (OBIE, Berlin Group, STET), ISO20022, CDR Australia - Central Bank Infrastructure, Banks, and FinTechs
• API Banking
• Payments
• Digital Internet and Mobile Banking
• Enterprise Architecture
• Programme Management

Oct 2018 – Dec 2020 · 2 yrs 2 mos · London, United Kingdom

• Consultant |
• Led Open Banking Architecture and Product Development – enhancing Virtusa’s public cloud based Open Innovation Platform (OIP) and API Exchange (APIX), for Banks to build core Open Banking functionality for regulatory compliance, for PSD2 in the UK and CDR in Australia, as well as providing a springboard for enabling them to compete leveraging on Data insights using AI and innovative FinTechs, Advised multiple central banks on Open Banking, Real time payments and Request to Pay initiatives in collaboration with the World Bank Group.
• .
• Open Banking Capabilities, Data Protection, FinTech Assurance Criteria and Financial Institution (Bank) Digital maturity assessment, Monetisation for the ASEAN Financial Innovation Network, AFIN’s API exchange platform (APIX)
• Product Development including Design, Specification and Pricing of a new product for Banks in Australia to become complaint with the Consumer Data Right (CDR) regulation (Open Banking Australia)
• Analysis of regulatory Open Banking developments across the world including Canada, Mexico and Brazil to identify new sales opportunities.
• Worked with the Central Bank of a country to help define their road map for Open Banking based on key drivers such as consumer data protection and generation of economic opportunities
• Worked with the World Bank Group to create recommendations for implementation of Real Time Payments Infrastructure and Request to Pay for a country
• High level Mapping of current systems landscape to BIAN landscape functional service domains – Cards, Customer Relationship Management for Citi Consumer Banking
• PSD2 Open Banking Regulatory Architecture definition with key products including ForgeRock and Keycloak for Identity and Access Management (IAM), and Priviti for Consent Management, for a Kubernetes based PSD2 Sandbox for European Banks, taking into account customer journeys, ISO20022
• Regulatory PSD2 Open Banking consultancy for Citi Private Banking, ENBD Bank

Apr 2017 – Oct 2018 · 1 yr 6 mos

• Direct report to CIO.
• Digital Programme and IT Strategy – led and steered the Digital Transformation programme and supported the CIO in defining and executing the bank’s IT strategy; represented IT in various other project Steering Committees
• Support – ensured the smooth running of all IT systems across 70 applications, prioritising support activities as necessary, running crisis management meetings in case of Major Incidents
• Project kick off – budget, functional and technical architecture, high level plan, resource allocation and execution capacity allocation for all new projects
• Resource management – Using a resource planner to manage full utilisation of all ITEC resources across multiple project and support streams, active contributor to the Target Operating Model (TOM) introducing efficiency and cost savings
• Month end reporting – consolidated IT spend reporting across all projects and support functions including labour, consultancy and software
• Supplier / vendor management - all vendor and extra entity products
• Achievements
• new internet / mobile banking platform (https://ebanking.kleinworthambros.com) – web, tablets and mobiles
• New Faster Payments (FPS) product offering across online, mobile, phone and email channels for the bank
• Full GDPR compliance across all 25 systems – used in-house software
• API driven digital transformation – cash and securities holdings and client data, payments processing, bank documents including statements, advices and portfolio valuations as micro services – automated payments processing across all channels – dramatically reducing Front Office and Operations workload
• Open Banking and PSD2 architecture and PoC – used Assets and ISO20022 web-based REST APIs – JSON, Finance grade OpenID FAPI and OAuth 2.0, electronic fraud monitoring
• Feature teams to introduce matrix management to Business Analysts and Developers – empowered them to increase effectiveness – supported the bank wide Agile at Scale transformation

Apr 2013 – Mar 2017 · 3 yrs 11 mos

• eBanking – as the Scrum Master managed 20 Business Analysts, Developers, Testers and Infrastructure specialists across London, Jersey, Paris and Switzerland, in an Agile environment from project kick-off to delivery; created the delivery plan identifying constraints (time, budget, resources), used sprints to deliver themes and features, maintained the product backlog, and retrospectives for lessons learnt.
• Stakeholders – identified from Commercial, Middle Office, Back Office, Operational Risk, Compliance and INFOSEC
• Budget and spend management – granular low level estimates to agree budget and track spend including labour, consultancy and software spend, reported in monthly SteerCo with senior stakeholders from the business
• Governance – defined team structure and the project RACI matrix
• Project Plan – Gantt chart used to track progress reported in bi-weekly OpCo with the project team
• Tasks and Actions – managed in T and A List
• Risks and Issues – monitored in RAID log
• Change Management – managing change requests with respect to budget and timeline
• Release Management – delivery using short sprints, System Integration Testing, User Acceptance Testing and stakeholder sign-off, live deployment
• Achievements
• E2E online banking solution – desktop, tablets and mobile (view only) accessibility
• New online offering for clients, providing up to date Portfolio positions and performance 24/7
• Processes / workflows automation –
• o online domestic BACS, CHAPS and international SWIFT and SEPA payments – ISO20022 API
• o generation and printing of statements, advices, valuations and CGT document management
• electronic document management system (EDMS) upgrade – store statements at an account level
• Paperless bank documents – delivered online
• Business readiness – process documentation, training, help videos, client communication, Terms of Business update

Apr 2010 – Mar 2013 · 2 yrs 11 mos

• E2E technical project management, solution design and development leading a small team of integration developers.
• Achievements
• Real-time Enterprise service bus across all services and processes:
• o Reuters Kondor Plus Treasury System – integration of Spot, Forward, FX Swaps, Loans and Deposits
• o Front Office system – incorporation of Client Static data
• o General Ledgers – incorporation of Finance data
• o FX rate updates
• Collected all financial data – integrated into the bank’s proprietary core reporting system, Matrix
• Intranet portal & internal document management

Oct 2008 – Mar 2010 · 1 yr 5 mos

• Deigned the integration architecture, led development to provide consultancy and manage stakeholders for a wide range of clients to implement integration components between their various systems (mostly PO Management Proactis and Microsoft GP) using Middleware solutions.
• Clients: SG Kleinwort Hambros Bank Limited, University of Bristol, Equity Insurance Group, Community Integrated Care, South Central Ambulance Service, Vaultex UK Ltd, Dollar Financial Group Global Corporation, Sport England.

Oct 2007 – Sep 2008 · 11 mos

• As the Solutions Architect, led the architecture design of the Peer To Peer, workflow systems for Insurance Policies and Claims, for re-insurers Aspen Re., using Microsoft SharePoint Web Parts, K2.net workflows.

Feb 2005 – Sep 2007 · 2 yrs 7 mos

• Contributed to the technical architecture, design, development and maintenance of systems for managing Candidate details, marks, electronic scripts management and the Assets marketing Portal for Cambridge OCR, ESOL and CIE.

Jan 2004 – Oct 2004 · 9 mos · Munich Area, Germany

• Designed and developed a proof of concept (poc) Business Intelligence module using Data Mining for IBM WebSphere Everyplace Subscription Manager.