SAROJINI ARUMUGAM
Product Owner
Summary
Dynamic and results-driven professional with 12+ years of experience in delivering enterprise-scale digital platforms - Client Onboarding, Cards, Rewards, Payments with Global Financial institutions including WellsFargo, Citibank and Bank America. Proven track record of owning digital product strategy, CIAM platforms, API-driven ecosystems, fraud prevention and onboarding journeys across regulated banking environments. Expert in leading cross-functional global teams, defining product roadmaps, executing Agile delivery, and driving data-led digital transformation. Played a pivotal role in Agile Scrum teams by supporting Business Stakeholders and Developers in managing product backlogs and refining project scopes during sprint planning sessions, daily scrums, and retrospectives. Successfully designed multiple API systems that increased data retrieval efficiency, significantly enhancing user satisfaction and system reliability. Effectively implemented a reporting dashboard(tableau/JIRA) that provided real-time Product insights, leading to an improvement in strategic decision-making across the organization.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Wells Fargo International Solutions Private Limited
07.2024 - Current
- Leading digital transformation initiatives to enhance client onboarding, CIAM, Fraud and Digital across Consumer and WIM banking
- Supporting CIAM Capabilities including authentication, Fraud Prevention and Customer Alerts & Notification
- Partner with engineering, design, fraud, compliance and operations to deliver scalable and compliant digital solutions.
- Perform funnel and journey analytics to identify drop-offs, optimize UX and improve digital adoption and conversion
- Enabling digital integration in branches, enhancing in-person customer interactions through innovative technology solutions.
Senior Business Analyst
Citicorp Services Private Limited (Citibank)
12.2021 - 06.2024
- Delivered Customer & Identity Access Management (CIAM) capabilities across API Gateways(OAuth,Apigee) supporting secure digital onboarding and partner integrations.
- Built role-based authorization, MFA and token-based authentication enabling secure access for enterprise API consumers across cards, payments and rewards platforms.
- Built a $60M cost-optimized rewards platform across APAC & EMEA through data-driven product redesign.
- Designed and delivered 60+ APIs and microservices enabling scalable, secure customer and partner integrations.
- Enabled secure, compliant API consumption across digital ecosystems through centralized identity and access governance.
- Drove digital transformation programs improving operational efficiency by 30% across payments and servicing platforms.
- Integrated customer feedback loops into product delivery, increasing CSAT by 2%.
Analyst
Infosys Limited, India
10.2017 - 12.2021
- Led Agile teams delivering fraud detection and digital experience platforms for insurance and financial services clients.
- Delivered 30+ digital initiatives using data-driven product improvement and API-based architectures
- Reduced fraud and improved customer journeys by 20% using analytics-led optimization
- Mentored junior analysts and acted as product delivery lead for multi-region initiatives.
Intermediate Business Analyst
Accenture Services Private Limited, India
02.2013 - 09.2017
- Delivered enterprise SWIFT, SEPA and payment clearing platforms across APAC, EMEA and North America.
- Led testing, release and digital transformation programs supporting card issuing, acquiring and online payments.
- Built scalable middleware and API-driven banking platforms supporting high-volume digital transactions.
- Client - BANK OF AMERICA
Education
Bachelor of Technology - Information Technology
Anna University
India01.2012
Skills
Digital Product Strategy
Certification
Certified Scrum Product Owner (CSPO) Scrum Alliance Inc - 2021
Awards
WellsFargo: Received Spot award for demonstrating an innovative behavioral-screening-based fraud detection solution at the Risk expo
Citibank: Awarded the CitiGratitude Gold(2024) for implementing the rewards systems for Credit Cards across APAC & EMEA.,
Infosys: Received the Gracias Award (2021) and the Insta Award (Q4 2020) for outstanding teamwork and contribution.,
Accenture: Earned multiple Spot Awards (2014 - 2016) for exceptional performance and recognized as a Star Trainer (2017) for achieving 100% team engagement and training new grads from the Uni.
Timeline
Wells Fargo International Solutions Private Limited
07.2024 - Current
Senior Business Analyst
Citicorp Services Private Limited (Citibank)
12.2021 - 06.2024
Analyst
Infosys Limited, India
10.2017 - 12.2021
Intermediate Business Analyst
Accenture Services Private Limited, India
02.2013 - 09.2017
Bachelor of Technology - Information Technology
Anna University