Vice President | Banking Transformation | Payments technology and Core Banking

Guneet Kaur

360° Banking · AI & Emerging Tech · Cross-Border Transformation · Open Banking

A true 360-degree banking professional — 18+ years across core banking, payments, Open Banking, regulatory governance and AI-led transformation, built with leading Indian and global institutions across Asia, Europe, the UK and the Americas.

Technology Leader · Community Builder · Passionate about Seva

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0Years Experience
0Global Banking Brands
0Regions — Asia, EU, UK, US
0Enterprise Initiatives
Guneet Kaur, Vice President, Banking Transformation
VP · BNY
Asia · EU · UK · US
AI in Banking
A career built across leading Indian & global banking brands
Infosys
Punjab & Sind Bank
Barclays
BNY
IIM Kozhikode
Ninebee Foundation
IIBF
LinkedIn
The Differentiator

A true 360° view of banking, by design

Very few professionals globally have worked across Software Engineering, Government, Retail & Investment Banking, and AI-driven Transformation — at enterprise scale, across leading Indian and global brands, spanning Asia, Europe, the UK and the Americas.

That convergence is the core of how Guneet works: she looks at every initiative the way an engineer, a regulator, an operator and a technologist each would — at once, and across borders.

  • Software Engineering — B.Tech, Computer Engineering; ASP.Net, Oracle, systems delivery
  • Core, Branch & Government Banking — a decade inside a public-sector bank
  • Global Investment Banking — Barclays & BNY, enterprise transformation across the UK & US
  • Open Banking, Cross-Border Payments & AI — PSD2, ISO 20022, GenAI, RegTech
  • Cross-Border Reach — hands-on delivery experience spanning Asia, Europe, the UK and North America
Guneet Kaur — Software Engineering, Global Banking and AI & Transformation convergence diagram
Profile

A 360-degree career, one operating principle

Guneet's path began in software engineering, moved into a decade of frontline leadership inside a government-owned bank, and now operates at the intersection of product, regulation and AI inside two of the world's largest financial institutions. That range gives her a genuine 360-degree view of banking — fluent across business, operations, risk, compliance, governance, cross-border payments and technology — a perspective very few careers, in India or globally, ever combine.

At BNY, she leads functional and regulatory transformation for PSD2/Open Banking, covering TPP APIs, consent lifecycle management and ISO 20022 payment flows, while staying close to how AI, tokenization and next-generation banking platforms are reshaping the industry across Asia, Europe, the UK and the Americas.

Outside the boardroom, she is a driving force behind Ninebee Foundation, where she has led women's-safety response work on the ground and now serves as National Head of its Stree Safe initiative — carrying the same governance discipline she applies to regulatory transformation into how the programme is run and scaled.

What Makes Her Different

Nine pillars, one 360° career

A depth of range that spans the full banking value chain — from writing code to shaping regulation, across leading Indian and global brands.

Software Engineering

B.Tech in Computer Engineering; production systems on ASP.Net, Oracle & Informatica.

Government & Retail Banking

A decade leading branch operations, lending and compliance at Punjab & Sind Bank.

Global Investment Banking

Enterprise transformation delivery at Barclays and BNY across UK and global platforms.

Open Banking & PSD2

TPP API governance, consent lifecycle and Berlin Group standards at scale.

AI & Latest Technology

GenAI, tokenization, agentic workflows and RegTech — via IIM Kozhikode's Fintech programme.

Cross-Border Payments & ISO 20022

SWIFT, RTGS, NEFT, IMPS, UPI, and MT-to-MX migration across markets.

Cross-Border & Global Markets

Delivery experience spanning Asia, Europe, the UK and North America.

Product & Business Strategy

Roadmaps, stakeholder governance and cross-functional delivery.

Risk, Compliance & Governance

RCSA/OSRA reporting, AML/KYC, RBI and Basel frameworks.

Featured Expertise

Focus areas

Open BankingPSD2AI in Banking Generative AIDigital BankingCross-Border Payments Product StrategyAPI BankingCore Banking ISO 20022RegTechBanking Modernization Financial InclusionEnterprise ArchitectureCustomer Experience Transformation StrategyAsia-Pacific MarketsGlobal Banking Governance
Global Experience

Asia, Europe, the UK and the Americas — one banking system

Cross-border by experience, not just by title — built with leading Indian and global institutions.

India & Asia

Software engineering roots at Infosys; a decade of branch & government banking leadership at Punjab & Sind Bank; speaking engagements extending into Singapore.

United Kingdom & Europe

Enterprise transformation and PSD2/Open Banking delivery at Barclays, working to Berlin Group standards.

United States & the Americas

Global regulatory and product transformation for BNY, spanning consent lifecycle and ISO 20022 payment flows.

Global Stages

Panels and speaking engagements on Open Banking, AI and FinTech across India, the UK, Singapore and the US.

India UK / EU USA Singapore
Career

The 360° banking track record

From core banking operations to enterprise-scale regulatory and AI-led transformation at leading Indian and global institutions.

Jan 2026 — Present
Vice President — PSD2 / Open Banking Transformation & Governance
BNY (Bank of New York Mellon), Pune
  • Leads functional and regulatory impact assessments for PSD2-compliant TPP APIs against Berlin Group standards, covering consent lifecycle, eIDAS validation and ISO 20022 payment flows.
  • Drives gap assessments between existing API capability and PSD2 regulatory expectations across controls, auditability and access governance.
  • Defines business rules and automation logic for identifying and managing PSD2-eligible accounts at scale.
  • Contributes to quarterly and annual RCSA/OSRA regulatory reporting, validating control frameworks against evolving taxonomies.
Sep 2025 — Mar 2026
Program Lead — Regulatory & Financial Inclusion Enablement
Ninebee Foundation
  • Designed a lightweight regulatory enablement framework translating regulator-issued financial literacy guidance into executable delivery models.
  • Defined governance, reporting structures and success metrics for pilot implementation, standardising workflows for auditability at scale.
May 2022 — Nov 2025
Senior Business Functional Analyst — Product & Transformation Delivery
Barclays, UK
  • Partnered with Product Owners, Product Managers and Technology Delivery Managers to shape solution direction and manage dependencies across enterprise banking platforms.
  • Led end-to-end functional analysis and solution definition across customer journeys, APIs, downstream systems and control frameworks.
  • Supported Barclays' ISO 20022 transformation through payment workflow analysis and MT-to-MX mapping.
  • Facilitated governance across Risk, Compliance, Business, Operations and Technology, defining ownership and approval workflows.
Aug 2012 — May 2022
Bank Branch Manager & Technical (IT) Manager
Punjab & Sind Bank (Government Bank)
  • Directed end-to-end Loan Origination System implementation — requirements, rule-based workflows, UAT — cutting loan processing time by 50%.
  • Led a team of 25+, delivering 18% year-over-year growth for three consecutive years.
  • Handled domestic and cross-border payments (NEFT, RTGS, IMPS, UPI, SWIFT) with RBI and AML/KYC compliance; reduced branch risk exposure by 30%.
Apr 2010 — Aug 2012
Business Operations Analyst
Kogson Infotech, Delhi
  • Automated core order and inventory workflows, cutting operational overhead by 20%.
  • Built marketing analytics dashboards that lifted sales conversion by 30% within 12 months.
Jan 2008 — Apr 2010
Software Engineer
Infosys Technologies
  • Delivered L2 support and root-cause analysis on ASP.Net, Oracle 9i and Informatica, maintaining 100% SLA compliance and SOX/GXP audit readiness.
  • Designed interactive UI dashboards for a custom reporting tool used by business stakeholders.
Global Stages

Speaking on Open Banking, AI & the future of finance

Guneet has spoken and participated on panels at banking and FinTech industry platforms across India, the UK, Singapore and the US.

Panel Discussions

Open Banking & regulatory technology forums

Global Banking Events

PSD2, AI and digital transformation

Financial Inclusion

Payments, FinTech & RegTech access

India United Kingdom Singapore New York, USA Open Banking & PSD2 Regulatory Technology AI in Banking
Thought Leadership

Ideas in circulation

Perspectives on Open Banking, AI and digital payments — shared on LinkedIn and industry platforms.

LinkedIn Commentary

Ongoing perspectives on Open Banking, PSD2 and AI-driven transformation.

Industry Research

Applied insight from IIM Kozhikode's Fintech programme — Blockchain, RegTech & WealthTech.

Interviews & Panels

Conversations on the future of regulatory technology and digital banking.

Foundation

Education & certifications

2023 — 2024

Professional Certificate Programme in Fintech

IIM Kozhikode — Blockchain, Tokenization, Digital Assets, Open Banking, WealthTech, RegTech, AI/GenAI

2004 — 2008

B.Tech, Computer Engineering

Guru Nanak Dev University — 5th Rank in University

2012 — 2013

Retail Banking — JAIIB / CAIIB

Indian Institute of Banking & Finance (IIBF)

2025 — Pursuing

MBA, Finance and Banking

IGNOU

Recognition

Awards & recognition

Recognised across both the causes she serves and the industry she works in.

Community Leadership

Honoured for social service leadership

Recognised for her women's-safety and community-service work, including honours from Sikh community institutions connected to the Akal Takht for her contribution to community welfare and women's protection through Ninebee Foundation.

Professional Field

Industry recognition in banking & transformation

Recognised within the banking and Open Banking community for her regulatory transformation work — a rare dual profile of technologist and grassroots leader.

Media

Press & media kit

Coverage, interviews and features — updated as they're published.

News

Coming soon

Videos

Coming soon

Podcasts

Coming soon

Features

Coming soon

Service

Stree Safe — women's safety, built from the ground up

National Head, Stree Safe · Ninebee Foundation
25+ yrsNinebee's community work
All-womenDrivers & medical team

During the COVID-19 pandemic, reports surfaced across India of women being harassed during medical emergencies. Ninebee Foundation responded by launching Stree Safe — an ambulance service staffed entirely by women, so a woman calling for emergency help would never have to fear the help itself. Guneet led that response on the ground and now heads the initiative nationally, aligned with the Government of India's Beti Bachao Beti Padhao mission.

"It was shocking to know about cases of abuse, even in ambulances — many that never got reported. We felt an immediate need to find a solution."
Guneet Kaur, on the origin of Stree Safe