Headline

Product Leader | AI-Driven Fraud & Financial Crime | $180M+ Fraud Loss Reduced | HSBC · Ex-Credit Suisse · Ex-CAPCO-Morgan Stanley | CBAP · PSPO | Fintech Speaker | Real-Time Payment Risk Platforms.

About

18 years. Three global banks. One obsession: staying ahead of financial crime using better products and smarter AI. At HSBC, I led the Feedzai migration across Hong Kong payments — six payment rails, real-time ML models, and data enrichment via ThreatMetrix and BioCatch. That programme contributed to $180M+ in fraud loss reduction. This wasn't a theory exercise — it was shipped, scaled, and live. Before that: Credit Suisse (Credit Risk platforms, Deal Tracker build), Capco/Morgan Stanley (Equity Swaps, MarkitWire), and Temenos (Credit Risk systems). Across all of them, the same pattern: bridge business intent to technical execution, deliver outcomes at scale. Today, I sit at the frontier of Agentic AI and real-time decisioning in banking — and I write and speak about it publicly. My areas: → Fraud & Financial Crime strategy (AML, KYC/EDD, Transaction Monitoring, Sanctions) → AI-driven risk platforms (ML model governance, Feedzai, SAS migration, GCP) → Product leadership in regulated environments (Agile, JIRA, stakeholder management) → Fintech 3.0 themes: Embedded Finance, Open Banking, RegTech, CBDC, DeFi If you're building AI-powered risk infrastructure, rethinking your fraud stack, or looking for a speaker who's done it inside a Tier-1 bank — let's connect on manukulkarni11@gmail.com | Open to: Senior Product Leadership · Advisory · Speaking

Location

Greater Bengaluru Area

AI stack

n8n

openai

perplexity

ChatGPT

ChatGPT Images

Wispr Flow

Work experience

Assistant Director- Product Manager at HSBC, Sep 2025 - Present · 1 yr 2 mos, Hybrid, Leading product strategy for AI-powered fraud and transaction monitoring platforms across HSBC's Global Markets division. • Defining the product roadmap for next-generation real-time fraud decisioning, integrating Agentic AI and behavioural biometric signals (BioCatch, ThreatMetrix) • Driving cross-functional alignment across engineering, data science, compliance, and operations — managing 10+ stakeholders across 3 geographies. • Championing the shift from rule-based to ML-led fraud detection across multiple payment corridors.

Senior Assistant Vice President Product Management at HSBC, Mar 2023 - Sep 2025 · 2 yrs 7 mos, Bengaluru, Karnataka, India, Payment Fraud Transaction Monitoring (SAS to Feedzai Migration) Led the end-to-end Feedzai Payment Transaction Monitoring implementation for HSBC Hong Kong — the bank's strategic SAS-to-Feedzai migration across 6 payment rails (Internal Transfers, Faster Payments, TT, RTGS, GTTF, Bill Payment). • Owned the Analytics workstream: designed fraud detection rules and ML model workflows integrating ThreatMetrix and BioCatch signals via the AFIS orchestration layer • Led Data workstream: mapped payment data from 6+ upstream sources to Feedzai target schema, enabling real-time scoring at transaction volume • Contributed to a programme that delivered $180M+ in fraud loss reduction across HSBC • Hosted Sprint Demos and requirement walkthroughs with senior business stakeholders; managed UAT sign-off across a 3-country team

Assistant Vice President Business Analyst at HSBC, Sep 2019 - Mar 2023 · 3 yrs 7 mos, Bengaluru, Karnataka, India, Delivered two flagship Financial Crime programmes at HSBC — a regulatory compliance workflow platform and a strategic Financial Crime intelligence dashboard. CIMT Regulatory Workflow (Appian): • Built the CIMT Consolidated Issue Management Tool enabling Global Markets Compliance to centralise, assess, and escalate regulatory breaches across 3 lines of defence • Performed end-to-end data mapping from source systems to the Compliance Data Repository (CDR) and Appian platform • Ran Sprint ceremonies (planning, demos, retrospectives) using JIRA; managed UAT and stakeholder sign-off at Director level Financial Crime Dashboard: • Improved Financial Crime's ability to surface strategic fraud typologies and customer risk profiles from investigation data — reducing time-to-insight for the FCR ops team • Performed GAP analysis and defined the future-state operating model (people, process, product) for combined AML + Fraud functions • Managed stakeholders from C-suite through to on-the-ground development teams

Business Analyst-Credit Risk at Credit Suisse, Aug 2017 - Sep 2019 · 2 yrs 2 mos, Bangaon, West Bengal, India, Delivered Credit Risk analytics and product solutions for Credit Suisse's Private Banking division, replacing legacy SharePoint workflows with a structured internal platform and supporting front-office risk decisions daily. • Built "Deal Tracker" from scratch — an internal trade capture tool that replaced a manual SharePoint process, improving trade visibility and auditability across the Private Banking desk • Performed Concentration Risk simulation models and LAM (Loan Asset Management) analysis to determine customer credit ratings, feeding directly into front-office exposure decisions • Allocated daily Exposure and Risk trading positions against counterparties for the front desk — translating quantitative risk outputs into actionable limit guidance • Acted as Scrum Master for the BA team: ran daily standups, managed the JIRA and Twiki backlog, and maintained sprint velocity across a cross-functional delivery team • Engaged directly with Traders and Trading Desks on requirements and design — bridging the gap between business intent and technical build in a fast-moving private banking environment

Business Consultant-Trade Confirms at Capco, Dec 2014 - Aug 2017 · 2 yrs 9 mos, Bangalore, Deployed onsite to Morgan Stanley London as Senior Business Consultant (via Capco), leading the end-to-end business analysis and delivery of a new Equity Swaps trade confirmation platform integrated with MarkitWire. • Led requirements gathering and functional design for a new trade confirmation workflow — working directly with Equity Swaps Trading Desks to translate complex trade lifecycle requirements into technical specifications • Orchestrated integration across upstream and downstream systems, enabling electronic trade confirmation via the MarkitWire platform — replacing a manual confirmation process • Delivered stakeholder demonstrations of the built functionality to Executive Directors at Morgan Stanley, securing sign-off across business units at senior leadership level • Designed and delivered domain training to QA teams, enabling them to execute UAT independently and achieve formal testing sign-off from lead business units • Ran daily Agile ceremonies as the BA lead (JIRA / Twiki), maintaining delivery cadence across an internationally distributed team

Business Consultant-Credit Risk at Temenos, Dec 2012 - Dec 2014 · 2 yrs 1 mo, Bangalore, Served as a Credit Risk Business Consultant at Temenos, owning the full SDLC lifecycle for Credit Risk Management modules — from requirements through client go-live — while contributing to product R&D on base platform versions. • Applied advanced credit risk concepts (PD, EAD, LGD, ECL, VaR) to define functional requirements for Temenos Credit Risk Management modules, working directly with banking clients across global accounts • Calculated daily Mark-to-Market (MTM) positions and allocated Exposure/Risk trading positions against counterparties, providing front-desk risk visibility on a continuous basis • Authored Functional Specification Documents (FSDs) and Test Cases for all Change Requests and new enhancements; managed UAT defect resolution in partnership with QA and development teams • Led client upgrade programmes from legacy platform versions — performed Gap Analysis, identified configuration changes, and delivered recommendations that minimised client migration risk • Contributed to the Temenos R&D Base team, identifying and documenting new product requirements that were incorporated into core platform releases

Support Consultant at Misys, Dec 2010 - Dec 2012 · 2 yrs 1 mo, Bangalore, Provided specialist functional support for Misys OPICS (now Finastra) across Fixed Income, Repos, and Core Modules — covering both Classic (5X/6X) and Plus (2X+) versions — while serving as a domain knowledge anchor for the broader customer services team. • Resolved complex client functional issues within SLA/PSP metrics across Fixed Income and Repo modules in OPICS, maintaining high client satisfaction scores across a global client base • Built and maintained a documented knowledge base of known issues and resolutions, reducing repeat escalations and improving team-wide resolution speed • Assessed the functional impact of client-raised Change Requests and communicated implications to internal and external stakeholders — bridging product, client, and development teams • Ran weekly client review calls to triage open issues by criticality and track resolution progress — developing strong client relationship skills in a high-pressure, SLA-driven environment • Acted as an internal product knowledge resource for the Misys customer services team, conducting knowledge-sharing sessions that improved overall team capability on OPICS modules

Education

Master of Business Administration (MBA), Finance and International Business, Jain (Deemed-to-be University)