Angel Nair

• Serve as Chief of Staff to the Head of Operations, acting as a strategic advisor and execution partner across a broad portfolio of priorities.
• Lead the Innovation and Delivery team, driving strategic initiatives focused on process modernization, automation, and improved client experience.
• Direct the Operational Excellence program, delivering measurable improvements in efficiency, risks & controls, and service quality across key operational areas.
• Support executive communications, business planning, organizational design, and governance routines across the Operations function.
• Oversee budget management processes to ensure resource allocation aligned with priorities.

Payment Operations (June 2017 - September 2018)

• Led organization of 60+ associates across two geographic sites, responsible for payments governance and processing ACH and wire transfers in excess of $3.6 trillion annually, in addition to related exception and support functions.
• Established and managed value chain governance for wires, deemed a top risk for the bank. Set standards, processes, and procedures to address existing and emerging risks.
• Drove down payments risk through closure of cyber and process gaps identified in targeted assessments, strengthening of cyber fraud defenses, reduction in wire authority exposure, transforming static PIN wire process, overhauling BCP’s, enhancing controls & monitoring of systems, and securing initiation systems through Multi-Factor Authentication
• Served as product lead for the Payments agile release train, driving business intent for wires and ACH through our technology ecosystem, which included UX improvements, Same Day ACH implementation, transition from legacy to destination systems, and API integration with upstream initiation channels.

Consumer Payment Operations (November 2012 - June 2017)

• Fulfilled over 500 million payments totaling $200 billion and processed over 5 million disbursements worth $2.5 billion annually.
• Managed extended payment operations across 11 vendors with an approximate budget of $30 million.
• Delivered payments strategy for critical business initiatives, including platform conversions and technology modernization.
• Served on Product Council to support agile transformation and established Payments Value Stream with 12 agile teams.
• Conducted remittance vendor analysis, achieving a 15% reduction in mail payment processing costs and enhancing service agreements.
• Led Disbursement Automation & Servicing Hub from ideation to delivery, addressing client demands for rapid and flexible payments.
• Drove groundbreaking application development with AWS East/West resiliency, setting a new standard for commercial technology.

• Fulfilled over 500 million payments totaling $200 billion and processed over 5 million disbursements worth $2.5 billion annually.
• Managed extended payment operations across 11 vendors with an approximate budget of $30 million.
• Delivered payments strategy for critical business initiatives, including platform conversions and technology modernization.
• Served on Product Council to support agile transformation and established Payments Value Stream with 12 agile teams.
• Conducted remittance vendor analysis, achieving a 15% reduction in mail payment processing costs and enhancing service agreements.
• Led Disbursement Automation & Servicing Hub from ideation to delivery, addressing client demands for rapid and flexible payments.
• Drove groundbreaking application development with AWS East/West resiliency, setting a new standard for commercial technology.

• Defined and implemented strategic product plans and roadmaps for E*TRADE’s Cash Products consisting of more than $30B in deposits. Responsible for bank deposit products, including checking, savings, money market, and sweeps, as well as money movement tools (debit card, bill pay, checks, deposits, ACH, wires).

• Delivered strategic initiatives for Global Wealth Management and Banking Operations. Led execution of Project Management Office (PMO) methodologies including the use of tools, processes and procedures. Specific accountability for strategic build-out of retail bank infrastructure.

Sr. Manager, Card Association Management (2007-2008)

• Lead the Card Association Management Program by interacting with Visa, MasterCard, and other payment network contacts to gain insight into potential value-add opportunities, industry trends, obtain access to subject matter expertise and support, deliver on corporate initiatives, and communicate and resolve service issues.
  

Sr. Business Systems Consultant, Business Information Office (2003 - 2006)

• Lead PM/analyst for Visa and MasterCard IT, responsible for the development and delivery of association projects, including biannual releases, and new products and services. Accountable for ensuring products are developed in accordance with association rules and specifications.
  

Systems Analyst, Technology Delivery (2000-2003)

• Performed detailed analysis of MasterCard and Visa requirements to determine impact to corporate environment. Developed requirements and led changes through design and testing activities to implementation