PRATIBHA KUMARA KRISHNAN

Led technical and product initiatives in a high-growth fintech startup with a strong focus on compliance engineering, multi-asset ledgering, and secure financial platform architecture, supporting seamless transactions in fiat and digital assets for over 50,000+ customers.

KYC Orchestration & Identity Verification

• Spearheaded scalable onboarding for 50,000+ users by integrating Alloy and Onfido into a flexible, jurisdiction-aware KYC orchestration engine.
• Designed conditional onboarding paths based on risk scoring, watchlist hits, document confidence, and regulatory thresholds.
• Automated document extraction, biometric validation, and fallback escalation workflows to support both frictionless onboarding and rigorous compliance.
• Enabled dynamic CDD/ECDD decisioning pipelines using Alloy webhook orchestration with internal override and manual review tooling.

KYT and Flagged Transaction Handling

• Developed real-time KYT monitoring systems, combining in-house behavior models with Alloy’s transaction monitoring tools to detect anomalous flows.
• Built actionable flagged transaction workflows with automated holds, analyst triage tooling, and SAR reporting triggers to support AML compliance.
• Introduced logic for velocity thresholds, geographic risk, peer-pattern deviation, and transaction structuring to minimize false negatives.
• Collaborated with fraud, risk, and legal teams to tune transaction alerting and escalation, improving investigation resolution time.

Ledgering, Fiat & Digital Asset Infrastructure

• Designed and maintained a multi-asset ledgering platform to support real-time, double-entry accounting across fiat (USD, EUR, GBP) and digital assets (BTC, ETH, USDC).
• Built foundational systems for omnibus account management, idempotent transaction processing, and traceable internal fund flows.
• Implemented reconciliation pipelines across banking rails and blockchains (Bitcoin, Ethereum), ensuring consistency and audit readiness.
• Enabled stablecoin (USDC) integration for seamless off-ramp/on-ramp flows, liaising with compliance and liquidity providers.

Compliance Systems, Access Control & Auditability

• Implemented RBAC via Auth0 and Okta with granular scopes for secure, compliance-aligned access.
• Developed a compliance control layer for audit logging, role updates, onboarding, and decision points.
• Standardized data schemas and logging to support FinTRAC, FinCEN, and internal audit requirements.

Incident Management & Compliance Escalations

• Led incident response for suspicious activity and KYC escalation cases; drove technical resolution and risk mitigation.
• Investigated and documented high-risk issues; supported SAR and regulatory filings.
• Built tools for recurring pattern detection and root cause identification.

Strategy, Mentorship & Cross-Team Alignment

• Collaborated with product, engineering, and compliance to implement regulatory-aligned features.
• Mentored engineering and support teams in compliance-sensitive debugging and workflows.
• Contributed to compliance platform roadmap, tooling decisions, and long-term scalability planning.

• Full stack development of a seamless omni-channeled online banking application
• Built fault tolerance and resilience patterns to handle failures
• Implemented Hashing algorithm to ensure secure access based on timestamp
• Driven architectural design discussions
• Built APIs to enhance observability and automation
• Feature Flags implementation to control releases and mitigate the risk of new feature launch
• Integrated with 3rd party APIs to monitor performance
• Developed Front end component libraries
• Experienced in Kanban framework to ensure continuous delivery
• Facilitated chapter meetings and Agile workshops for training
• Scrum Mastering and establishing co-team interaction
• Highlights: Java, Spring boot, Maven, Resilience4J, Hashing, Angular, CSS/HTML, GIT, Dynatrace, Taplytics, Cloud Foundry, Storybook AND Figma.

• Migrated a legacy Smalltalk software into a REST Web Service
• Spiking the existing application to understand business requirement
• Brain-storming if a feature is a value add or dead weight
• Involved in high and low-level design decisions
• Implemented custom caches using Spring Caches
• Optimizing code performance factoring in cohesion and coupling
• Highlights: Java, Spring boot, DB2, Maven, AngularJS, CSS/HTML.

• Developed a Robo Advisor as a service
• Participated in API Integration with third parties like Croesus and other wealth management products
• Built client facing features like RESP calculators
• Highlights: Java, Hibernate, DB2, Maven, AngularJS, CSS/HTML and GIT.

• Feature enhancement and maintaining existing framework
• Developed new reports for Clients
• Developed new invoice reports for Advisors for tax purposes
• Developed modules to interact with FUNDSERV for fund orders
• Highlights: Java, JPA, MSSQL, Maven, XSLT and SVN.

• Integration with Custom tags using QR, NFC, and SMS services
• Building Responsive Landing Pages, Stats Dashboard enabling CRM
• Integration Designed Reminder Engine
• Developed native mobile apps on platforms including iOS, Android using Titanium SDK
• Highlights: Advanced Java, Rest-Web Services, Spring, Hibernate, Couchbase,AngularJS, SQL, UNIX , Appcelerator Titanium.