Ramesh Kumar Chugh
Dubai,UAE
Summary
With over 15 years of diverse experience in Banking, Financial, and Card Processing, I am a versatile leader and Subject Matter Expert (SME) skilled in end-to-end solutioning and the delivery of complex Card Payment Issuing and Acquiring projects. My expertise spans multiple facets of the Card Domain, encompassing Issuing-Acquiring, ISO8583 Standards, 3DS, Payment Gateways, Multi-currency wallet systems, Dynamic Currency Conversion, APIs, Tokenization, Digital Wallets, QR code payments, and channels like POS, ATM, E-Comm, IVR.
- Successfully implemented mission-critical projects on a global scale.
- Played a key role as a Payment and Solution Expert, leading product roadmaps and designs.
- Managed large projects comprising up to 100+ team members and achieved successful implementation of card processing and merchant acquiring for 15+ large banks globally.
- Architect and designed Card Network ISO8583 interfaces, Digital payment solutions, core payment processing platforms from scratch.
- Mentored team members, product personnel, and engineers, empowering them to excel in their payment knowledge.
- Proficient in PCI Guidelines, PA-DSS Norms, and PCI audits.
- Accomplished in HSM (Thales Payshield 9000) Key Management and encryption techniques.
Overview
16
16
years of professional experience
8
8
years of post-secondary education
Work history
Director, Solution Architecture Payments
Zeta FZ-LLC DMCC
Dubai, UAE
02.2021 - Current
Zeta Suite is committed to making payments invisible and seamless, enabling banks, financial institutions, and fintech companies to offer quick, easy, and secure payment processing and banking services to their customers.
- Building a team of Solution Architects from scratch, growing it to 20+ members.
- Designing and rolling out solutions including VISA and MasterCard DMS processing, Offline CVM, Tokenization, Push Provisioning, QR Code payments, and ISO8583 APIs.
- Leading research, analysis, requirement gathering, solution design, documentation, technology selection, and implementation.
- Providing consultancy for Customers, Product, Business, and engineering teams.
Tech Lead
Network International
Dubai, UAE
12.2018 - 01.2021
- Provided business and functional solutions for client requirements.
- Played a key role in implementing Projects and Scheme Mandates in Way4 Issuing System.
- Conducted risk assessments and ensured business continuity.
- Managed consultancies related to Authorization areas, Way4, B24, and integrated applications.
- Led a team of Implementation Specialists, supported issuing projects, release regressions, card compliance and card network management and testing.
Senior Solution Consultant
Wirecard
Dubai, UAE
04.2016 - 11.2018
- Led major projects of Prepaid Card Issuing and migration leading a team of up to 70 team members.
- Provided technical and functional consultancy to customers, product, development, and project implementation teams.
- Managed vendor relationships for knowledge transfer.
- Participated in project planning and gained leadership support.
- Achieved key milestones, including the migration of large banks and integration of payment gateways.
Senior Programmer Analyst - Payment SME
TSYS
Noida, India
03.2011 - 03.2016
Successfully executed a diverse range of issuing and acquiring projects, encompassing both small-scale initiatives and large-scale endeavors, which included greenfield implementations as well as migration projects.
Application Manager
Wipro Infotech
Noida, India
07.2010 - 03.2011
Linux Developer
Infosys (Contractor)
Chandigarh, India
11.2009 - 07.2010
Application Manager
Genpact
Hyderabad, India
01.2008 - 02.2009
Education
Bachelor of Engineering - Electronics & Communication
Govt. Engineering College Bikaner
Bikaner Rajasthan India 07.2003 - 06.2007
Secondary and High Secondary - Non Medical
Bhopal Wala Arya Sr. Sec. School
Sri-Ganganagar (Rajasthan) India 04.1998 - 03.2002
Skills
Card and Payment Business
Issuing and Acquiring
Delivery Services
Solution Architect and Designing
Project Leadership
Payment Domain SME
Business Solution Consultancy
Vendor and Defect Management
Proficient at Client Retention
Languages
English
Proficient (C2)
Hindi
Proficient (C2)
Timeline
Director, Solution Architecture Payments
Zeta FZ-LLC DMCC
02.2021 - Current
Tech Lead
Network International
12.2018 - 01.2021
Senior Solution Consultant
Wirecard
04.2016 - 11.2018
Senior Programmer Analyst - Payment SME
TSYS
03.2011 - 03.2016
Application Manager
Wipro Infotech
07.2010 - 03.2011
Linux Developer
Infosys (Contractor)
11.2009 - 07.2010
Application Manager
Genpact
01.2008 - 02.2009
Bachelor of Engineering - Electronics & Communication
Govt. Engineering College Bikaner
07.2003 - 06.2007
Secondary and High Secondary - Non Medical
Bhopal Wala Arya Sr. Sec. School
04.1998 - 03.2002
YouTube Channel
- Founder and host of "The Domain Podium," a FinTech YouTube channel dedicated to sharing knowledge and insights on payment technologies, card security, financial services, and broader industry-related topics.
- Passionate about educating and empowering viewers through informative tutorials and discussions on payment-related topics.
- Recognized for providing valuable information to payment enthusiasts, professionals, and the general audience.
YouTube Channel
- Founder and host of "The Domain Podium," a FinTech YouTube channel dedicated to sharing knowledge and insights on payment technologies, card security, financial services, and broader industry-related topics.
- Passionate about educating and empowering viewers through informative tutorials and discussions on payment-related topics.
- Recognized for providing valuable information to payment enthusiasts, professionals, and the general audience.
YouTube Channel
- Founder and host of "The Domain Podium," a FinTech YouTube channel dedicated to sharing knowledge and insights on payment technologies, card security, financial services, and broader industry-related topics.
- Passionate about educating and empowering viewers through informative tutorials and discussions on payment-related topics.
- Recognized for providing valuable information to payment enthusiasts, professionals, and the general audience.
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