Sriram Ramakrishnan | Fintech & Payments Executive

Career 03

Twenty years, one thread: money moving safely.

Jun 2026 — Present

Citizens Bank

Fintech & Payments Product Executive — Solution Architecture · Phoenix, AZ

Employee ID: N133443 · Position ID: 255000010373

Digital Asset Architecture & Vendor Assessments: Led comprehensive solution architecture evaluations for stablecoin platforms, qualified custody models, and tokenized deposit infrastructures across Paxos, Anchorage, Fireblocks, Stripe (Bridge), and Visa.
Core DDA & Keystone Integration: Spearheaded technical strategies integrating FIS Keystone tokenized deposits directly with internal bank balance sheets for 24/7 atomic book settlement and 100% wire-free clearing.
Institutional Custody & Wallet Policy: Designed enterprise key-custody frameworks, REST API book-transfer connectors, and sub-accounting workflows bridging core DDA ledgers with multi-party computation (MPC) wallets.
Commercial Payout Rails: Architected payment orchestration workflows leveraging FedNow, RTP, and virtual sub-accounts to modernize merchant payouts and eliminate manual fiat wire friction.

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May 2025 — May 2026

Veem Inc.

Lead Platform Product Manager — Cross-Border Payments (Stablecoin) · San Francisco, CA

Associate ID: 2E3G6R13G · Position ID: 9PY000500

Owned the end-to-end USDC/USDT stablecoin rail and fiat corridors (SWIFT, FedWire, FedNow, RTP, ACH) across US, CA, BR, MX, EU & PH — enabling Bitso, Coins PH, Rain, Black Hawk Network & Truist.
Circle, Stripe Bridge, Rain API integrations extending stablecoin coverage across new corridors and settlement rails.
Partnered with Skydo, Stampli, Nium & RazorPay across three new regions via webhook and onboarding integrations.
Drove roadmap for Virtual Bank Accounts, Multi-Currency Wallet, Partner Card Program, and Consumer VBAs with Citi, SVB & Crown Agents Bank.
Governed API lifecycle & versioning; oversaw FX routing, sanctions screening and payout orchestration.

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Apr 2017 — May 2025

PayPal Inc.

Lead Product Manager, Technical — Money Movement & Core Payments · San Jose, CA

Employee ID: 00300023 · Corp ID: sriramakrishnan · QID: Q10225821

Stablecoin & Digital Currencies (USDPT / Paxos): Orchestrated digital asset initiatives and product capabilities in partnership with Paxos; architected stablecoin settlement, mint/burn mechanisms, and reserve backing workflows for next-generation USD digital currency rails.
Core Payments & Real-Time Money Movement: Scaled global payment routing, card-acquiring pipelines, and multi-currency payout infrastructures across 15 international markets delivering 40% YoY transaction growth and $25M+ new revenue.
Embedded Finance & Merchant Acquiring: Launched Hybrid onboarding flow (Managed + Connected Path) onboarding Shopify, Wix, WooCommerce, Intuit, and Meta; scaled Braintree payment gateways across Uber, DoorDash, Lyft, and Airbnb.
Credit, Loans & Lending Infrastructure: Structured buy-now-pay-later (BNPL), revolving credit lines, and PayPal Working Capital SMB lending with Synchrony Financial, improving authorization rates 20% via automated underwriting and A/B optimization.

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2016 — 2017

DPP Tech (client: PayPal)

Software Engineer

Employee ID: 311 · PayPal Corp ID: srirramakrishnan · QID: Q10057341

Architected payment microservices handling $10B+ annual volume at 99.99% uptime.
Built CI/CD pipelines; lifted test coverage 65% → 95%.

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2015 — 2016

Syntel Inc. (client: PayPal)

Project Lead

Syntel ID: SR5022884

Managed stage environments, ETL/DB optimization, release deployments, and merchant onboarding support across PayPal's core platform.

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2010 — 2015

Cognizant (Symantec / The Home Depot)

Sr. Associate

CTS ID: 251553 · Symantec SYMC ID: 237003 · Home Depot LDAP: SXR8832

QA lead for enterprise ERP/PMO platforms — test strategy, compliance reporting, Agile sprint planning across Symantec and The Home Depot engagements.

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2008 — 2010

Royal Bank of Scotland (via Ebusinessware)

ETL Analyst / Software Engineer · Edinburgh, UK

GT Employee ID: 7859305 · S&P (McGraw-Hill) Core ID: SR7

ETL data quality and testing for core banking platforms at Royal Bank of Scotland.
Data pipeline work supporting RBS's global retail and investment banking operations.

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2006 — 2008

World Bank · IFC (via Satyam / Tech Mahindra)

Software Engineer · Washington, D.C.

World Bank IFC UPI: 000321880 · SCSL Associate ID: 40211

Built and tested data systems for IFC's global development finance operations across emerging markets.
ETL and data quality work for S&P 500 and multilateral institution reporting pipelines.

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Research & Writing 06

Publications, papers & essays.

Book Publication

DSR Press 2025

The Architecture of Modern Digital Finance: Blockchain, Stablecoins, CBDCs, Digital Assets, and Embedded Payment Systems

Deep Science Research Press · 2025

Publisher Catalog → Amazon Listing → DOI: 10.70593/978-93-7185-969-1 → Google Playstore →

Peer-Reviewed Research Papers, Keynotes & Judging

Venue & Track	Citation & Timeline	Manuscript / Evaluation Track	Role
IJRT International Journal	2026 · Vol. 2	Mitigating the Autonomy–Friction Paradox: A Standardized Trust-Aware Framework for Agent-to-Agent Stablecoin Payments in Agentic Commerce View Published Article (IJRT) →	Author
ICSSIT IEEE Xplore · 2026	Warangal · 2026	The Data Brain Architecture: How Artificial Intelligence, Master Data Management, and Enterprise Governance Are Transforming Modern Distributed Data Ecosystems DOI: 10.1109/ICSSIT69151.2026.11656437 → Paper ID ICSSIT-1797	Author
GJCST Computer Science & Tech	Vol. 25, Iss. 1 · Oct 2025	Secure Cross-Region Service Communication using AWS EC2 Private Link in a Zero Trust Framework DOI: 10.34257/GJCSTEVOL25IS1PG35 → CC BY 4.0	Author
JCSTS Tech Studies Journal	Vol. 7(9), 489–498 · Sep 2025	Contextual Retrieval-Augmented Generation: A Serverless Architecture Using AWS Kendra and Claude DOI: 10.32996/jcsts.2025.7.9.56 → CC BY 4.0	Author
ETNCC IEEE Communications	Windhoek · 2026	Active Metadata Governance Capability and Enterprise AI-Readiness: The Mediating Roles of Data Trust and Semantic Interoperability in Cloud-Native Financial-Service Data Ecosystems	Author
ETNCC IEEE Communications	Windhoek · 2026	Hardware-Enforced Signing Governance for Mobile Stablecoin Payments: Evaluating Biometric Re-Authentication and Secure-Enclave Time-Delay Authorization	Author
CISCom Keynote Program	Malta, Europe · 2025	Architecting Programmable Global Money Movement: Bridging Core Banking Rails with Smart Accounts and Next-Gen DLT Infrastructure International Symposium on Communication Systems	Speaker
CES® Innovation Jury	Las Vegas, NV · 2027	CES® Innovation Awards 2027 Program Evaluation Panel View Official Program Rules & Evaluation Criteria →	Judge

Blog & Industry Writing

Refunds and Reversals When Stablecoin Payments Are Final

ACM CACM Blog

Read →

Engineering the Invisible

ACM CACM Blog

Read →

Enterprise RAG Multilingual Conversational Payments Chatbot Architecture

DZone

Read →

#2 Top Writer in Web3 · #4 Top Writer in Business

HackerNoon

View profile →

Recognition 07

Standing in the field.

Marquis Who's Who

Honored for expertise in the fintech and payments sectors — recognized for excellence in fintech product innovation.

Grit Daily coverage → Press release →

IEEE Senior Member

Senior membership — the highest grade of IEEE membership for which a member can apply, recognizing significant performance over at least 10 years of professional practice.

Customer Number: 102473495 · EDAS ID: 2558182

Indian Society for Technical Education (ISTE)

Conferred Life Membership in recognition of professional commitment and ongoing contributions to technical education standards and engineering practices.

Life Membership Number: LM 147481

Beta Gamma Sigma — International Business Honor Society

Top 10% of business graduates globally. Recognized for academic excellence at Santa Clara University Leavey School of Business. The highest honor a business student can achieve.

Member Number: CH-9.01C-3052754

MBA — Santa Clara University

Leavey School of Business, 2021–2023 · Fall 2022 Dean's List, Beta Gamma Sigma Honor Society, 3.8 GPA. Woelffel Foundation Business Scholarship recipient. Executive MBA Ambassador FY 22–23.

ServiceNow Advisory Board — Confidential Invitation

Invited to serve on advisory capacity for product strategy in enterprise workflow automation and AI integration.

Memberships 08

Professional affiliations.

IEEE — Senior Member

Institute of Electrical and Electronics Engineers

Customer No: 102473495
EDAS ID: 2558182

ISTE — Life Member

Indian Society for Technical Education

Life Member No: LM 147481
IIT Delhi Campus, New Delhi

isteonline.in →

NASSCOM — National Skills Registry

Lifetime Member · National Association of Software & Service Companies

NSR ITPIN: 651043251197
Acknowledgement: 106927051X

Beta Gamma Sigma (ΒΓΣ)

International Business Honor Society

Member: CH-9.01C-3052754

betagammasigma.org →

ORCID

Open Researcher and Contributor ID

0009-0001-4208-8835

orcid.org →

ACM

Association for Computing Machinery

Published on CACM Blog →

Certificates 09

Judging, reviewing, speaking.

IEEE Senior Member Certificate

Customer No. 102473495 · Click to enlarge

NASSCOM Lifetime Membership

National Skills Registry · Click to enlarge

ISTE Life Membership Card

LM 147481 · IIT Delhi Campus · Click to enlarge

ISTE Life Member Certificate

Indian Society for Technical Education · Click to enlarge

ICACKE 2026 — Reviewer Certificate

International Conference on Advanced Computing & Knowledge Engineering · IEEE

ICACKE 2026 — Session Chair Certificate

IEEE · Click to enlarge

EDGE Hackathon — Judge Certificate

2026 · Click to enlarge

WaveHack — Judge & Speaker Certificate

IEEE · 2026 · Click to enlarge

Education 10

Academic foundation.

Santa Clara University

Leavey School of Business

Executive MBA · Marketing & Management

Aug 2021 – Mar 2023 · Top 10% of graduating class

GPA 3.8 / 4.0 · Beta Gamma Sigma · Fall 2022 Dean's List

Beta Gamma Sigma (ΒΓΣ) Honor Society — Member No. CH-9.01C-3052754 (highest honor for business students globally)
Dean's List Award — Fall 2022
Woelffel Foundation Business Scholarship — merit-based grant by EMBA Committee
Bronco Entrepreneurs Advisory Clinic mentor — Ciocca Center for Innovation & Entrepreneurship
Executive MBA Ambassador FY 22–23

Student ID: W1609136 [00001609136]

Anna University Chennai

College of Engineering

B.E. — Electronics & Communications Engineering

2001 – 2005

76% — First Class with Distinction

First Class with Distinction holder from Anna University Madras, Electronics & Communications
Member of Indian Society for Technical Education (MISTE)
IEEE Student Member
Student Secretary — National Level Technical Symposium & Rotaract

Student ID: 11101106058

Sriram
Ramakrishnan

Resume Wallet

A ledger of what shipped

Twenty years, one thread: money moving safely.

Rails, corridors & infrastructure.

Cited by industry leaders.

Publications, papers & essays.