I run branch-wide banking operations and governance at ICICI Bank Singapore — retail, corporate, trade finance, treasury and wealth — and I write about the questions reshaping the industry: payments modernisation, trade finance, compliance and artificial intelligence in regulated operations.
Transformation that strengthens control instead of trading it away. Each discipline below is a body of operational work — and a body of writing.
Led the MEPS+ migration to the new messaging standard as a first-wave bank in Singapore — no client disruption and materially faster payment processing — across MEPS+, SWIFT MX and gpi, FAST, GIRO and correspondent banking.
Letters of credit, guarantees, documentary collections and discounting at branch scale, with a core contribution to the ABS Trade Finance Registry — and a writing desk that covers everything from LC workflows to Islamic trade funding.
KYC/AML operations, sanctions and screening governance, MAS 610/643A reporting, FATCA and CRS embedded into daily workflows — the operational machinery behind a sustained record of clean regulatory outcomes.
Bank representative on the MAS MindForge AI Governance Taskforce; ISB Leadership in AI graduate; a target operating model built on RPA and machine learning that cut turnaround times materially while tightening controls.
Long-form thinking on LinkedIn and Substack — written for practitioners, and read by the people who hire them.
How Murabaha and Tawarruq fund complete trade cycles under Shariah principles — essential reading for anyone operating trade finance across the GCC.
Read the article →Digitisation preserves yesterday's workflow; redesign questions it. On AI, payments modernisation and geopolitical risk in cross-border payments.
Read the article →From DeepTrailblazer on Substack: how domestic payment rails are quietly rewiring the global financial system — and what payments look like in 1,000 days.
Read the essay →Branch-wide operations and governance under MAS supervision: payments, trade, lending, wealth and controls — including the first-wave MEPS+ migration with no client disruption.
Built and led the International Operations Centre — one hub serving markets across four continents, with a Centre of Excellence that lifted productivity substantially.
Wealth operations and cross-border payments with registrars, custodians and fund houses — and the operational-risk framework (RCSA, KRIs, FATCA, CRS, AML/CFT) embedded into daily work.
Part of the team that conceptualised Money2India and designed its operations end to end — screening, routing, reconciliation, payout — under FATF, RBI and MAS standards.
My Substack: essays on AI, banking evolution, payments and regulatory navigation — the same desk as this site, in longer form and in your inbox.