Results-driven Senior Business Analyst / Product Owner with 8+ years of experience in BFSI domain, specializing in payments systems, product strategy, Agile methodologies, and process automation. Proven expertise in Low Value, High Value, Cross-Border, and Instant Payments, with in-depth understanding of key regulations like SEPA, PSD2, Open Banking, and G3 (Singapore). Adept at delivering scalable, compliant, and customer-centric solutions while ensuring regulatory and business alignment.