Zafar provided thought leadership and consulting services on Digital Transformation, Agile Development and Product Management. 0-1 Product Development: Scaled teams from the ground up and Products from proof of concept to commercial launch for the Series A funded Cloud-native, AI-enabled, SaaS Banking platform.• Designed and Launched Flagship Products across Data Management, Analytics and Fraud / AML. • Grew Product and Design function, implemented model for Agile delivery and release management, defined integrated roadmap and ensured alignment across Technology, Sales, Solutions and Marketing. Digital Transformation: Advised a Regional Bank on Digital Transformation of their Wealth Management business. Agile Transformation: Consulted a large Global Bank on Best Practices and Frameworks for Product Management in a newly established Agile environment: including Product Vision, Prioritization, Road Mapping and Release Management, Stakeholder Management and Organizational Design and Structure.Product Strategy: Supporting a global data company on expanding their business from Services to a SaaS model including Problem-Solution fit, Product-Market fit and Go-to-Market strategy.

Zafar led teams responsible for Digital Strategy, Product Development and Digital Transformation of the wealth management business for Capital One Investing. He built out teams of digital product managers, designers, analysts and engineers, in a new autonomous Agile “squad” based operating model, that were accountable for the Digital Client Experience, Advisor Experience and the modernization of the Sales, Service, Marketing and Operations platforms. His teams successfully delivered a Cloud enabled Digital Wealth Management platform, drove Advisor adoption and engagement, and introduced several innovations that digitally transformed the Financial Planning Experience and the Advisor / Client interaction model.Prior to joining the Investing business, Zafar was an early member of Capital One’s Digital team recruited to build a nimble and fast-moving team to drive innovation across the Retail Bank’s distribution channels by designing, testing and building new experiences using Design Thinking, Lean Startup and Agile principles. He successfully bootstrapped and launched CashTapp, a patented mobile app that digitally re-imagined the ATM experience.

Chair of Strategic Planning Committee and former Board Chair (2013-2015).

Zafar led Product Development and Customer Experience across the Digital and Call Center channels. He architected an omni channel servicing strategy and led teams that built a suite of digital self-service products and modernized the contact center technology platforms, driving a 40% reduction in servicing costs while increasing client satisfaction and reducing attrition.Prior to this, Zafar was responsible for creating an integrated experience across bank and brokerage sites and led a cross functional team for the integration and on-boarding of customers for a $1.6 billion acquisition.

Developed strategy and roadmap for roll out of mobile payments start-up by Citibank Singapore.

Defined cross-channel customer experience for maxblue, a startup online bank and brokerage in Brazil. Managed vendor selection process for online banking software, middleware and design agency choice. Developed requirements and business processes for all customer-facing activities ensuring a consistent customer experience across web site, call centers and financial centers.

Managed business process and technology teams responsible for the implementation of deposit products for Citi f/i, a start-up online bank by Citibank and one of Citibank’s initial foray into online banking which was eventually rolled into citibank.com.