May 2023 – Present · 2 yrs 11 mos · On-site

• ♦️Managed governance, operations, investor relations, regulatory compliance, talent management, and branding at Fintract Global.
• ♦️Developed talent, partnerships, and capabilities to create a sustainable brand strategy.
• ♦️Led rebranding and mergers/acquisitions initiatives to drive business growth.
• ♦️Led to build modern end to end digital banking platforms

Jul 2021 – Present · 4 yrs 9 mos · On-site

• 🔴London & BAIN Capital ( A separate Legal Entity)a private equity, LP, family office and advisory firm provides specialised M&A execution, due diligence, microeconomics, geopolitical risk, regulatory strategy, and operational integration services to private equity investors and technology-enabled service businesses navigating complex transactions in regulated sectors.
• ♦️Led thesis-driven and expert intelligence investment strategies integrating Compre, Dorinco, TransRe, Shelter Reinsurance, Riverstone, First Reserve, Chesapeake Energy, TA Assoc., St Albans, Blackstone, KKR Apollo Global Management, The Carlyle Group, BlackRock, Ares Management, Brookfield Asset Management, Bain Capital, and Calvin Klein are portfolio companies.
• ♦️Created operational value through technology platform consolidation with front office, mod office, and and back-office synergy realisation.
• 🔴Strategy, Transformation & Product Innovation- Via Fintract Global
• ♦️Led transformation journey in developing next-gen digital banking platform with blockchain, AI, and microservices.
• ♦️Spearheaded strategy, product development, and innovation for FTSE100 clients in banking and financial services.
• ♦️Successfully launched new product offerings and transformed legacy business models for major clients. MUFG Bank EMEA, Prudential UK PLC, Union Bank MUFG, JP Morgan, SH Capital London, LBG, RBS Group, Hampden Banker, Nationwide Building Society, Blackrock, and NewYork Life Insurance.

Jul 2021 – Dec 2025 · 4 yrs 5 mos · London Area, United Kingdom · On-site

• ♦️GCIB - Strategy, M&A Integration, Enterprise Architecture, Change, Product, Transformation Program Director ( Group COO)
• ♦️Led strategic deal tracker program for commercial lending, debt financing, and wealth management, increasing STP by 70%.
• ♦️Implemented PSD2 and ISO20022 initiatives, boosting NPS by 55 points and reducing OPEX by 40%.
• ♦️Directed blockchain-based E2E program for commodity trading, increasing NPS by 60 points and CSAT by 34%.

Apr 2020 – Jul 2021 · 1 yr 3 mos · Canary Wharf, London, England, United Kingdom · On-site

• ♦️Change & Transformation Program Director - COO, Strategy, Operation, Audit, PMO, Architecture, TOM, BRD
• ♦️Led change and transformation programs for major clients including CMA9 Bank Audit briefing and RBS Group, focusing on Open Banking, PSD2, and Cloud security.
• ♦️Developed Vision and Strategy, BRD, TOM, and BOM, enhancing operational readiness and audit preparation for LBG OpenBanking.
• ♦️Created and refreshed Audit Reports, Capability Model, and Process Flows, ensuring compliance with AML 5.0 and PCI-DSS regulations.

Apr 2020 – Jul 2021 · 1 yr 3 mos · Edinburgh, Scotland, United Kingdom · Hybrid

• 🔴Change, Product, Strategy, Audit and Transformation Program Director (Group COO)
• ♦️Directed strategic transformation initiatives in trading, risk frameworks, and process mappings, resulting in a 95% retention rate and 33% cost optimization.
• ♦️Delivered BI and MI solutions for regulatory reporting in Basel III, IFRS9, EMIR, Dodd-Frank Act, SEPA, FTT, and FBAR.
• ♦️Led the simplification program in core banking, eliminating 80+ EUCs, reducing OPEX by 60%, and achieving 97% customer retention.

Jan 2019 – Apr 2020 · 1 yr 3 mos · Canary Wharf, London, England, United Kingdom · Hybrid

• 🔴Focused on the consulting engagement in the change & transformation COO- Strategy, PMO, Architecture, TOM, BOM, process mapping, MVP, M&A (Pre-M&A, Integration, deal, Separation and Integration) and BRD.
• ♦️Directed and executed vision and strategy, BRD, planning, and roadmap at McKinsey & Company.
• ♦️Led TOM, BOM, capability model, process flow, architecture, test strategy, and M&A integration.
• ♦️Responsible for CxO engagement at Principal, partner, and senior Partner levels.

Jan 2018 – Dec 2023 · 5 yrs 11 mos · Canary Wharf, London, England, United Kingdom · On-site

• ♦️Partner: Transformation, Program Director, EA- COO- Strategy, PMO, Product ( CPO), Architecture, TOM
• ♦️Developed and refreshed Vision and Strategy, BRD, Planning and Roadmap, TOM, BOM, and Capability Model for major clients like MUFG Securities and RBS Group.
• ♦️Created the process Flow (AS-IS, To-BE) and Architecture (AO, AD, ADD, HLD) to enhance operational efficiency and drive business growth.
• ♦️Led CIO advisory services, Supplier Management, and Emerging Technologies implementation to optimize performance and drive innovation.

Oct 2017 – Jan 2019 · 1 yr 3 mos · Canary Wharf, London, England, United Kingdom · On-site

• 🔴Domain Areas : Change & Transformation, COO, Strategy, PMO, Architecture, TOM, M&A, BRD
• ♦️Led strategic finance and transformation initiatives at the leadership team level, driving business operating model enhancements and fund management optimization.
• ♦️Directed the planning and execution of TOM, BOM, and capability model development, streamlining processes and enhancing operational efficiency.
• ♦️Spearheaded M&A activities, overseeing due diligence, pre-merger integration, and post-merger alignment for successful acquisitions.

Oct 2017 – Jan 2019 · 1 yr 3 mos · Swindon, England, United Kingdom · On-site

• ♦️Led strategic initiatives in payment transformation resulting in 100% retention rate for strategic accounts and 28% sales increase.
• ♦️Implemented STP resulting in 60% decrease in keying-rekeying, 40% NPS improvement, and 24% reduction in headcount and expenses.
• ♦️Oversaw successful journey of regulatory changes like PSD2 and Open Banking, producing internal audits with KPMG and PwC.

Jan 2017 – Oct 2017 · 9 mos · Newcastle Upon Tyne, England, United Kingdom · On-site

• ♦️Led successful post-M&A integration with Northern Rock, delivering a single view of finance, IT, and HR systems, resulting in a 92% retention rate for strategic accounts.
• ♦️Introduced agile, lean, and scrum methodologies for Payment, CLM, Open Banking, and regulatory compliance, curating strategy and roadmap for BI, MI, and digital solutions.
• ♦️Directed the migration of the existing Fujitsu core banking platform to SAP FICO, SAP S/4 HANA, and SAP ARIBA, presenting in StreerCo, ExCO, and arranging CxO workshops.
• ♦️Led the digital Mortgage and Trade Finance Transformation and ERP - Enterprise TOM - Source to Pay and Order to Cash, saving £15 million in TCO, achieving 34% cost optimization, and increasing NPS by 55 points by moving mission-critical business applications to the cloud (Azure, AWS) using DevOps (TFS) and Agile.
• ♦️Directed migration of Fujitsu core banking platform to SAP FICO, SAP S/4 HANA, and SAP ARIBA, digitalizing andautomatingTreasury solutions, and designing BI and MI solutions for FRS 19, EMIR/Dodd-Frank, SEPA, and FTT.
• ♦️Created product strategy, pricing model, TOM, BRD, blueprint, process flow, RAID, MVP, and roadmap architecture, successfully integrating with Northern Rock and executing a single view of finance, IT, and HR systems.

Feb 2015 – Dec 2015 · 10 mos · London Area, United Kingdom · On-site

• ♦️Led a 60-person team in the end-to-end commercial lending transformation journey ( DAWN, BIL), increasing loan book size by £20B and reducing operational costs by 28%. Coverage includes Project finance, leverage finance, commercial lending, SME lending, wholesale lending, trade finance and treasury.
• ♦️Oversaw work streams including Global Payment, Underwriting, KYC, credit risk, and underwriting, resulting in a CAST rating up 45%.
• ♦️Executed RFP/RFI for £50m ARR by 32%, enhancing NPS by 50 points and reducing customer complaints.
• ♦️I was brought in by C-suite leadership to conduct a front-to-back post-MiFID II ( Trading, Lending), EMIR (Derivatives) strategic and operational review whilst building a team of 35 to provide governance and oversight for multi-jurisdictional regulatory and compliance programmes.
• ♦️Delivered a stream-lined cost reduction operating model to reduce overheads ( up to 37%) and maximise resource efficiencies ( 45% up), only utilising costly advisory services when critically needed.
• ♦️Senior leader for Barclays Global Payment, Treasury and Finance Shared Service Centre (500+ FTE) and also managed work performed by offshore Finance team in India (90 FTE), Operations and Strategy team ( 75 FTE)
• ♦️Head of the Finance (CFO) teams with Shared Service Centre (400 staff) covering SAP AR, AP, Payroll, Carve out , Treasury management, Data Structures, Regulatory/VAT/Statutory/Management Reporting, Financial Control, Reconciliations provided to all customers within the Barclays Group.

Jul 2014 – Feb 2015 · 7 mos · London Area, United Kingdom · On-site

• ♦️Led a 30-person team in the transformation of global corporate payments, resulting in a 30% revenue increase and 70% NPS improvement.
• ♦️Spearheaded the digitalization of consumer lending program, executing RFP/RFI (~35m) and acquiring 10,000 new corporate card accounts in six months.

Mar 2014 – Oct 2017 · 3 yrs 7 mos · Canary Wharf, London, England, United Kingdom · On-site

• ♦️Directed vision and strategy for major banking, insurance, and public sector companies in the banking and financial services industry.
• ♦️Curated process flows, architecture, and test strategies for digital transformation activities to enhance operational efficiency.
• ♦️Led to win £50m - £100m strategic deals ( LBG, FCA, Barclays, Virgin Money, HSBC, Credit Suisse, BNPP and UBS etc)
• ♦️Led M&A due diligence and integration for renowned clients like Virgin Money, LGIM, FCA, BarclaysCard, Newdays, ING, Cspitalone, BNPP, BNYM, Lloyds Banking Group, and Barclays.

Mar 2014 – Dec 2016 · 2 yrs 9 mos · London Area, United Kingdom · On-site

• 🔴Overseeing the strategy of bank's broader "Platform 1.0 and 2.0" digital strategy
• ♦️GSR (Payment 2020 Strategy, Commercial Lending, Agency Banking, H2H, Mortgage Transformation, , PSD2, Open Banking)
• ♦️Led strategy, innovation, and transformation initiatives at Lloyds Banking Group, simplifying platforms and improving NPS.
• ♦️Directed teams to deliver e2e Trade Finance solutions, increasing STP by 70%.
• ♦️Introduced agile methodologies, reducing OPEX by 35% and increasing ARR by 39%.
• ♦️Directed BA, SA & Engineering team to deliver e2e Trade Finance solutions covering letters of credit, parent company guarantees, and documentary collections, leveraging payments (Swift), treasury, credit risk, supply chain, and ALM, increasing STP by 70%.
• ♦️Introduced agile (SAFe), lean, and scrum methodologies across international payments, retail banking, and wealth management, eliminating 400+ EUC, reducing OPEX by 35%, and increasing ARR by 39%.
• ♦️Directed commercial lending transformation, CHAPS, and CREST regulatory programs, managing a £50 million GSR program, resulting in zero CR requests, a 45-point NPS uplift, and a 25% cost reduction.
• 🔴Transformational Leadership in Banking and Private Equity
• ♦️After the 2008 financial crisis, I oversaw Lloyds Development Capital's (LDC) extensive restructuring, which repositioned the UK's most active mid-market private equity arm to improve its investing capabilities and strategic mission. coordinated the convergence of strategic debt finance, portfolio construction, and deal origination to establish a single growth platform that supports British companies (delivered exceptional returns 30-55% IRR); £100m to £600m deals on some of the recent exit.
• Project Verde: I oversaw the Strategy, plan and successfully completed TSB's divestiture to Banco Sabadell, meeting state assistance standards of the European Commission and generating £1.5 billion in proceeds—nearly twice as much as anticipated.

Oct 2013 – Mar 2014 · 5 mos · Preston, England, United Kingdom · On-site

• ♦️Directed multiple workstreams including payment, ERP, CAS, fraud management, and more for an £80 million transformation program.
• ♦️Completed phase 1 of the transformation in six months with a 36% increase in ARR and a 32% reduction in fraud claims.

Jan 2013 – Mar 2014 · 1 yr 2 mos · Canary Wharf, London, England, United Kingdom · On-site

• ♦️Directed and orchestrated large finance, Digital, and business transformation programs at Bain & Company.
• ♦️Curated vision and strategy, planning, capability model, and process flow for successful program execution.
• ♦️Led Enterprise Architecture, M&A due diligence, pre-merger, and post-merger integration efforts to drive organizational change.

Jan 2013 – Oct 2013 · 9 mos · Norwich, England, United Kingdom · On-site

• ♦️Enterprise TOM: I led from the pre-planning to implementation in business and digital transformation initiatives for UK (UKI, UKG, UKH, UKSI) specialities, construction, finance, retail, health, pension, and investment sectors, including finance, pricing, treasury, and business operations.
• ♦️Reinsurance, Speciality: (Pricing, Exposure). Scoped, planned, and managed 60+ resources in a £30 million transformation program. In the first 6 months, the ARR is 36% up, and the fraud claim is down by 32%.
• ♦️Delivered planning, scope, BRD, design, TOM, RAID
• logs, budget, forecasting, and operational processes.
• ♦️Reinsurance Broker, Underwriting, PAS (Policy Administration Services): Introduced agile for the customer onboarding roadmap to support the executive vision with 3 workstreams and 25 activities to reduce customer launch cycle time by 60% and achieve a revenue uplift of £300m.
• ♦️Procurement, Finance, and Treasury Transformation (GL, F&O, AR/AP, Risk, Reporting): The strategy's effective execution of straight-through processing resulted in an 8% gain in new customers, a +40% boost in NPS, and a 30% decrease in cost in compliant handling.
• ♦️Platform: SAP FICO, Oracle Cash VIPR, Delegated Authority. Actimize, ServiceNow, Guidewire (Insurance suite, policy centre), MGA, Retail Insurance, Mortgage Broker, Claim Management (SAP ARIBA), PEGA, Experian, Jira

Jan 2012 – Dec 2012 · 11 mos · London Area, United Kingdom · On-site

• 🔴Program : Payment, PSP, Mobile App, skrill Wallet, ERP and Core banking
• ♦️Core Banking & Digital Payment, CLM (AML/KYC/CDD) - Global Transformation TOMI oversaw the effort to refresh the overall proposition. Successfully delivered the strategy and capability model required to process a high-volume payment for betting and gaming.
• ♦️Introduced agile, lean, and scrum, which resulted in a due diligence cycle where customer onboarding slashed by 42 days and straight-through processing up by 65%; the CSAT rating is up by 30%. oversaw the RFI/RFP (>£55 m)
• ♦️Finance, Cash and Treasury Core Banking, M&A, Wealth Management Transformation: (Deposit, Current Account, Payment, Lending) delivered TOM, E2E process flow, business case, RAID logs, KPI, business architecture strategy, and roadmap.
• ♦️The effective execution of the plan increased new customers by 8%, boosted NPS by +40 points, and slashed complaints by 30%. & TCO cost reduced by 25%, while 70K additional touchpoints were added. ARR is 37% up.
• ♦️Platform: Vocalink, Bottomline, RSA Archer GRC, KYC/AML, Tokenisation, Salesforce, Push Notification, MongoDB, APIgee API Gateway, Fraud Management (Actimize/Accredit), MongoDB, FIS, Oracle Fusion, Oracle Cloud, Oracle Cash and Treasury Management, Flexcube, SAP S/4 HANA, BTP, CPI, PI/PO, SAP ECC, AWS Cloud; Jira, Workday, Confluence.

Sep 2011 – Jan 2013 · 1 yr 4 mos · On-site

• ♦️Led strategic transformation in digital, cloud, and AI businesses at Google, advising key clients like Skrill/Paysafe Fintech and DWP universal credit.
• ♦️Advocated for the use of Google IP products and platforms to drive commercial profitability for clients like Aviva, Nationwide Building Society, Skrill/Paysafe Fintech, DWP universal credit, JPMC, Waitrose, Vodafone NewCO and JPMC.

Sep 2010 – Sep 2011 · 1 yr · On-site

• 🔴In the customer success department of Google, I oversaw the digital, cloud, and AI businesses. Advocated strategic clients advice on how to use Google IP—including its products, platforms, mergers, and acquisitions—to become commercially profitable. The products, intended Google API Gateway, Cloud, Analytics, and AI, among others.
• ♦️Delivery: Directed, executed, and curated the vision and strategy, BRD, planning and roadmap, TOM, BOM, capability model, process flow (AS-IS, To-BE), architecture (blueprint, AO, AD, ADD, HLD), test strategy, operational readiness, M&A—due diligence, pre-merger, and post-merger integration.
• ♦️I played a diverse range of roles and portfolios as a programme director, Chief architect, COO, product director, and product owner for significant business, financial, and digital transformation activities for major banking, insurance, FMCG, oil and gas, and public sector companies.
• ♦️Participate in the evaluation of the operating model's potential effects and deliver the ideal target operating model during the phases of planning, design, and implementation.
• ♦️Delivered the BRD, process model, architecture, and operational processes for delivery programme roadmaps!
• ♦️I support CxO workshops, strategic vision, bid management, partnerships, and the role-out of the RFP or RFI for major transportation programmes up to £150 million.
• ♦️significantly contributed to bringing STP straight through processing, resulting in an uplifting of the net promoter score by 50–90 points, reducing the TCO (total cost of operations) by 40–60%, and slashing keying and rekeying by 80–90% providing adequate business continuity and safeguarding all aspects of financial stability.
• 🔴Major clients
• ♦️San Francisco Bay Area:
• WorldBank, AT&T Payment, Skrill/Paysafe, GM Finance, Weather Channel; eBay, Nike, MTV, Blockbuster, FT, PayPal

Sep 2010 – Sep 2011 · 1 yr · Seattle, Washington, United States · On-site

• ♦️Led to direct the integration strategy with the collaboration of Google and the larger financial community by leveraging GCP, Google API Gateway, Google Analytics, MongoDB, and various third-party vendors in a highly secure, complex, and regulated environment.
• 🔴Treasury, Trading (FX), and Finance Transformation leveraged an agile, lean-to-directed customer onboarding roadmap to support the executive vision with 3 workstreams and 25 activities to reduce customer launch cycle time by 60% and achieve a revenue uplift of £17m.
• 🔴Lending, Payment, Core Banking, Dynamic Trade Finance, Wealth Management, M&A TOM - I was the driving force behind several amazing transformation initiatives in the UK, including commercial and wholesale lending, term loans, portfolio management, treasury, credit risk, pricing, underwriting, CLM (AML/KYC/CDD), and collateral management.
• ♦️Directed a portfolio of 60+ resources for a £30 million transformation program and completed it in 10 months. ARR is 36% up, and the fraud claim is reduced by 32%.
• ♦️Tools leveraged: Confluence, Jira, Agile 8% gain in new customers, a +40% boost in NPS, and a 30% decrease in cost in compliant handling· Delivery and Execution: presented TOM, BRD, blueprint, process mapping, RAID, KPI, architecture strategy, and roadmap.
• · Platform: Calypso, Vocalink, Bottomline, SAP S4 HANA, BTP, CPI, Workday, Treasury, LoanIQ, Salesforce, MuleSoft, Oracle MDMLed to direct the integration strategy with the collaboration of Google and the larger financial community by leveraging GCP, Google API Gateway, Google Analytics, MongoDB, and various third-party vendors in a highly secure, complex, and regulated environment.

Aug 2007 – Sep 2010 · 3 yrs 1 mo · Greater Stockholm Metropolitan Area · On-site

• 🔴Delivery: Created and refreshed Vision and Strategy, BRD, Planning and Roadmap, TOM, BOM, Capability Model, Process Flow ( AS-IS , To-BE) ,Architecture ( AO, AD. ADD, HLD),SOPs, Test Strategy, Operational Readiness, M&A - Due Diligence, Pre Merger and Post Merger Integration
• ♦️In the customer business consulting and AIS- Application innovation department of IBM, I oversaw the digital, cloud, and AI businesses. The main goal is to give strategic clients advice on how to use IBM IP—including its products, platforms, mergers, and acquisitions—to become commercially profitable. There are numerous products, such as IBM bluemix, , FTM, Tivoli Identity and Access Management, Maximo, ISS, WebSphere, IBM Cloud, DB2, Analytics, and AI, among others.
• ♦️I played a diverse range of roles and portfolios as a programme director, Chief architect, COO, product director, and product owner for significant business, financial, and digital transformation activities for major banking, insurance, FMCG, oil and gas, and public sector companies.
• ♦️Participate in the evaluation of the operating model's potential effects and deliver the ideal target operating model during the phases of planning, design, and implementation.
• ♦️Delivered the BRD, process model, architecture, and operational processes for delivery programme roadmaps!
• ♦️I support CxO workshops, strategic vision, bid management, partnerships, and the role-out of the RFP or RFI for major transportation programmes up to £150 million.
• ♦️significantly contributed to bringing STP straight through processing, resulting in an uplifting of the net promoter score by 50–90 points, reducing the TCO (total cost of operations) by 40–60%, and slashing keying and rekeying by 80–90% providing adequate business continuity and safeguarding all aspects of financial stability.
• 🔴Major clients
• SEB Bank, Danske Bank, Citi Bank, AMEX, and UBS

Aug 2007 – Sep 2010 · 3 yrs 1 mo · Stockholm, Stockholm County, Sweden · On-site

• 🔴Global banking, Transaction Banking, Private Banking Payment, Retail Investment, TOM
• ♦️I headed a large offshore and onshore team (60+) and successfully executed numerous transformation program in asset management and wealth management, retail banking, commercial banking, and wholesale banking. secured execution roadmap in the working group and Change Management Board.
• 🔴Trading (FX, Trade, CLM) Finance, Cash and Treasury Core Banking Transformation: (Deposit, Current Account, Payment, Lending) With STP, I have contributed to a 60-point boost in NPS, a 34% drop in software licensing costs, and the removal of over 300 EUC.
• 🔴Wealth Management, M&A: Oversaw the RFI/RFP and vendor selection score carding processes. (>125m). Executed the RFP (~35m)
• ♦️Presented TOM, BRD, MVP, User Stories/Epics, Blueprints, and (AO, AD, E2E design) to the ARB, and SteerCo.
• ♦️Platform: IBM Tivoli, PEGA, NetSuite, IBM Cloud, GRC and IAM & D365,HCM, SAP ECC, , Oracle flexcube, Actimize

Jan 2006 – Jul 2007 · 1 yr 6 mos · Pittsfield, Massachusetts, United States · Hybrid

• Identity management-RSA Security; Cyber Security; PKI; Portfolio Management

Mar 2004 – Dec 2006 · 2 yrs 9 mos · Greater London, England, United Kingdom · Hybrid

• Strategy; Security Architecture, Governance; TOM; BRD; Programme Roadmap; Engineering Lead; Presales & Demo.

Mar 2002 – Mar 2004 · 2 yrs · Germany · Hybrid

• SISL Product research for the digital security and biometric solutions
• Products: SISLER, SECURA, PKI SERVER, Integrating with SAP, D365 and Oracle ERM, CRM and web portal.
• Major Clients : UK Defence, US Navy, US Airforce,DRDO, RBI, SBI, Larsen & Toubro, Scotland Yard