Thangarangan MS
Austin,US
Summary
Senior Technical Product Owner with 18+ years of deep expertise in banking platforms, core modernization, digital onboarding, and real-time payments, delivering AI-enabled products across legacy and modern ecosystems. Proven leader in owning product strategy, roadmaps, and backlogs for multi-million-dollar initiatives, achieving 30% productivity gains and 40% ROI through intelligent automation, API-first architectures, and GenAI-assisted decisioning. Strong background in Signature Core (Fiserv), Q2 Digital Banking, ACH/NACHA, fraud controls, IAM, fintech integrations, and financial GL automation, with a consistent record of aligning product delivery to regulatory, scalability, and customer experience goals. Experienced in advisor- and client-centric platform products, driving roadmap decisions through customer feedback, usage analytics, and business KPIs. Proven partner to senior leadership, translating strategy into measurable outcomes across wealth, banking, and financial services platforms.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Sr Technical Product Owner
Texas Capital Bank
02.2022 - 01.2026
- Product Owner for enterprise digital banking at a $40B+ asset bank, leading core modernization, digital channel enhancements, and fintech integrations across Signature Core (Fiserv) and Q2 Digital Banking ecosystems.
- Owned Led modernization initiatives integrating mainframe-backed core banking systems with cloud-native APIs, supporting batch processing, transaction consistency, reconciliation, and regulatory reporting.
- Partnered with engineering and core banking teams to translate COBOL/JCL-driven legacy workflows into API-first, cloud-enabled product capabilities.
- Delivered AI-enabled digital onboarding and identity verification integrating Alloy, Plaid, QualiFile, FIS E-Access, and Actimize, strengthening fraud controls, regulatory compliance, and operational efficiency.
- Designed and deployed an in-house GenAI (RAG-based) solution and implemented real-time fraud controls for ACH and Zelle using Q2 SDK and Signature Core APIs, improving decision support and payment risk management.
- Led end-to-end ACH/NACHA integrations, automated exception handling, and built API orchestration supporting Zelle, Card Hub, Plaid, Alloy, and AAdvantage, reducing ACH exception volume by 30%.
- Delivered Bill Pay integration, automated fee-to-GL mappings (ACH return fees, NSF, subscriptions), and implemented AI-informed monitoring using Datadog, Power BI, and Tableau, improving financial accuracy, reliability, and operational resilience.
- Oversaw entire product deployments from vision and creation to rollout and delivery.
- Owned and prioritized product backlog.
Project Delivery Manager
FLEETCOR Technologies, INC
02.2017 - 01.2022
- Led delivery and product support for unattended fuel-site Merchant POS platforms including SMARTSITE GX, FX, and SmartEdge, enabling secure, high-volume fleet fueling transactions.
- Owned requirements and delivery coordination for real-time pricing, cloud storage, and web-based reporting across distributed merchant sites. Authored BRDs, epics, user stories, process flows, data mappings, and coordinated UAT and test planning with engineering and QA teams.
- Partnered with business leaders and SAP functional teams to translate complex operational requirements into functional and technical specifications. Extracted, analyzed, and validated large datasets using SQL, supporting reporting accuracy and data-driven decision-making.
Lead Business Analyst
HEXWARE TECHNOLOGIES LTD
09.2015 - 02.2017
Functional Analyst
ORACLE FINANCIAL SERVICES SOFTWARE LTD
12.2007 - 09.2015
Process Analyst
COVANSYS CORPORATION
05.2007 - 11.2007
Education
Master of Science - Applied Electronics
Satyabhama University
03-2005
Bachelors of Engineering - ECE
Anna University
04-2001
Skills
- Product Ownership & Delivery: Product vision, roadmaps, OKRs, backlog ownership, prioritization, stakeholder alignment, Agile/Scrum, SAFE, PI planning, Release management
- Banking & Core Platforms: Signature Core (Fiserv), Q2 Central & SDK, FLEXCUBE, Finxact, Thought Machine, cloud-native & API-first architectures
- Payments & Financial Integrations: ACH/NACHA, Zelle, instant payments, Bill Pay, Card Hub, Alacriti, FIS E-Access, settlement & reconciliation
- Regulatory, Licensing & Compliance: License lifecycle management, regulatory compliance, policy analysis, audit readiness, governance
- Identity, Fraud & Risk: KYC/AML, IAM (Okta, SailPoint), Alloy, Plaid, QualiFile, Actimize, RSA Archer
- AI, Data & APIs: AI-enabled workflows, GenAI (RAG), REST APIs, JSON/XML, SQL, Postman, data validation & integration testing
- Cloud, DevOps & Analytics: AWS, Azure, Kubernetes, Docker, Azure DevOps, Jira, Datadog, Power BI, Tableau
- Problem resolutions
- Scrum expertise
Certification
- Certified Professional Scrum Product Owner (PSPO I) by Scrum.org
- Certified AI Product Management (Coursera)
- Certified Scrum Product Owner (CSPO) – Planned
- Project Management (Internal)
- Leasing Analyst (DL)
THOUGHT LEADERSHIP & PUBLICATIONS
- Developed internal documentation supporting financing, lending, and leasing concepts and workflows
- Authored and published few AI-focused books, which is available on Amazon and other major online platforms.
- References from managers, clients, and professional contacts are available upon request.
Timeline
Sr Technical Product Owner
Texas Capital Bank
02.2022 - 01.2026
Project Delivery Manager
FLEETCOR Technologies, INC
02.2017 - 01.2022
Lead Business Analyst
HEXWARE TECHNOLOGIES LTD
09.2015 - 02.2017
Functional Analyst
ORACLE FINANCIAL SERVICES SOFTWARE LTD
12.2007 - 09.2015
Process Analyst
COVANSYS CORPORATION
05.2007 - 11.2007
Master of Science - Applied Electronics
Satyabhama University
Bachelors of Engineering - ECE
Anna University