Pallav Pokhriyal

Project Overview:

As a Technical Architect via TCS for ING during January 2023 to December 2023, led a team in a transformative project. The focus was on integrating SWIFT payments with the Merchant Payment System (MPS), aimed at revolutionizing ING's service offerings by enhancing payment processes and customer satisfaction.

Business Requirements:

Explored specific challenges within ING's service framework, emphasizing the critical need for real-time SWIFT payments, automated reconciliation, and centralized management. Demonstrated how integrating SWIFT payments with MPS aligned with ING's vision to deliver seamless, secure, and customer-centric financial services, adhering to CBPR and HVCS standards.

Technical Architecture:

Developed a comprehensive technical blueprint, outlining the requisite components for integrating SWIFT payments with MPS. Detailed the utilization of APIs, encryption protocols, and database structures to ensure secure communication and data integrity, focusing on the message formats PACS.002, PACS.004, and PACS.008.

Integration Strategy:

Crafted a systematic integration plan, highlighting the pivotal role of APIs in bridging SWIFT payment systems with MPS. Emphasized the need for cohesive communication channels to facilitate real-time payment authorization and automated reconciliation, adhering to CBPR and HVCS standards.

Payment Process Flow:

Visualized and delineated the end-to-end payment process, providing a detailed outline from agreement creation to SWIFT payment authorization and subsequent reconciliation using PACS.002, PACS.004, and PACS.008 message formats. Offered clear insights into each stage's interaction within the integrated systems.

Security Measures:

Outlined stringent security measures implemented to safeguard sensitive financial and customer data during SWIFT payment integration. Ensured compliance with industry standards (e.g., CBPR, HVCS), implementing robust encryption protocols and data integrity checks.

Scalability and Flexibility:

Focused on designing a scalable system to accommodate future growth, ensuring adaptability to evolving SWIFT payment standards and technological advancements. Ensured the proposed solution's seamless evolution in alignment with ING's expanding requirements.

Risk Mitigation:

Identified potential risks associated with SWIFT payment integration and presented proactive mitigation strategies. Established contingency plans to address unforeseen challenges during the implementation or operational phases, adhering to CBPR and HVCS guidelines.

Benefits and ROI:

Outlined the anticipated benefits of integrating SWIFT payments, including elevated customer experiences, heightened operational efficiency, and potential cost savings. Presented a calculated projection of the return on investment (ROI) for ING.

Implementation Plan:

Outlined a structured implementation roadmap with key milestones, phases, and dependencies specifically tailored within the January 2023 to December 2023 duration. Ensured a clear and time-bound execution plan, adhering to CBPR and HVCS standards.

Project Overview:

As a Technical Architect via Peoplebank at CBA in Sydney, led a team of 5 professionals in a project spanning from February 2021 to January 2022. The project focused on integrating the New Payments Platform (NPP) with the Merchant Payment System (MPS), aiming to optimize subscription-based services by streamlining payment processes and enhancing customer experiences.

Business Requirements:

Outlined specific challenges within CBA's subscription services, emphasizing the need for real-time payment capabilities, automated reconciliation, and centralized management. Demonstrated how integrating NPP payments with MPS aligned with the bank's strategy to provide efficient, secure, and customer-centric financial services.

Technical Architecture:

Developed a comprehensive technical infrastructure plan, delineating components required for integrating NPP payments with MPS. Detailed the utilization of APIs, security protocols, and database structures to facilitate seamless communication and data integrity.

Integration Strategy:

Defined a systematic approach for the integration, highlighting the role of APIs in linking diverse systems. Emphasized the need for coherent communication channels to ensure real-time payment authorization and automated reconciliation.

Payment Process Flow:

Visualized and explained the end-to-end payment process, detailing the flow from agreement creation to payment authorization and subsequent reconciliation. Provided clear insights into each step and its interaction within the integrated systems.

Security Measures:

Outlined robust security protocols implemented to safeguard sensitive financial and customer data. Demonstrated compliance with industry standards (e.g., GDPR, PCI-DSS) and articulated strategies to ensure data protection throughout the integration process.

Scalability and Flexibility:

Focused on the system's scalability to accommodate future growth, outlining its adaptability to changing payment landscapes and technological advancements. Ensured that the proposed solution could evolve in tandem with CBA's expanding requirements.

Risk Mitigation:

Identified potential risks associated with integration and presented proactive strategies to mitigate them. Established contingency plans to address unforeseen challenges during implementation or operation.

Benefits and ROI:

Articulated the anticipated benefits of the integration, including enhanced customer experiences, improved operational efficiency, and potential cost savings. Presented a calculated projection of the return on investment (ROI) for the bank.

As a Technical Lead at Infosys for Westpac, spearheaded a pivotal project centered on enhancing the Load Origination System. This initiative aimed to optimize loan origination processes, ensuring efficiency and an improved customer experience within Westpacs lending services.

Led the exploration and identification of challenges within Westpacs loan origination process. Prioritized streamlined workflows, improved decision-making, and enhanced customer interactions. Demonstrated how Load Origination System enhancement aligned with Westpacs objective to provide efficient and customer-centric lending solutions.

Led the design and refinement of the Load Origination System's technical architecture. Defined system components, API integrations, data models, and user interfaces to establish a robust and user-friendly platform for loan origination processes.

Devised and executed a seamless integration strategy, ensuring cohesive connections between various modules within the Load Origination System. Emphasized unified data flow and integration with internal and external systems for efficient loan processing.

Guided the enhancement of loan origination workflows within the system. Optimized processes for loan application submission, verification, underwriting, approval, and disbursement, reducing turnaround times and enhancing customer satisfaction.

Led the implementation of stringent security measures to safeguard sensitive borrower information and financial data within the Load Origination System. Ensured compliance with industry regulations (e.g., GDPR, banking standards) to protect data integrity.

Focused on leading the design of a scalable and flexible system, ensuring the Load Origination System could adapt to increased loan volumes and evolving lending practices and regulations within the banking industry.

Identified potential risks associated with system upgrades and enhancements. Devised and implemented strategies to mitigate risks, ensuring minimal disruption to ongoing loan origination operations during implementation.

Outlined the anticipated benefits of Load Origination System enhancement, including reduced processing times, improved decision accuracy, and heightened customer satisfaction. Projected a positive return on investment for Westpac through increased operational efficiency.

Led the development of an implementation roadmap, defining key milestones, phases, and dependencies for the Load Origination System enhancements. Ensured a structured and time-bound execution plan aligned with Westpacs strategic goals and operational timelines.