Vijaykumar Harakuni

About Vijaykumar Harakuni

Accomplished Payment Architect and Product Owner and SAFe certified professional with 15 years of expertise in Banking & Payments Agile Product Delivery- Specialized in orchestrating seamless transitions and optimizing payment systems, showcasing proficiency in diverse payment schemes, including ISO 20022, MT messages, SWIFT Cross Border, SEPA, Debi check, and various payment types such as SEPA Credit Transfers, Direct Debits, Cross-Border Payments, Investigations, Returns, Debit and Credit Confirmations, and Statement Messages- Successfully managed complex projects covering 57 countries, demonstrating leadership in diverse and cross-functional teams- Key role as a Payment Consultant at Wipro UK, implementing events-based architecture for a new payment infrastructure in the UK, with a focus on SEPA, Cross-Border Payments, and a range of payment types- UK Domestic Payments covering Faster Payments, CHAPS Implementation and BACS - Proficiently handled API-based solutions, collaborated with cross-functional teams, and ensured compliance with regulatory requirements- Senior Manager at Capgemini, leading the MT-MX migration for CBPR+ scheme at HSBC, overseeing a diverse team across multiple countries, and managing payment types including SEPA, Investigations, Returns, Debit and Credit Confirmations, and Statements- Technical proficiency includes AWS Cloud, IBM Cloud, API-based orchestration layers, Payment Engines like GPP, FIS-OPF, and Temenos TPH, and a deep understanding of various payment types and reconciliation processes- Payment Gateway Form3,Dixio and SWIFT Alliance Cloud - Extensive background in Banking, contributing to projects for renowned institutions, including Lloyds Banking Group, HSBC, Nordea, and Standard Bank of South Africa- Recognized with awards for outstanding performance, revenue management, and team excellence, attesting to leadership in the banking and payments industry- Holds certifications including SAFe POPM, CSPO, SSM, and CSM, underscoring a commitment to agile methodologies and continuous improvement- Passionate about driving innovation in payment technologies, eager to contribute extensive expertise to collaborative and forward-thinking teams.

Experience

1. Management Consultant -payments

   Wipro

   Mar 2023 — Present

   Collaborated with Business Architects and stakeholders to prioritize business objectives, translating complex requirements into actionable user stories and aligned technical solutions.Directed end-to-end delivery of UK Domestic Payments under NPA, processing 20% of national payment volume with seamless adoption.Managed Agile PODs (24-member team), implementing Faster Payments for Head Office Collection Accounts, Mortgage Accounts, and Credit Card Collections, ensuring on-time delivery and operational efficiency.Defined and integrated ML use cases for dynamic payment routing, enabling Predictive Sanction Checks, Customer Segmentation & ISO 20022 data monetization.Leveraged Python, Pandas, NumPy, Matplotlib, SVM, Random Forest, Bagging Classifier, Apriori, and KMeans for payment analytics, process optimization, and customer clustering.Spearheaded ISO 20022 implementation, SWIFT Gateway integration, and FX product feasibility studies, defining end-to-end design, message mapping (MT to MX), and functional architecture.Ensured regulatory compliance (AML, OFAC, FATF) across domestic and cross-border payments, supporting UAT, integration testing, and stakeholder reporting.

Education

• Shri Dharmasthala Manjunatheshwara College of Engg and Technology

  Bachelor of Engineering (BE), Electrical, Electronic and Communications Engineering Technology/Technician

  2004 — 2008

Skills

• Windows
• Sap Testing
• Manual Testing
• Xml
• Hp Quality Center
• Iso 20022
• Microsoft Sql Server
• Agile Methodologies
• Business Analysis
• Requirements Analysis
• Sdlc
• Sql
• Web Services
• Banking
• Software Development
• Payment Systems
• Sap Bs
• Global Pay Plus -High Value and Mass Payement
• Software Project Management
• Swift Payments
• Testing