Abhishek Kumar

About Abhishek Kumar

I build products that power safe, seamless payments for millions of users worldwide. With over 10 years of experience across FinTech and banking, including American Express, Goldman Sachs, and Pegasystems, I have developed deep expertise in payments, fraud, and dispute platforms, delivering solutions that connect technology, risk, and compliance in meaningful ways.At American Express, I lead product strategy and solution design for Cards and Payments. I am currently driving the transition of debit cards to single-message rail, improving transaction success and reducing settlement delays. I also manage the global fraud and dispute management platform, enabling customer and contact center workflows, and have developed a GenAI assistant that accelerates case investigations. My work involves close collaboration with Engineering, Risk, Finance, and Compliance teams to create tools and systems that improve operational visibility and decision-making.Over the years, I have built multiple 0→1 payments products, integrating ISO 8583 and ISO 20022 protocols, while ensuring compliance with Reg E, Reg Z, and network regulations. I focus on creating systems that make complex payments, fraud, and dispute processes reliable, transparent, and user-friendly.Key Highlights:Payments & Cards Expertise: Card Issuance, Authorization, Clearing & Settlement, ISO 8583 / ISO 20022, Payment Networks (Visa, Mastercard, AMEX), UPI, RTP, ACH, Digital WalletsFraud & Compliance: Fraud Detection & Prevention, Dispute Management, AML/KYC, Reg E, Reg Z, Data PrivacyProduct & Technical Leadership: Product Strategy, Roadmapping, API Design, Data-Driven Decisions, Stakeholder ManagementDevelopment & Integration: Java, Spring Boot, Python, Pega, SQL/NoSQL, Kafka, REST APIs, Microservices, BigQuery, Databricks, AWS, AI/ML & GenAII am passionate about building payments infrastructure that is secure, efficient, and customer-focused. I enjoy exploring new technologies and creating solutions that transform how people experience financial services.

Experience

1. Senior Manager - Product Management Solutions Architect

   American Express

   Sep 2024 — Present · Gurugram, IN

   As Senior Manager - Digital Product Solution at American Express, I am leading product strategy and solution design for Cards and Payments, focusing on debit and credit card systems, fraud and dispute management platforms, and GenAI-driven customer servicing tools, connecting technology, risk, compliance, and operations seamlessly.Managing multi-stakeholder engagements across Engineering, Finance, Risk, Legal, Compliance, and UX teams to define product roadmaps, optimize payment rails, and enhance fraud detection and dispute resolution, ensuring high visibility and operational efficiency for AMEX systems globally.Transitioned AMEX debit cards to single-message rail, improving transaction success by 15% and reducing settlement latency by 40%.Designed global fraud and dispute platform used by customers and contact center agents, integrating ledger, network, and payment processor systems.Built a GenAI assistant for case summarization, reducing investigation time and improving agent productivity.Created BigQuery-based data pipelines to centralize transaction and dispute data, improving real-time analytics for decision-makers.Enhanced visibility of fraud patterns via dashboards, enabling faster resolution and reduced operational friction.Cards & Payments, Fraud & Dispute Management, ISO 8583, ISO 20022, GenAI Integration, Data Pipelines, BigQuery, API Design

Education

• Dayanada Sagar College of Engineering

  Bachelor of Engineering - BE, Electronics and Communications Engineering

• IIIT Hyderabad

  Master of Technology - MTech, Product Design and Management