Jayaseel Panabaka

With 14 years of industry experience specializing in system development, API integration, and ESB technologies. Expertise includes IBM Integration Bus/App Connect Enterprise, IBM Message Queue, and IBM Operational Decision Management across various operating systems. Proficient in application integration using REST API, SOAP Web Service, and Publish Subscribe.

WMB V7.0 Solution Developer Certification.

Fusion Trade Innovation

Role: Lead Developer, Requirement gathering, Design, Prod support

Transform the Trade Finance business (both Conventional and Islamic) by implementing a new Regional Trade Finance Platform (RTP) that supports end-to-end handling of all Documentary Trade Finance products. This transformation aims to grow business and revenue by offering advanced liquidity management solutions and enhanced services for corporate clients while improving the operational efficiency, accuracy, and transparency in transaction handling.

Key Features

GlobalOne Account

Role: Lead Developer, Requirement gathering, Design, Prod support
The GlobalOne Account project was designed to create a streamlined and borderless banking experience, offering customers a single, multi-currency deposit account with a wide range of capabilities. The key features and functionalities of this account are outlined below:

Key Features

1. Single Deposit Account:

• Supports local and multiple foreign currencies.
• Shariah-compliant structure for investment placements.

2. Seamless Account Opening:

• Straight-through processing for account opening using e-KYC, reducing paperwork and enhancing user experience.

3. Omni-Channel Accessibility:

• Access account via physical branches, ATMs, and digital channels such as internet banking.

4. Single Currency View:

• Provides a consolidated view of all currency balances in one interface.

5. E-Statements:

• Ability to view and download e-statements for customer convenience.

6. Automated Preferential Rates:

• System dynamically assigns preferential rates based on customer segmentation for:
• Placement interest rates.
• Foreign exchange conversion.
• Service charges.

7. Centralized Service Charges:

• Consolidation of charges such as cable, commission, FX, stamp duty, and agent fees.

8. Cross-Currency Transactions:

• Enables online cross-currency transactions with a single conversion rate.

9. Third-Party Fund Transfers:

• Allows fund transfers to third-party accounts across currencies.

10. Foreign Currency Cash Transactions:

• Supports deposit and withdrawal of foreign currency notes.

11. Regional and Global Accessibility:

• Recognized by Maybank channels across all regional countries with Maybank's presence.
• Accounts can be used with both physical and virtual debit cards for seamless cross-border transactions.

12. Global Convenience:

• Provides borderless banking convenience, allowing customers to shop and spend abroad as locals with their GI One Account and Debit Card.

13. Worldwide ATM Withdrawals:

• Enables worldwide ATM withdrawals in local currencies.

14. Non-Citizen Eligibility:

• Non-citizens can open and operate a GI One borderless account.

15. Customer Rewards:

• Offers promotional incentives and hibah (gifts) to customers based on Average Daily Balance (ADB).

Maya Home

Role: Lead Developer, Requirement gathering, Design, Prod support
MAYA Home is a digital initiative developed by Maybank in response to the challenges posed by the Covid-19 pandemic lockdowns, which restricted physical property viewings and in-person guidance for mortgage applications. The project seeks to maintain and enhance customer engagement by offering mortgage-related services through the Maybank MAE mobile app, while also providing tools for frontline sales personnel via the MAYA Home Sales Force App.

Key Features

Account Opening STP

Role: Lead Developer, Requirement gathering, Design, Prod support

This project aims to enhance the Straight Through Process (STP) capabilities for online account opening through the M2U Website and MAE Mobile App, in compliance with the updated eKYC (Electronic Know Your Customer) guidelines from Bank Negara Malaysia (BNM).

Key Features

• Implement a seamless digital account opening process that allows customers to open accounts via the M2U website or the MAE app.
• Integrate eKYC verification to ensure customer identity verification complies with BNM regulations, making the process secure, fast, and fully online.
• Enable customers who complete eKYC verification through the MAE app to immediately activate and use their accounts.

Account Types Supported:

• Premier 1 Account (PM1)
• Premier Mudharabah Account-i (PMA-i)
• Kawanku Savings Account (Kawanku)
• Savings Account-i (SA-i)
• Private Banking Account (PBA)
• Private Banking Account-i (PBA-i)

Business Account Opening STP

Role: Lead Developer, Requirement gathering, Design, Prod support

This project aims to enhance the Business Account Opening process by introducing a Straight Through Process (STP) for opening business accounts via Maybank2u (M2U) and Maybank2uBiz (M2UBiz) platforms. The enhancement focuses on enabling Small and Medium Enterprises (SMEs) and other business entities to open accounts online without needing to visit a Maybank branch, streamlining the account opening process.

Key Features

• Facilitate online business account opening for various business entities, including Sole Proprietorships, Partnerships, Private Limited (Sdn Bhd) companies, Professionals, and Clubs/Associations/Societies.
• Eliminate the need for business customers to physically visit a Maybank branch, making the process more convenient and efficient.
• Ensure the system is fully compliant with regulatory requirements, providing a secure and fast online account opening experience.

Account Types Supported:

• SME First Account (SME First A/C)
• SME First Account-i (SME First A/C-i)
• SME First Investment Account-i (SME First Investment-i)
• Corporate Current Account (CCA)
• Corporate Current Account-i (CA-i)

• Designed a pattern framework for atomic, aggregate, sequential, and complex sequential transactions, including MQ scripts, deployment scripts, and GitHub scripts. This framework streamlines development by enabling faster, more reliable service delivery with reduced human errors.