Hi Learners, I am Dharmendra Sharma.

Your Mentor, who is Results-driven FinTech Product Leader with 18+ years of end-to-end delivery experience across Payments, Core Banking, KYC/AML, Fraud Prevention, Open Banking, and AI-powered Operations. Former Principal Product Owner at FIS Global Business Solutions, where he owned the product strategy and delivery roadmap for enterprise-grade payment platforms serving Tier-1 and large regional banks across APAC, EMEA, and North America. Delivered an 18%+ KYC onboarding efficiency gain through GenAI integration - a benchmark AI Ops outcome in BFSI. Proven expertise in ISO 20022 migration, API-first payment architectures, real-time payment rails (UPI, RTGS, IMPS, SWIFT gpi), and cross-border FX processing. Currently Founder Director of AI Product Partners, offering AI Ops MVP platforms and practitioner-led FinTech career mentoring. Expert collaborator with bank CIOs, COOs, and Heads of Payments on digital transformation, regulatory compliance (RBI, NPCI, CBUAE, GDPR), and operations debt reduction.

I am expert on :

Payments & Rails: ACH, SWIFT, SWIFT, MT103, ISO 20022, RTGS, NEFT, IMPS, NACH, UPI, BBPS, FPS, SEPA, RTP, FedNow, Wires, Cross-border Payments, FX Processing, Domestic Clearing, Open Banking, API Banking

AI & GenAI in BFSI: Generative AI (GenAI), LLM Integration, Agentic AI, AI Ops, Machine Learning (ML), Prompt Engineering, NLP, Intelligent Document Processing (IDP), AI-assisted Fraud Detection, AI-powered KYC

Fraud & Risk: Fraud Detection & Prevention, Positive Pay, Reverse Positive Pay, Sanctions Screening, AML/CFT, Rule-based Fraud Controls, Real-time Risk Scoring, Chargeback Management, PCI-DSS

Regulatory & Compliance: KYC, AML, RBI Payments Vision 2028, NPCI Guidelines, CBUAE, GDPR, FATF, Audit Trails, Data Retention Policies, SOX Compliance, Liquidity Controls, PSD2

Platform & Architecture: Core Banking (FIS CBS), Payment Hub, API-first Architecture, Microservices, Event-driven Architecture (Kafka), Digital Channels, GL Integration, Legacy Modernisation, Cloud-native Payments

Product Management: Product Roadmap Ownership, Backlog Management, P&L Ownership, OKRs, KPIs, Product Discovery, Market Sizing, Competitive Analysis, Go-to-market Strategy, Pricing Strategy

Delivery & Agile: SAFe 5.0 at Scale, Scrum, PI Planning, Sprint Delivery, UAT Governance, Production Rollout, Multi-geo Team Leadership, DevSecOps, JIRA, Confluence, Azure DevOps

Stakeholder Management: CIO, COO, Head of Payments, Board Reporting, Executive Communication, Client Advisory, Enterprise Sales Support, RFP/RFI Responses