Praveen Kumar

working on consultant, Business analyst/Product owner/Scrum master/project manager/QA manager/Product manager/technical director on cards and payments landscape ( Retail/Commercial, capital markets, Digital/mobile banking and financial services). RTR crypto encryption, tokenization, Digital assets, ISO 8583, ISO20022, Visa, Mastercard, American express, Interac, payments canada, Lynx, Swift, Crossborder payments, Real time rails, Various other vendor product services fraud, AML, FIS, Volante, PMG, TSYS, Temenos, Gemalto, Venimo, Zelle, Agile, waterfall models.

• SPECIALISED IN SWITCH DOMAIN PAYMENT Authorization and Settlement Messaging (ISO8583, Hypercom specs), PREPAID CARD PRO SYSTEM, Positilion,ACI., IAM, SSO, OAuth
• Tokenization, Blockchain, Cryptocurrencies, PSD2, NFC, HCE, wallets, Contactless Payments, mPos, Mobile payments, modernized payment hub, RTP's, payment rails, BNPL, IoT, Analytics, AI & ML learning themes.
• B2B, B2C, P2P, PEER TO PEER, wholesale, retail, commercial and corporate env.
• Implementing in SWIFT, ISO20022, SEPA, TSYS(Prime), IST(FIS), OPF(FIS), CMS, PowerCard (HPS), Dovetail, NPA, regulations over regions on Neo/Open/Digital banking, CBDC, UPI. Understanding MasterCard, Visa Pre-Edit Packages for Clearing, Settlement for Base1 & Base 2 files and ACH file format like ACH094, EDI820,CPA005,Form 459-FSA, Form 8611-Preauthorized debit agreement, FORM 8603/6747, service enrollment Domestic & International CrossBorder payments, CHIPS, NACHA, RTGS, TARGET, FEDWire, EBA, Equens, cash management, Liquidity, Auto sweep, Virtual account management, ACH, Payables direct, Cash/Cheque processing, Bill payments, BACS, CHAPS,FED,TCH, Zelle,UK Faster payments.
•  MasterCard & Visa, Diners, AMEX, Chinaunionpay, DCC(FX Rate), Card Scheme certifications. EFTPOS and ATM driving Specialist with Providing Solutions on Mobile Recharge & WINCOR, DIEBOLD(DDC), NCR(NDC), TRITON Systems solutions, KIOSK Automated devices, IVR, API, Sql, Contact center support & Developments Roadmap,
•  CHIP (EMV) AND NONCHIP (MAGNETICSTRIPE) Based EMBOSSING & ISSUING, ACQUIRING SOL, Mobile wallet, Tokenization services.
•  PCI – DSS COMPLIANCE, AMEX, CUPS, CREDIT/DEBIT CARD ACQUIRING And ISSUING ECOMMERCE SOLUTIONS (3D secure, VBV, AVS)
• Payment Card Industry and Different PAYMENT SOLUTIONS Support, Chargeback, Representment, Arbitration, Reconciliation, Network Rejects, Merchant Management, ATM surcharging, NFC, Mobile & Online Digital Payment products
• Online/ Mobile (Banking & Payments), MerchantLink, FAC, BA, Car rentals.... Payment gateway.
• Risk strategies( Operational risk, Credit risk, Enterprise risk, legal, trade, regulatory, money laundering, people, Finance, compliance & People risk)
• Liquidity Risk reporting, FR2052a, Capital markets, Treasury services/Wealth management, Cards Risk management, Compliance Regulatory Requirements, Antifraud Management support solutions for Cards and Payments Domain.
• Reviewing E2E Testing results across projects with different teams involved in CARDS & PAYMENTS System with ENDUSER Such as UAT, STRESS TEST, UNIT TESTING, SYSTEM TESTING etc.…
• SYSTEM integration, Architecture framework ASIS/TO BE solutions, process mappings, Eliminate Silos on complex interface applications to business remodeling.
• New Market Entry, Marketing & Channel Strategies, End-Consumer Research and Analysis, Consumer Research Planning and Implementation, Developing Target Operating Models, OKR’s, KPI metrics, API UX Designs, VM & SAAS Cloud based Solutions.

Education

• BTECH, Electrical, Electronics and Communications Engineering, Jawaharlal Nehru Technological University, 2006