Kumar Mudaliar

Kumar is a financial services executive with over 15 years of experience in global banking, specialising in digital payments, operational resilience, and strategic transformation. He currently serves as Vice President at JPMorgan Chase, where he leads initiatives across digital channels and connectivity platforms supporting more than 40 product groups.

Kumar brings deep expertise in governance, risk management, and technology-enabled change. His experience spans the United States and United Kingdom, where he has delivered large-scale automation, strengthened regulatory frameworks, and improved operational performance. He brings boards a practical perspective on digital transformation, fintech innovation, and resilient financial infrastructure.

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San Francisco Bay Area, USA JPMorgan Chase & Santander UK USA · UK · EMEA
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Kumar Mudaliar

Value Proposition

What I Bring to the Boardroom

A unique blend of strategic vision, deep operational expertise, and technology-forward thinking built across tier-one global financial institutions and entrepreneurial ventures.

Risk & Governance

Deep expertise in control frameworks, SOX, DORA, PSD2, and operational resilience. Built governance models for M&A integrations and cross-border regulatory compliance.

Global & Cross-Market

Hands-on leadership across the USA, UK, and EMEA — navigating diverse regulatory environments, cultural dynamics, and international client relationships at scale.

Digital & Technology

Founder-level experience in Blockchain and AI applications, combined with enterprise technology transformation at JPMorgan Chase and Santander UK.

Financial Acumen

Managed a £250M budget, oversaw £380B+ in daily balance movements, and delivered £150M in annual process savings — providing commercially grounded board oversight.

Quantified Impact

Results That Define a Career

91% Reduction in unreconciled positions through enhanced risk control framework
£150M Annual savings through financial process restructuring at Santander UK
80% Reduction in manual errors via process re-engineering and automation
40+ Product groups under digital channels & connectivity oversight at JPMC
15+ Years of executive leadership in global financial services

Professional Career

Career Highlights

JPMorgan Chase
2023 – Present
VP — Product Management, Global Digital Channels & Connectivity, Payments
Palo Alto, USA

Leads global programs enhancing digital connectivity and client experience across 40+ payments product groups. Drives execution strategy, operational resilience, and recovery frameworks. Champions change management and strengthens the business governance model through crisis response, DORA and PSD2 compliance, and cross-functional leadership.

JPMorgan Chase
2022 – 2023
VP — EMEA Payments Product Controls
London, UK

Designed the controls and governance charter for the acquisition of Viva Wallet. Spearheaded the EMEA Payments Outsourcing Forum, established a new Brexit Migration operating framework, and embedded a proactive risk culture across EMEA SMB operations.

Santander UK
2018 – 2022
Senior Manager — Derived Data Controls, Data & Analytics CoE
Milton Keynes, UK

Designed end-to-end controls covering £380B+ in daily balance movements and 80M+ transactions across Capital/Basel, IFRS9, Liquidity Risk, and FinRep. Delivered a 91% reduction in unreconciled positions and eliminated 30%+ of core control FTE through automation.

Santander UK
2013 – 2018
Senior Manager — Data Quality for Finance & Risk Systems
Milton Keynes, UK

Introduced 1,000+ new controls and reduced the general ledger failure rate to 1%. Steered capital calculations and financial & regulatory reporting, earning multiple promotions and an 'Above Target' rating across several consecutive years.

Santander UK
2010 – 2013
Finance Manager — Vendor, Logistics, ATM & Cash
Milton Keynes, UK

Managed a £250M budget for critical bank services. Restructured financial processes across logistics, card, and payment operations — generating £150M in annual savings. Consolidated £100M of Alliance & Leicester accounts into the Santander P&L following a merger. Recognised as 'Exceptional Performer'.

Namahe Limited
2016 – 2018
Co-Founder
London, UK

Co-founded a technology venture applying Blockchain and AI to build a socially responsible supply chain. Recognised in the Asia One Awards' Innovative Technology category (World's Greatest Leaders 2017–2018).

Board & Advisory Readiness

Where I Add the Most Value

Kumar brings a combination of global banking expertise, technology insight, and governance leadership that supports organisations navigating complex regulatory and digital environments.

Strategic Leadership

Experience shaping strategy and execution across large financial institutions, aligning business objectives with technology transformation and operational resilience.

Risk, Governance & Regulation

Deep expertise in risk management, regulatory compliance, and enterprise control frameworks across payments, finance, and data systems.

Digital Transformation

Strong understanding of digital payments infrastructure, fintech innovation, and technology platforms including APIs, automation, AI, and blockchain.

Operational Resilience

Extensive experience building recovery frameworks, crisis response models, and operational continuity programs to protect critical financial services.

Transformation & Efficiency

Track record of delivering measurable improvements in cost efficiency, automation, and operational performance through large-scale change initiatives.

Global Perspective

Leadership experience across the United States and United Kingdom, working with diverse teams and complex international regulatory environments.

Core Competencies

Areas of Expertise

Payments & Digital Channels Operational Resilience Risk & Control Frameworks Strategic Planning & Execution Product Management & Delivery Regulatory Compliance (PSD2 · DORA · SOX) Change Management Crisis & Incident Management Business Continuity Process Automation Data Quality & Analytics Governance M&A Integration Blockchain & AI Capital & Basel Reporting Financial Modelling & Budgeting Cross-Functional Team Leadership Third-Party & Outsourcing Governance Stakeholder Management FinTech & RegTech IFRS9 & Liquidity Risk

Education & Credentials

Qualifications

Master's Degree — International Banking & Financial Studies
University of Southampton, United Kingdom
Bachelor of Commerce
Bharathiar University, India

Publications

Thought Leadership

How Blockchain Could Revolutionize the Supply Chain
HackerNoon · Medium
Namahe Leverages AI to Create an Autonomous Supply Chain
CoinSpeaker

Let's Connect

Open to Board & Advisory Engagements

Kumar welcomes conversations with organisations seeking an independent, commercially sharp, and technology-forward board or advisory perspective in financial services, payments, and digital transformation.

info@kumarmudaliar.com linkedin.com/in/kmudaliar