--- title: "Manoj Kulkarni - Assistant Director- Product Manager in Greater Bengaluru Area | Tal" description: "Meet Manoj Kulkarni, 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. based in Greater Bengaluru Area. AI stack includes n8n, openai, and perplexity." image: "https://tal.club/meet/manoj-kulkarni/share-image" --- # Manoj Kulkarni on Tal ## 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 \(Deemed\-to\-be University\) [View the original profile](https://tal.club/meet/manoj-kulkarni) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Person", "@id": "https://tal.club/meet/manoj-kulkarni#person", "name": "Manoj Kulkarni", "url": "https://tal.club/meet/manoj-kulkarni", "image": "https://tal.club/meet/manoj-kulkarni/profile-photo.jpg", "description": "Meet Manoj Kulkarni, 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. based in Greater Bengaluru Area. 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