Randhir Singh

Open for all European countries, Valid EU Blue Card till July 2029 Location: Luxembourg Phone : +352 621155771 (Luxembourg) | +91 9538202070 (India) Email : [email protected] RANDHIR SINGH Product Manager | Business Analyst | Domain Consultant-Core Banking | Agile Project Manager |French and English | Languages: English (Fluent/C2 level), French (Fluent/C1 level) PROFESSIONAL SUMMARY Strategic Product/Project Manager and Business Analyst with over 18 years of experience in Banking & Financial Services (BFS). Proven expertise in leading Digital Transformation and Regulatory Compliance projects within the Luxembourgish, European and USA markets. Specialist in SEPA (SCT Inst/SDD), ISO 20022, and AML/KYC frameworks. Expert at bridging the gap between complex EBA/EU regulatory mandates and technical delivery using SAFe/Agile methodologies. PI Planning, Value Stream Mapping, WSJF Prioritization (Weighted Shortest Job First), and Lean-Agile Leadership. CORE COMPETENCIES • Project Management: Defining objectives, resource coordination, roadmap planning, and timeline management with a focus on RAID management and milestone tracking for international banking projects. • Payment Product Management & Strategy: Experienced in defining multi-year roadmaps for payment ecosystems. Expertise in managing the Product Lifecycle (PLC) from discovery and MVP definition to GTM strategy - specifically for REST APIs, Digital Wallets, and Embedded Finance. I am skilled in balancing technical debt with feature innovation using and GenAI and automation. • Deep Payments Domain Expertise: Specialist knowledge in SEPA (SCT Inst & SDD), ISO 20022 & SWIFT, Card Payments (EMV/PCI-DSS), Digital Wallets & Embedded Finance, Tokenization, PCI-DSS compliance, and Acquiring and Issuing workflows, and Cross-Border transaction flows. • Business Analysis: Requirements gathering and Elicitation, Gap Analysis, Impact Analysis, Risk & Compliance Assessment. • Documentation: Functional & Technical Specifications, Features, User Stories, Test Cases. • Data Migration & Master Data Management (MDM): End-to-End data lifecycle management, leveraging SQL and MDM frameworks to drive seamless transitions from legacy systems to modern banking architectures. • Process Orchestration and Design: Business Process Model and Notation 2.0 (BPMN 2.0): Documentation and automation of complex payment lifecycles, exception handling, and settlement workflows. UI/UX Design: User-centric design for digital wallets, payment portals, and merchant dashboards focused on reducing friction and Time to Pay, BPMN 2.0 & UML. • Technical Analysis: REST API Design & Strategy, Microservices, SQL, XML, JSON, YAML Swagger/Open API, Gen AI and DeFi. • Regulatory and Risk Management: Extensive experience in AML/KYC, RCSA, GDPR, DORA, and EPC rulebook, EBA Standard, compliance and navigating complex EU regulatory mandates. • Digital Transformation: Process Modelling (BPMN/UML), Digitalization Strategy, AI-Driven Workflows. • Stakeholder Management: Coordinating cross-functional teams, User Training, Change Management. • Tools: Jira, Confluence & SQL, Miro, SharePoint, MS Visio, Postman, Apigee, Splunk, Rancher, Swagger/Open API, • Methodologies/Frameworks: Agile, Scrum, SAFe, BPMN 2.0 PROFESSIONAL EXPERIENCE Taleo Consulting, Luxembourg | Senior Consultant | July 2025 to Jan 2026 Client: POST Finance, Luxembourg (Functional Business Analyst) • Led end-to-end requirement analysis and user story design for 21 critical SEPA SDD features in the Finacle Payment system. • Bridged SEPA standards with the Finacle core banking platform to ensure robust functional integration. • Identified major gaps in business requirements and blockage management features, provided strategic feedback to Product and Business teams. Client: Societe Generale, Luxembourg (Payment Product Manager) • Completed Technical Specification for the adoption of ISO 20022 Cash Management standards (CAMT.053 & CAMT.052). • Translated complex payment scheme mandates into intuitive product solutions and authored comprehensive technical user guides. Cognizant, India | Consulting Manager – Business Value Management | Oct 2023 to July 2025 • Thought Leadership: Authored strategic whitepapers on UPI, embedded payments, Fintech and API design risk management. Senior Product Manager - Card Payments • Client: Discover Card Network, USA • Strategic Optimization: Led current-state assessments of Network Authorization applications against industry benchmarks, identifying key drivers to enhance transaction approval rates. • Decline Mitigation: Identified 5 critical reasons for transaction declines, including high-risk geography blocks and expired cards—and proposed technical solutions like Dynamic Risk Scoring and Card-on-File (CoF) Tokenization. • Revenue Recovery: Recommended real-time BNPL prompts for insufficient funds and Stand-In Processing (STIP) for technical timeouts to convert failed sales into successful transactions. • Compliance Innovation: Advised shifting from static AML rules to AI-driven behavioral profiling to reduce "false declines" while maintaining strict regulatory adherence. Product Manager – REST API Innovation • Client: US Bank 5th largest Bank of the USA • Roadmap Leadership: Owned the product vision and roadmap for a suite of REST APIs supporting Embedded Payments, Payee Choice, Bank Information and PaySmart. • Performance Engineering: Designed and deployed the Payee Choice API, achieving a 60% improvement in response time. • Designed and deployed Payee Choice, Bank Information and PaySmart. • Secure Integration: Architected security protocols using OAuth and JWT and implemented webhook notifications to enable secure communication with external partners. • Technical Integrity: Integrated an idempotency key feature within the Payee Choice API to eliminate duplicate payment requests caused by network retries. • Receive Smart API design: Architected the Receive Smart API by defining rigorous specifications and schemas while implementing OAuth and JWT security frameworks to protect sensitive financial data. • Gen AI Initiative: Secured approval for and initiated Generative AI projects focused on automated SDK generation via Chatbots and payment initiation. Tata Consultancy Services, India, France and Sweden | Business Analyst / Product Owner / Project Manager | Feb 2017 to Oct 2023 | • Strategic Growth & Sales Support: Partnered with sales teams on high-value RFPs for Bayer France, securing new project wins through targeted requirement discovery and solution consulting. • International Product Transition: Directed the technical handover of the Inspire API Product from Atos to TCS in Paris, ensuring seamless operational continuity for Air France. • Regulatory & Risk Governance: Led the Risk and Control Self - Assessment (RCSA) framework for Danske Bank, guaranteeing that MVP releases for Manual Customer Risk Assessment met strict EBA regulatory standards. • Large Scale Regulatory Modernization: Managed the end-to-end upgrade of NICE-Actimize AML systems (v3.5 to v8.5) across four global jurisdictions for Barclays Bank, delivering within strict budget and timeline constraints. • Master Data Leadership: Supervised the implementation of Informatica MDM for Lansforsakringar AB, orchestrating complex data migrations for both legal and natural person entities. • Strategic Resource Management: Led the selection and onboarding of specialized technical resources, building cross-functional squads to meet critical deployment milestones. • NIELSEN NORTH AMERICA | Business Analyst & Product Owner • Strategic Brand Leadership: Managed market research and consumer analytics for the Diageo brand, delivering 15 cross-functional projects on competitor benchmarking and product performance. • Data Intelligence: Managed 7 North American dashboards and optimized reporting workflows. Jira, Confluence, and Retail Measurement Systems (CASE)/other internal tools. • HSBC FRANCE | Process Lead: Bilingual Financial Crime Compliance: Conducted complex AML investigations in French for high-value SWIFT and SEPA transactions, ensuring strict adherence to European regulatory standards. Earlier Experience Highlights: • Concentrix Technologies: Sr. Business Analyst for Career Builder – Talent Network Solution (SaaS implementation) and Quality Assurance. • IGATE Global Solutions: Bilingual Analyst for Royal Bank of Canada (Payment Operations). • HSBC Global Solution Centre: Sr. Payment Analyst for HSBC France (International Payment Operations). • Computer Sciences Corporation (CSC): Sr. KYC Analyst for Swiss-Re and Wilton-Re. EDUCATION & CERTIFICATIONS • French Language Diploma (B2 and a Special Course): Alliance Française, DELF Certified by the Govt. of France. • Postgraduate Diploma in Computer Application-PGDCA: M.J.P. Rohilkhand University. • Bachelor’s degree: M.J.P. Rohilkhand University. • Certified POPM SAFe 6 (Product Owner/Product Manager SAFe 6) • Lean Six Sigma Green Belt (LSSGB from Henry Harvin Education and KPMG) • Certified Business Analyst (TCS Domain Academy). • Total 40+ certifications in project/Product management, BFS Domain and FinTech • LinkedIn: www.linkedin.com/in/randhir-singh-2a242622

Program: Card Payments Network Authorization Systems: Value Stream Assessment & Optimization: Strategic Business Value Assessment Led the comprehensive Business Value Management (BVM) assessment for high-volume Card Payment Network Authorization systems and processes, aligning technical performance with key business outcomes (such as revenue, fraud reduction). Conducted a Current State Assessment of network authorization applications and processes, benchmarking performance against internal governance frameworks and global industry best practices. Transaction Approval Optimization: Identified five critical factors contributing to lower transaction approval rates, translating complex system failures into clear, actionable business recommendations for immediate remediation. Application and Service Mapping: Performed Service Tree Mapping and detailed application snapshots to establish clear dependencies and ownership across the authorization ecosystem. Pinpointed Application Hot Spots (areas of high failure, cost, or technical debt) and key Areas of Concern, defining potential high-ROI optimization and modernization opportunities for future investment. Actionable Insights Delivery: Delivered a clear set of proposed solutions for each identified approval rate deficiency, directly influencing the client's decision-making regarding immediate system fixes and long-term architectural upgrades. Program: Strategic API Enhancement for Developer Portal (Bank Information, PaySmart, and Payee Choice): Led the end-to-end product strategy, development, and delivery for the core suite of payment APIs (Payee Choice, PaySmart, and Bank Information) supporting the bank's developer portal. Successfully drove API performance optimization, introduced critical compliance features (Idempotency), and expanded the portal's capabilities, culminating in the approval of two strategic Gen AI innovation projects.

• Analyzed business requirements, identifying areas of improvement, potential risks, and opportunities for optimization • Performed functional testing to validate implemented solutions and guarantee their adherence to requirements • Ensured a smooth transition and offshoring process, transferring knowledge to maintain business continuity planning • Conducted in-depth reviews of test cases to validate their effectiveness and coverage • Implemented the Risk and Control Self-Assessment (RCSA) process, evaluating and mitigating project and organizational risks • Conducted contract analysis to develop comprehensive project plans, ensuring execution aligned with organizational goals • Created comprehensive functional designs and conducted walkthroughs with key stakeholders, ensuring clear understanding and alignment on project objectives and deliverables • Drove continuous improvement to build capability, engagement, efficiency, and effectiveness of people, teams, and organizations • Conducted fit/gap analysis to align business requirements with product features, identifying gaps, and prioritizing business requirements for implementation

• Implemented a Talent Network solution for HR Recruitment, optimizing the hiring process and streamlining candidate management • Spearheaded software quality assurance for Talent Network at Career Builder, ensuring high standards of functionality and performance through rigorous testing and bug resolution • Acted as the lead analyst for Software Quality Assurance, overseeing the team's efforts and driving efficient and effective quality control measures to deliver reliable software solutions User Acceptance Testing Received several appreciations for excellent job as Software Quality Analyst and French Language Expert.

• Acted as a Bilingual Analyst, coordinating with key stakeholders for payment operations, AML-KYC review, and risk assessment

• Managed the International Payment Operations for Swift and SEPA; validated and approved the high-value cross-border payments • Bagged several appreciations from the business for successful investigations and approval of high-value transactions

• Conducted AML-KYC reviews and assessments in compliance with regulatory guidelines and identified potential risks for mitigation • Facilitated smooth change of policy ownership and beneficiary updates to maintain accurate records and process documentation • Managed premium billing activities, ensuring timely invoicing and collections, exceptional customer service and issue resolution • Streamlined claim processing procedures, enhancing efficiency and accuracy for faster resolution and increased customer satisfaction • Implemented segmentation strategies for managing customer requests, optimizing resource allocation, and improving response time • Attained promotions and received prestigious accolades such as Champ of the Month and Quarter