Professional Summary
Senior Fintech Product Professional and former Founder of an AUSTRAC-registered Australian remittance entity (Kuber Financial). Specialist in designing Financial Crime Compliance systems, real-time payment infrastructure, and regulatory frameworks for the Australian market. Currently leading the development of a proprietary Transaction Monitoring Rule Engine at Flash Payments to replace legacy third-party vendors.
Uniquely positioned as a cross-functional liaison between technology, compliance, and commercial teams — drawing on four years of founder experience navigating ASIC and AUSTRAC licensing to bridge communication gaps and accelerate product delivery. Harvard-certified in Fintech with a capstone on CBDC architecture (100%). Combines deep regulatory domain expertise with AI-augmented technical development capabilities for rapid prototyping and system analysis.
Core Competencies
ICT Business Analysis & Systems
- Requirements Analysis & Specification
- System Process Mapping & Design
- User Acceptance Testing (UAT)
- Stakeholder & Cross-Functional Liaison
- Agile/Scrum Methodologies
- Data Analysis & Reporting
Fintech & Payments Domain
- AML/CTF Compliance Systems
- AUSTRAC/ASIC Regulatory Frameworks
- Cross-Border Settlement & FX
- Transaction Monitoring & Sanctions
- NPP/PayTo Infrastructure
- KYC/KYB Onboarding Workflows
Technical Proficiency
- AI-Augmented Development (LLM Tools)
- Workflow Automation (n8n)
- Containerisation (Docker)
- API Integration (REST/Webhooks)
- Slack Integrations & Automation
- JIRA / Confluence
Tools:
Professional Experience
Flash Payments
Sydney, Australia (Remote/Hybrid)
Product Manager — Compliance Technology & Payments
April 2025 – Present
Compliance Rule Engine (Project Lead)
- Designed and leading the development of a proprietary Transaction Monitoring System to replace the external Sanctions Scanner SaaS platform, targeting significant reduction in operational overhead and vendor dependency.
- Defined the logic for fuzzy matching algorithms, risk-scoring matrices, and automated alert workflows, ensuring alignment with strict AUSTRAC AML/CTF reporting standards.
- Managing User Acceptance Testing (UAT) and stress-testing phases prior to live deployment. The system is earmarked for commercial licensing to external clients.
PayTo & Payment Infrastructure
- Leading the end-to-end integration of PayTo (real-time direct debit) into the Flash Payments ecosystem, authoring detailed functional specifications for the mandate management service.
- Liaising with banking partners and NPP (New Payments Platform) technical teams to map ISO 20022 message flows for real-time payment initiation and reconciliation.
Cross-Functional Liaison
- Acting as the primary bridge between the Chief Technology Officer, Head of Compliance, and business development teams — translating complex regulatory requirements into executable technical specifications and converting commercial objectives into compliant product roadmaps.
- Leveraging direct founder experience at Kuber Financial to resolve conflicting priorities between engineering, risk, and sales functions, accelerating cross-team decision-making.
Strategic Expansion
- Contributing to the operational framework and business case for a new Flash Payments subsidiary focused on offshore entity licensing and compliance consultancy, drawing on personal experience with AUSTRAC registration processes.
AI-Augmented Development & Automation
- Implementing AI-assisted development workflows (LLM-based code generation and rapid prototyping) to accelerate technical feasibility analysis and MVP development cycles.
- Building automated workflows and Slack integrations to streamline cross-team communication, operational reporting, and system monitoring processes.
Kuber Financial
Sydney, Australia
Founder & Lead Product Architect
2021 – 2025
- Founded and registered the entity with ASIC and AUSTRAC, successfully securing an independent remittance dealer licence under the AML/CTF Act 2006.
- Architected the full product lifecycle for the Kuber App, Kuber Merchant Console, and administrative portal — selecting the technology stack, defining system requirements, and managing the Software Development Life Cycle (SDLC).
- Designed Know Your Customer (KYC) and AML transaction monitoring workflows to ensure full regulatory compliance with AUSTRAC reporting obligations.
- Established and managed technical integrations with Australian banking partners (NPP/PayID rails), analysing API documentation to ensure seamless fund flow architecture.
- Structured business operations to adhere to ASIC corporate governance standards; managed risk frameworks and operational reporting.
- Secured Flash Payments as the primary strategic investor (Seed Round), establishing the commercial partnership that led to the current role. Raised ~AUD $500,000 total funding and achieved a $3 million valuation.
- Built a client base of 50+ businesses and 1,500+ individual users including educational institutions, retail, and service businesses across Australia.
Media: Featured in Australian Fintech — "Two Young Entrepreneurs Take on the Australian Domestic Payments Scene" (October 2024)
Research and Information Systems for Developing Countries (RIS)
Ministry of External Affairs, Government of India
Research Intern
2018 – 2019
- Conducted quantitative analysis of India's external aid flows using theoretical models developed by RIS economists; structured data from parliamentary archives into analytical formats for diplomatic use.
- Prepared the economic briefing framework for Prime Minister Modi's 2019 visit to Kyrgyzstan for the Shanghai Cooperation Organisation (SCO) summit.
- Served as Rapporteur at the Delhi IV Conference on South-South Cooperation (2018), an official Ministry of External Affairs diplomatic event held at India Habitat Centre, New Delhi.
- Co-authored the RIS Special Report on India-Central Asia economic partnership.
KMNP Law Firm
New Delhi, India
Intern — Regulatory Research
[dates to be confirmed]
- Conducted regulatory research on Investment Entry Restrictions in India's tourism sector for a consultancy project between a multilateral lending agency and the Government of India.
- Produced a final report recommending de facto and de jure reforms and identifying employment gaps across major developing regions of South Asia.
Independent Technical Projects
Automated Trading System — Designed and deployed an algorithmic trading platform incorporating risk management frameworks, real-time market data processing, and automated execution logic — demonstrating systems architecture, quantitative analysis, and end-to-end deployment capabilities.
Infrastructure & Workflow Automation — Built containerised application deployments (Docker), automated data pipelines and workflow orchestrations (n8n), and integrated multiple external APIs and services for real-time monitoring and alerting.
Education & Qualifications
| Qualification | Institution | Year | Specialisation | Result |
|---|---|---|---|---|
| Certification — Fintech | Harvard University (VPAL & HBS) | 2022 | Fintech (CBDC Capstone: 100%) | 87% Overall |
| Post-Graduation | Jindal School of International Affairs | 2021 | Diplomacy, Law & Business with spec. in International Economics | CGPA 7.643/8.0 |
| Graduation | Jindal School of International Affairs | 2018 | Global Affairs | GPA 3.7/4.0 |
Harvard Fintech — Key Modules
Module 1 — Fintech Fundamentals
77.5%
Module 2 — Payments & Lending
79.8%
Module 3 — Optimising Payments
73.5%
Module 4 — DeFi & Blockchain
80.5%
Module 5 — Regulatory Frameworks
86.5%
Module 6 — Digital Currencies
81.2%
Module 7 — Reshaping Finance
75.7%
Module 8 — CBDC Architecture (Capstone)
100%
Publications
Book Chapters
- Dwivedi, K & Bawa, A (2022). "Prospects of an Evolving SCO Mandate: From a Security Focus towards an Increased Economic and Strategic Partnership with India." In The Shanghai Cooperation Organisation: Exploring New Horizons, pp. 197–213. Routledge.
- Dwivedi, K & Bawa, A (2021). "Banking on Knowledge: The Role of Knowledge Exchange in Enhancing the Quality of Capital Flows." In South-South Cooperation in the 21st Century: New Challenges, pp. 23–88.
Reports & Policy Papers
- Dwivedi, K et al. (2019). "India-Central Asia Partnership: Moving for Regional Development and Connectivity." RIS Special Publication.
Articles & Reviews
- Dwivedi, K (2018). "Rising Powers and South-South Cooperation." Development Cooperation Review 1(9), pp. 28–32.
- Dwivedi, K & Bawa, A (2018). "Report — Paris Peace Forum, France." Development Cooperation Review 1(8), pp. 37–40.
- Dwivedi, K & Vazquez, KC (2018). "Race to the South: Is New Delhi Playing Catch up with Beijing in Africa." The Wire.
- Dwivedi, K (2018). "On Debating the China Model: Is there a Middle Class in China." Nickeled and Dimed.
- Dwivedi, K & Bawa, A (2019). "Life after Death." CALACS Newsletter.
- Dwivedi, K (2018). "Dirty Development." CALACS Newsletter.
- Dwivedi, K & Bawa, A (2017). "Doc. Croc. Politics." CALACS Newsletter.
Academic Awards
Savitri Jindal Scholarship (2015 & 2019)
·
Special Scholarship for Academic Excellence (2016)
·
Ranked 2nd in Bachelor's Programme (2016 & 2017)
Best Student for Publications — Bachelor's (2018) & Master's (2020) · Best Student Researcher — Master's (2020)
Best Student for Publications — Bachelor's (2018) & Master's (2020) · Best Student Researcher — Master's (2020)
Conferences
- Delhi IV Conference on South-South Cooperation (2018), India Habitat Centre, New Delhi — Rapporteur
- Asia-Pacific Forum (2018), India Habitat Centre, New Delhi — Rapporteur
