Nirmal Kumar Email & Phone Number

Dallas, Texas, United States

# Digital technology product leader for consumer and business banking – managing Omni-channel digital banking products (including digital wires, payments, servicing products, and bill payments) serving 1.2 mm customers.# Led digital transformation strategy for consumer and business banking to modernize digital platforms and secure vulnerable applications, with a global team size of 200 plus and a technology budget of $40+ MM.# Security vulnerability management leader to mitigate 100+ application vulnerabilities via tools like static (SAST) and dynamic scanning (DAST), platform upgradation, and secure testing of applications.# Created capability teams to lead digital transformation across bank and branch operations supporting Union Bank back office (for mortgage, loans, KYC, etc.) for 400+ branches.# As a digital transformation leader, partnered with business groups to help them grow and resolve multiple issues o Customer digital issues with enhanced digital authorization/authentication framework o Introducing new digital products like Zelle, mobile check deposit, etc. o Branch issues by introducing new back-office automation.# During merger sales with US BANK, led acquisition to migrate digital applications and customer data.#

8181 Communications Pkwy, Plano, Tx

At Chase, led digital transformation and platform modernization of merchant business to enhance digital adoption from 4% to 85% with over 70% customer engagement.• As head of digital product for merchant business, I led merchant strategy, product roadmap, and product development for “QUICK ACCEPT” (Chase registered and trademark product) to enable merchant customers to collect digital payments on the go and help merchant clients accept payments within the One Chase App.• Created digital product capability teams to ring-fence the product development and high throughput.• Built a multi-year digital product strategy for merchant payment products to enhance - 1. Accounts Receivable experience for merchant clients – by accepting card payments through a mobile app (Quick Accept) and NFC Card Reader ( as optional) 2. Modernizing merchant experience to POS 3. Generating and accepting payment via mobile payment link 4. Same-day deposits for merchant transactions 5. Integrating merchant payment transactions with deposit accounts and producing a 360-degree view 6. Single Sign capability on merchant-handled devices 7. Enhanced operational performance with digital dispute resolution and fraudulent transactions.• I also led the Digital Payments API strategy for external partners to integrate with Chase Merchant & deposits.

Dallas, Texas, United States

Responsible for leading Salesforce Global Connect platform for Commercial Banking Products for RM’s, Personal Financial Management, and click Auto loan products with a global team of 80 and a budget of 15MM.• Led global web and mobile development for BBVA financial and investment banking.

Mckinney, Texas

Oversee development and delivery of digital application across Barclays - web and mobile channels, with teams spread out globally. Driving agile development programs, innovations programs and business use cases for ecosystem programs.Delivered - Digital Transformations programs on internal cloud, IOS and Android platforms like BTAP.Led the development and delivery of digital products across Barclays - web and mobile channels with a global teams and multi-million dollar budget.• Led Barclays Open Security SDK (BOSS) platform, a personal and corporate bank initiative to integrate all Barclays-developed Apps and 3rd party APPS using the API platform.• Led digital transformation of Barclay’s wealth platform (Smart Investor), an online wealth and investment platform on retail online banking stack to enhance self-directed customer engagement in real time. • Led digital contactless NFC payments, an Android contactless payment platform to allow Barclays consumer customers to use contactless payment during Barclay’s sponsored events.

Dallas/Fort Worth Area

Responsible for delivering Consumer Card programs and oversee technical architecture and design.Highlights :1. Transformation project 2. Global Team using Agile methodologies.3. As a product owner, responsible for laying technical strategies, project timeline, estimation and resource planning

Dallas/Fort Worth Area

Responsible for leading technical Architecture, Design and Development for Airport Automation projects. Involved in release management of self service check-in and curbside machines. Managed run team for periodic releases.Delivered: 1. American Airlines Self Service Check-in Machine - Enhancements2. Curbside Check-in System ( Application and Infrastructure)3. 3D Boarding PASS and BagTag enhancements.

Post Graduate Program In Artificial Intelligence And Machine Learning

Certificate Program In Blockchain Essentials, Information Technology

Bachelor Of Engineering - Be, Computer Engineering