Vikas Karulkar
Senior Consultant @IBM
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WORK HISTORY
Senior Consultant @IBM
Toronto, ON, CA
Supporting financial institutions and enterprise clients in transforming their payment operations, corporate payment networks, and treasury workflows.Supporting Business Process Operations across payment initiation, validation, enrichment, routing, reconciliation, sanctions/AML screening, and liquidity/Fx processes.Collaborating with cross-functional teams to deliver future-ready payment architectures that improve speed, accuracy, and customer experience.
EDUCATION
University of Waterloo
Certificate, Business Essentials
Columbia Business School
Professional Education, Digital Strategies for Business Transformation
University of Virginia
Certificate, Business Strategy Specialization
INDIAN SCHOOL OF BUSINESS MANAGEMENT AND ADMINISTRATION
MBA, Marketing Management & Project Management
Government Polytechnic Rajkot
Diploma, Mechanical Engineering
ABOUT VIKAS KARULKAR
As a Senior Consultant at IBM Payment Center, I bring a unique blend of sales leadership, digital transformation knowledge, and process consulting experience to IBM Payment Center\'s expertise in modernizing & transforming clients\' payment ecosystems, strengthening operational resilience, and unlocking new efficiencies across treasury, banking, and financial operations.With 15+ years of global experience spanning sales, business development, process optimization, and automation, I have built a career around understanding complex business problems and translating them into scalable, technology-enabled solutions. My consultative, discovery-driven approach allows me to assess end-to-end business workflows, identify operational bottlenecks, and recommend solutions that improve speed, accuracy, compliance, and customer outcomes.Earlier in my career, I led large-scale, strategic B2B sales initiatives, managing multimillion-dollar accounts and negotiating agreements exceeding $100 million in the North American renewable energy sector. This foundation built my strengths in stakeholder management, problem-solving, strategic planning, and building long-term client relationships.If you are exploring improvements in payments, treasury operations, automation, or enterprise-wide efficiency, I welcome the opportunity to connect.
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