---
title: "Vallimuthu G - Head of Gateway Operations in Greater Bengaluru Area | Tal"
description: "Meet Vallimuthu G, 13+ Yrs Fintech & Payments Ops | AML/KYB & Compliance Leader | Merchant Onboarding, FRMS | Operations | Ex-PhonePe, Flipkart based in Greater Bengaluru Area. AI stack includes claude code."
image: "https://tal.club/meet/valli-muthu/share-image"
---

# Vallimuthu G on Tal

## Headline

13\+ Yrs Fintech & Payments Ops \| AML/KYB & Compliance Leader \| Merchant Onboarding, FRMS \| Operations \| Ex\-PhonePe, Flipkart

## About

I lead AML, KYB, and Fraud Risk Management for Finmo, a cross\-border payments business\. Over 13\+ years in fintech and e\-commerce \(Finmo, PhonePe, Indus Appstore, Flipkart\), I've built and rebuilt onboarding, KYC/KYB, and risk operations\. Each time the goal is the same: turn a manual, audit\-fragile process into something structured, fast, and defensible\. Recent wins at Finmo: \- Cut merchant approval turnaround to 10 days by redesigning the review workflow and enforcing 24\-hour case pickup SLAs \- Reduced Hawk screening ticket volume by refining fuzzy\-match logic, without sacrificing alert quality \- Raised Hawk screening resolution rate from 85% to 96% \- Rebuilt the KYB review process end\-to\-end \(Checklist 2\.0\), consolidating scattered RFIs into a single thread \- Closed a recurring KYB approval bottleneck by mandating Enhanced Due Diligence \(EDD\) documentation at merchant sign\-up Earlier at PhonePe, I rebuilt KYC document validation systems \(80% drop in rejection rates\), automated onboarding workflows \(2x faster AHT/ART\), and ran compliance and audit response across multiple lines of business\. What I bring to a compliance or ops leadership seat: \- AML/CFT, CDD/EDD, UBO, sanctions & PEP screening expertise across multi\-jurisdiction merchant bases \- A builder's instinct — I design and automate SOPs, not just run them\.

## Location

Greater Bengaluru Area

## AI stack

claude code

## Work experience

Head of Gateway Operations at Finmo, Jan 2026 \- Present · 9 mos, Bengaluru, Lead AML, KYB, and Fraud Risk Management \(FRMS\) for Finmo's multi\-jurisdiction merchant base, owning risk\-based onboarding strategy end to end\. \- Cut merchant approval turnaround to 10 days by redesigning the review process and enforcing 24\-hour case pickup SLAs \- Reduced Hawk transaction\-screening ticket volume 35% week\-on\-week by refining fuzzy\-match logic and improving match\-score transparency, without sacrificing alert quality \- Rebuilt the KYB review process end\-to\-end \(Checklist 2\.0 \+ backoffice UI revamp\), eliminating missed validations and consolidating RFIs into a single merchant thread \- Partnered with Tech & Product to ship a HubSpot–WhatsApp integration \- Mandated Enhanced Due Diligence \(EDD\) documentation at merchant sign\-up, closing a recurring approval bottleneck at its source

Business Operations Manager at Indus Appstore, Jan 2024 \- Jan 2026 · 2 yrs 1 mo, Drove developer onboarding and engagement across the fintech app ecosystem\. \- Built and led end\-to\-end onboarding for the top apps on the platform, from process design to steady\-state operations \- Partnered directly with developers to resolve onboarding blockers and improve platform experience \- Built a centralized merchandising\-campaign system, improving tracking and operational efficiency \- Took the developer outreach program from 0 to 1, designing and implementing the ticketing system that still runs it today

Operations Manager \- Ads & Billing Collections at PhonePe, May 2022 \- Dec 2023 · 1 yr 8 mos, India, \- Standardized advertiser onboarding and enforced legal\-entity/KYC compliance across the full advertiser portfolio \- Authored BRDs for advertiser onboarding and admin controls, tightening KYC standardization and billing visibility \- Built guardrails and ran root\-cause analysis on major incidents, reducing audit\-flagged breach incidents \- Brought monthly unbilled amounts down from ₹1\.8–2 Cr to ₹0\.22 Cr and grew monthly collections from ₹25 Cr to ₹30\+ Cr, while lifting on\-time billing to 98% \- Optimized Salesforce workflows and established KPIs for the function

Operations Manager \- Onboarding & KYC at PhonePe, Jan 2021 \- Apr 2022 · 1 yr 4 mos, Bengaluru, \- Rebuilt the KYC image\-recognition validation layer, cutting document rejection rates 80% \- Built an automated Salesforce workflow for mass offline vendor onboarding, cutting both AHT and ART in half \- Integrated a Salesforce\-linked KYC API, lifting verification accuracy 60% \- Delivered a business continuity plan and streamlined vendor onboarding process projected to save ₹36L annually \- Oversaw AML/KYC adherence across 70 outsourced vendor partners \- Automated KYC checks and penny\-drop validation, closing a fraud gap in beneficiary verification

Associate Manager \- KYC at PhonePe, Oct 2019 \- Jan 2021 · 1 yr 4 mos, Bengaluru, Owned day\-to\-day KYC case review and compliance checks during a high\-growth onboarding period — the foundation for the automation and API integrations built in the following role\.

Assistant Manager \- Payment Ops at Flipkart, Oct 2018 \- Oct 2019 · 1 yr 1 mo, Greater Bengaluru Area, \- Sustained a 70%\+ resolution success rate across payment gateways and aggregators, resolving payment anomalies and settlement issues directly with partners \- Lifted resolution rate from under 60% to 72% by redesigning the escalation\-resolution workflow

Associate Manager at Flipkart, Jan 2018 \- Sep 2018 · 9 mos, Bengaluru, Led social media monitoring and escalation control; analyzed customer sentiment across channels to inform product and process improvements\.

Team Lead at Flipkart, Jul 2014 \- Dec 2017 · 3 yrs 6 mos, Bengaluru Area, India, \- Redesigned processes and operational policies across the team \- Built a knowledge base workflow that evolved into the knowledge management tool used across the entire Ops org today \- Won 7 internal innovation awards \(F\-Drive\), including runner\-up for the RRR \(Returns/Replacement/Refund\) validation tool

## Education

Master's degree, HR & Marketing, Bangalore Institute of Management Studies

[View the original profile](https://tal.club/meet/valli-muthu)

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