Global Payments Engineering

E2E Delivery | Product Management, Strategy, Data, AI, AML, Fraud, Performance and Compliance

Author: SP Sankar

  • Alloy | Full-lifecycle identity & fraud intelligence for Payments

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    SP Sankar
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    Every digital banking customer expects seamless onboarding and instant payments. But behind that speed, banks and fintechs are locked in a relentless battle against KYC, AML, sanctions, and fraud. That’s the chasm Alloy was built to bridge. We provide an identity and fraud prevention platform that doesn’t just check boxes at onboarding, but continuously evaluates…

  • Seamless and secure customer onboarding | Fintech

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    Balancing a fast, frictionless user experience with strict regulatory compliance is the central challenge of digital customer onboarding in fintech. Achieving both requires automated workflows that minimize user effort while maximizing fraud detection behind the scenes. Customer enters basic information ==> Data is validated automatically ==> Identity is verified ==> Risk is assessed ==> Low-risk…

  • ISO 20022 Address Changes: Preparing for the November 2026 

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    The payments industry is approaching another important milestone in the ISO 20022 transformation. From 16 November 2026, fully unstructured postal addresses will no longer be accepted in CBPR+ payment messages. Where postal addresses are required, organizations will need to provide them using either a fully structured or hybrid format. Swift states that non-compliant CBPR+ messages…

  • 5 Ways to Build Strong Cross-Functional Global Teams

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    SP Sankar
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    Cross-functional partnership: “Known challenges”     “Cross-functional collaboration should not mean more meetings—it should mean faster decisions with the right people involved.” Identify Stakeholders: Determine who needs to be involved across Product, Engineering, Business, Compliance, Operations, and other teams. Define Roles & Ownership: Establish clear responsibilities, owners, and accountability for each workstream. Resource Planning: Align…

  • AI in the Creditcard Fraud

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    AI systems analyze transactions in real-time to detect suspicious patterns, such as unusual spending, location, or timing. These systems use: ML Models Machine learning has transformed how we solve complex problems, from predicting stock prices to detecting fraud. Among the vast array of algorithms, Random Forest and XGBoost have emerged as two of the most…

  • Why MT to MX ?

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    SP Sankar
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    This is a strategic move during AI movement,. MT moves money (SWIFIT Messages such as MT101, MT102,….)  and MT can’t supports advanced technologies , Analytics and more expensive for each transactions.   MX moves money + data + intelligence. (ISO format for globally recognized standard by financial companies / Banks ) and AI-driven monitoring for Fraud…

  • How rigorously are your AI models really trained for payment-world scenarios?

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    Many banks claim “AI-powered,” but the depth and quality of training data often get overlooked. What specific challenges have you faced in ensuring your models are truly robust? Recently, Larry Ellison said AI models reach their peak value when trained on private data. In Payment Engineering, this isn’t just true — it’s critical. Public AI…

  • Agile Scrum vs AI Movement

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    My team spent 6 months building an AI feature that failed. Here’s why our Agile process was broken, and how we fixed it with 10 brutal lessons Stop trying to ‘Agile’ your AI. Here are 7 reasons why it’s breaking your projects. I’ve spent years battling the square peg of Agile with the round hole…

  • Executive Order 14247

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    Imagine a future where government checks are a relic of the past. That future is nearer than you think, thanks to a mandate quietly reshaping how America’s money moves. Executive Order 14247 officially pulls the plug on paper checks for federal payments by September 30, 2025. This isn’t just bureaucracy; it’s a massive shift to…

  • AI(API) First , UI Next

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    These three words will define old tech strategy. But do you really know what they mean? Recently, a client asked me to unpack the phrase: ‘Shift Left, AI First, UI Next.’ It sounds like jargon, but it’s a blueprint for building future-proof products. Here’s what it truly means – and why ignoring it will cost you:…