Sandeep Kadam

About Sandeep Kadam

Enterprise & Domain Architect with 19+ years across Banking and Payments, specializing in Merchant Acquiring, Cards, and Operational Risk. Expert in domain-driven design capability mapping, target-state architecture, and modernization of high-scale payment platforms. Proven leader aligning technology roadmaps to merchant and payments business outcomes, driving API-first, and event-driven patterns, ISO-8583/ISO20022 messaging with strong governance, security, and compliance (PCI-DSS, EMVCo, 3DS/SCA).Dynamic and results-driven Technical Delivery Leader with extensive experience architecting enterprise solutions, leading complex digital transformation programs, and driving endtoend delivery excellence. Proven ability to grow account footprint through strategic business development, proactive mining activities, and identification of new revenue opportunities. Recognized for building trusted executive level relationships and serving as a strategic partner to clients by deeply understanding business goals and translating them into scalable, high impact technology initiatives.A collaborative and motivational people leader with a strong track record of managing crossfunctional global teams, optimizing delivery performance, and fostering a culture of innovation, accountability, and continuous improvement. Adept at managing large portfolios, ensuring delivery predictability, and aligning technical roadmaps with longterm business strategy. Known for driving measurable outcomes, elevating customer satisfaction, and expanding organizational presence within key accounts through strategic engagement, solution evangelism, and value based consulting.

Experience

1. Associate Director of Information Technology

   Synechron

   Mar 2021 — Present · Charlotte, NC, US

   Co-owned enterprise target-state architecture for Merchant Acquiring & Payments spanning authorization, routing, settlement, onboarding, risk/fraud, disputes, and reporting.• Develop endtoend architecture for payment processing, merchant acquiring, settlement, and authorization systems.• Partner with product, engineering, compliance, and risk teams to define scalable and compliant payment solutions.• Modernize legacy payment platforms using cloud, microservices, APIs, and eventdriven architectures.• Ensure alignment with enterprise architecture standards, security frameworks, and regulatory mandates (PCIDSS, NACHA, FFIEC).• Lead architecture reviews, create solution blueprints, and guide engineering teams through implementation.• Integrate with external payment networks (Visa, Mastercard, AmEx, Zelle, RTP, FedNow) and merchant platforms.• Optimize performance, resiliency, and throughput for highvolume transaction systems.• Support merchant onboarding, tokenization, fraud prevention, and dispute management capabilities.• Defined multi-year modernization roadmaps; championed API-first and event-driven (Kafka) architectures for real-time processing and interoperability.• Architected high-availability, low-latency payment flows supporting 24x7 processing and peak-season volumes; implemented active-active DR and regional failover.• Led integrations with card networks (Visa, Mastercard, Amex, Discover) and third-party gateways/processors; standardized canonical payment events (auth, clearing, settlement).• Drove security and compliance by design: PCI-DSS, EMVCo, 3DS/SCA, tokenization, encryption, certificate rotation, and data minimization.• Architected merchant onboarding, underwriting (KYC/KYB), pricing, funding, and reserve models; enabled end-to-end servicing and disputes.• Instituted architecture guardrails, reference patterns, and review boards; mentored architects/engineers in EDA, and cloud-native best practices.

Education

• DYPCOE University of Pune

  Bachelor of Engineering - BE, Electronics & Telecommunications

  2004 — 2007

Skills

• Payment Systems
• Integration
• Shell Scripting
• Software Development
• Etl
• Unix
• Data Modeling
• Database Design
• Payment Card Processing
• Data Migration
• Oracle
• Requirements Analysis
• Sql
• Requirements Gathering
• Databases
• Electronic Payment Processing
• Testing
• Transaction Processing
• Agile Methodologies
• Business Analysis
• Business Requirements
• Gift Cards
• Pl/Sql
• Sdlc
• Software Project Management