Naveen is Global Solution Leader for Core Banking & Payment with 27+ years of experience in IBM Global Business Services. He comes with Consulting and Delivery experience of very complex engagements, business strategy and client relationship skills. He has delivered multiple ISV/IBM Lab engagements as SI, Fraud/AML and testing. e.g., IBM Payment Platform, IDAL, Fiserv, FIS, Finastra, Finacle, Flexcube, FTM, Safer Payment etc.He has worked as Industry/Technical Consultant for 20+ year in Core Banking & Payment. Has in-depth experience in Business Modeling, Architecting technical solution for greenfield, technology refresh and enhancement programs. He has worked across multiple geographies including NA, EMEA, APAC and ISA including multiple Fortune 500 cos.He has experience in delivering CORE Banking modernization in Retail, Branch and Back Office area. Have experience in Open banking and BIAN. On Payments domain, he has developed/managed Merchant – Onboarding, Payment and Dispute program delivery. Managed Global Network service program including Acquiring, Issuing and building/enhancing Reconciliation and Settlement system. He was instrumental in setting up the IBM Cognitive Payment Center for Canada in India and responsible for developing the CORE Payment Platform e.g., Real Time Rail, Instant Payment, Automated Fund Transfer, Email Money, Wires, Check and FOREX. IPCC is a multi-tenant IBM cloud-based Cognitive Payment As a Service platform processing all Canadian Payments with integrated Liquidity, Pre and Post funded model, Fraud and AML features built in. He has a very good understanding of ISO20022 and SWIFT. He has setup Safer Payment(Fraud and AML) practice in CIC – India.He has deep experience in integration technologies such as API, Microservices, Kafka, Interactive engagements, Cloud Architectures, IBM Financial Transaction Manager, IBM Integration Bus, API Connect, DataPower, WebSphere Application Server, JBOSS, Weblogic etc. He also has implemented AppDevOps capability including TOM. Experience in Cloud (Public, Private, Hybrid) with Azure, IBM, AWS, IKS, ICP, Pivotal, Openshift, RHHold Patent of Merchant Dispute Imaging "Publication No. US 2005/0178824” and and IP on "IPCOM/000202057" on Smarter Capacity Planner based on Volumetric and velocity designs.Has worked on Data center consolidation for multiple banks in EMEA and US. Experienced in Insurance Platform for Group Life and Personal and Non-life USA, Malaysia, Singapore, Italy, UK across multiple Client.