Kunal Choudhary

• Managing an 11-member team comprised of professionals skilled in Java, Spring, and Angular.
• Possess thorough knowledge of Self-Serve (iPhone, Android, iPad, Web) and Assisted Channels (Bankers, Ops, SDC) catering to HNI/UHNI Clients in the Digital Payments domain.
• Led cross-regional projects for Global HNI Clients in North America, Europe, and Asia Pacific regions.
• Regulatory – COP (bit.ly/3GKd3R0 | Dodd-Frank (bit.ly/Dodd-FrankUS) | Transaction Signing (bit.ly/MobileToken) | ISO (citi.us/3BhSoV6) | Travel Rule (bit.ly/TravelRuleUS) |SOFR (citi.us/3NURotf)
• Business Discretionary – Multi Signer (citi.us/3zB0ebC) | Faster Payments (bit.ly/3RLj6LC) | Bulk Upload Payments | Loan Payments | Wire Transfers | Internal Payments
• S&S/Tech Mandate – Camunda BPM Migration | Couchbase Upgrade | Spring Boot Upgrade | Java 11 | CVM

Confirmation of Payee (COP)- bit.ly/3GKd3R0 | EMEA | Regulatory | Nov'23 - Present

• Spearheaded full-cycle delivery of an extensive regulatory project that included UX enhancement, Domain API assimilation and successful integration with external parties like pay.UK, TTS and TMX/BioCatch. In addition, boosted performance and carried out effective VA/testing.
• Proposed to take the code in OFF mode to avoid multiple code reverts and provide a smooth UAT testing environment due to unavailability of Sandbox and Simulator by pay.UK.
• HNI/UHNI Citi UK, and CBNA INC (LV 600, 602) clients performing payee additions on CPB App/Web, which will impact over 30K payee additions per year. Additionally, will enhance client's confidence while adding a beneficiary without worrying about any fraud or discrepancies.

Camunda BPM Migration- camunda.com | Global (APAC/EMEA/NAM) | July'23 – Mar’24

• Successfully transitioned workflow management system from Camunda BPM tool to an in-house DB platform.
• Eliminate the need for spending $150,000 on Camunda's Enterprise Version license each year.
• Efficiently addressed the vulnerabilities of Camunda BPM while ensuring compliance standards by raising a RE and implementing an in-house fix with enhanced monitoring protocols.

Faster Payments (FPS)- bit.ly/3RLj6LC | EMEA | Jan'23 – Dec’23

• Integrated downstream apps such as XPAY, Citi Screening, pay.UK, and Credit Platform; enhanced SLA and reduced cost by consolidating logics across modules (Centralization of payee, Standing Instructions, and Reports)
• Led the Domain API's delivery consisting of 7 Atomic and 4 Composite Spring Boot microservices consumed via Apigee, NGINX, PSG, WLB, and Spring Gateway, Couchbase, and Oracle as DB.

Secured Overnight Financing Rate (SOFR) loans - citi.us/3NURotf| NAM | May'23 - Oct'23

• Executed an end-to-end solution for the HNI/UHNI NAM clients, in alignment with regulatory requirements and Citigroup's transition from LIBOR to SOFR.
• Calculated daily compounding rates in real-time for billions of dollars in quarterly value, resulting in industry-standard offerings for the business.
• Effectively led stakeholder relations in a project that required coordination with multiple downstream applications like Flexcube, Banking ops, Framework, QA,UAT,and Prod support teams.

Transaction Signing (bit.ly/MobileToken) | APAC/EMEA | July'20 - Nov'20

• Streamlined client experience by seamlessly integrating Wire, Internal Transfers, and Add Payee flows with Citi Mobile Token while maintaining high security standards.
• Implementing this feature automated the completion of first time beneficiary (FTB) and threshold call backs (>200K USD), resulting in reduced Manual Touch Point (MTP) for operations.

Multi Signer (citi.us/3zB0ebC) | Global | June'19 - July20

• Allows for Owner's to onboard Authorized Signers and Delegates facilitating digital payments on their behalf.
• Simplified and organized the maker-checker process for payment authorizations by implementing intricate permissions regulations. Leveraged a BPM tool equipped with Microservices and Adapters to streamline integration procedures.
• Automated Power to Instruct (PTI) call backs for ops/banker teams, leading to a decrease in MTPs.

PSD2 (bit.ly/psd2UK) | EMEA | Jul '17 - Aug '18

• Developed atomics and composite APIs as part of Open Banking Reg - PSD2 to facilitate the payments journey for HNI Clients.
• Ensured code quality (Sonar Gates) and security (Checkmarx, Black Duck), along with code coverage of 75%.

Mantas AML Monitoring Compliance Citi | Global | Jul '16 - Jul '17

• Utilized Oracle Mantas AML monitoring tool to identify instances of Anti Money Laundering.
• Proposed alternate to Mantas with ML and implemented Cluster-based ML model for reducing false positives on AML monitoring
• Presented work at CSC India level, winning best work in AI/ML award. R was used to build the model.