More than 20 years of diverse IT experiences acquired while working for world’s most respectable clients including TD Bank, American Express, RBC, Payments Canada , Federal Bank , USBank. Expertise in Payments Types – ACH , RTP, Zelle , Check, SWIFT, Fedwire Data transformation - ISO8583 / IS02022 FTM, FlexCube, Finacle , TEMENOS , BASE24, Fusion Plus Payments Consolidation and Modernization PaaS s Cloud Strategy s API Management Open Banking Channel Integration BIAN / NACHA / Block Chain Cloud enablement – AWS , GCP , OpenShift Multiple Payment Schemes – ACH , RTP , Zelle, Wires – Domestic and International Payment Standards – IS020202 , TCH , NACHA SWIFT