ARUN KUMAR

Spearheaded automation and modernization of critical payment platforms, leveraging ETRAN (Electronic Transaction System) for money monitoring and PME (Payment Management Engine) for money movement.

• PME Automation
  – Reduced manual exceptions by 40% and operational costs by 35% through intelligent automation workflows, exception pattern analytics, and self-healing mechanisms.
  – Improved payment throughput by 25% and payment success rates via real-time ETRAN monitoring and predictive failure prevention.
• Legacy to PCF Migration
  – Migrated on-premise payment applications to Pivotal Cloud Foundry, achieving 40% performance uplift, 30% cost reduction, and zero-downtime cut-over.
  – Automated deployment pipelines and enhanced disaster recovery in cloud environment.
• OpenShift Containerization
  – Containerized four monolithic payment apps on Red Hat OpenShift, boosting scalability by 50%, reducing deployment times by 80%, and cutting infrastructure costs by 25%.
  – Established CI/CD pipelines, monitoring, and security hardening for money-movement microservices.
• KTLO & Feature Enhancements
  – Maintained 99.9% uptime for ETRAN and PME, delivering 15+ feature releases, security updates, and compliance enhancements with 30% faster response times.

Zelle RTP Integration

Transitioned core banking systems from batch ACH to real-time payments using Zelle network.
Enabled instant fund transfers, improved customer experience, and ensured regulatory compliance.
Coordinated cross-functional teams across architecture, development, and compliance domains.
OD Recovery Automation
Automated overdraft account transitions to recovery systems, streamlining operations and reducing manual effort.
Improved data accuracy and compliance while freeing up resources for high-value recovery activities.
RM Promo Enhancements
Delivered tools and workflows for Relationship Managers to resolve promotional disputes efficiently.
Improved service delivery, reduced resolution time, and enhanced customer retention.
Scheduled Transfers to Brokerage
Built automated scheduling capabilities for fund transfers between retail and brokerage accounts.
Improved operational efficiency, reduced service calls, and supported investment growth.

Mutual Fund Portals (L&T, HSBC, KOTAK, YES)Led end-to-end development of B2C mutual fund platforms supporting full investment lifecycle—from onboarding to redemption.
Pre-Login Journey: Designed intuitive landing pages with fund discovery tools, SIP calculators, and educational content to drive engagement and conversions.
Post-Login Journey:

Enabled seamless portfolio management, transaction tracking, and personalized dashboards with real-time NAV updates.
Integrated with KRA (KYC Registration Agency) for instant digital KYC verification and onboarding.
Established secure payment flows via Billdesk, supporting net banking, UPI, and card transactions with real-time status updates.
Delivered responsive UI across web and mobile, ensuring consistent experience and accessibility.
Mutual Fund Mobile App Enhancements (Kotak, My CAMS) :
Enhanced mobile-first customer journeys with biometric login, goal-based investing modules, and push notifications for NAV alerts and SIP reminders.
Integrated KRA APIs for mobile KYC updates and Billdesk SDKs for in-app payment execution and confirmation.
Improved app performance and feature adoption through iterative releases based on user analytics and feedback.
CAMS Webservices API Ecosystem
Architected scalable APIs enabling mutual fund companies and distributors to integrate with CAMS infrastructure.
Supported both pre-login data fetches (e.g., fund info, NAV history) and post-login operations (e.g., transaction execution, investor data sync).
Ensured secure, compliant data exchange with encryption, audit logging, and role-based access controls.

• Worked on cost reduction solutions for Pricing vendors in asset pricing and NAV calculation.
• Replaced high-cost vendors with low-cost vendors, significantly reducing costs.