Chief architect of Centralized Enterprise Fraud and Risk Management solutionfor UPI, IMPS, RuPay card, All Indian ATM transactions, AEPS(Aadhaarbiometric based payments), BBPS(bill payments) and NETC(payments at tolland parking plazas). End-to-end proven expertise in real-time-payment(RTP)design, implementation, continuous improvement with 10K+ TPS. 100% of theAI and BI based validations of all Indian Real-Time-Payments are implementedin this application, with latency as less as one second. I am solely responsible for scalability, high-availability, performance tuningof the system. My other responsibilities include analysing the businessrequirements, defining interfaces with external applications(ISO 8583, Rest-JSON/XML). I am also responsible for defining the technology platform,hardware capacity planning in co-ordination with Vendors. Creating thephysical and logical architecture, application framework development,application functionality development, coding, testing, customer handling.Technology Used: Java 1.8, Kafka, Elasticsearch, Redis, Springboot,PostGreSQL.

Architected, designed and developed the Unified Payment Interface(UPI),a high performance, distributed, Real Time Payments switch, facilitatingfinancial inclusion for common masses in India and abroad. Designed themobile security for payments, worked in the HSM interfaces and libraries forthe core payment switch as well as the banks, having complicated encryptionmechanism. Worked on the core switch, bank integration, as well as enablingbanks to connect to the central switch. Solved challenges in network latency,encryption key update and secure data handling for both data in rest andmotion.Has hands on experience with Finacle, FlexCube integration, mobile bankingintegration, banks reconciliation process. Has worked on Merchant on-boarding, processing merchant transactions through UPI and AEPS and MDR calculation.

Lead an offshore development team for the development, maintenance and re-engineering of the Dispute Management System for Visa Inc.Provided deployment layouts, solution architecture.Helped different customer teams, business owners for requirement analysis,Worked in design, construction, testing, mentored team of offshore developers.Did Knowledge Management, Metrics analysis and preventive measures. Owned the offshore product delivery for six years, gaining significant businessknowledge in electronic payment dispute life-cycle consisting of Chargeback,Request for Copy, Representment, pre-arbitration, Arbitration, Good-faith, Feecollection and fund disbursement, adjustment. Has hands-on exposure onhow a dispute management system interacts with settlement data and data-warehouse for authorised transactions.Consulting assignment with Visa Europe on re-engineering their Dispute Management Application.

Design and development of a virtual payment terminal and payment gatewayfor Nova Information Systems. Two Factor Authentication with Verified by Visaand MasterCard Secure Code.