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Rupesh Malhotra

@rupeshmalhotra

Message

I modernize global payment architectures for secure, high-value transaction processing.

Canada

Message

At Citi, I oversee Global Payments Architecture and payments modernization across North America Payments and Receivables. I establish architecture governance and guide target-state strategy for payment systems.

I’ve led the shift from legacy platforms to API-based, microservices-oriented architectures, strengthening operations, data storage, and resilience for high-value payments.

Previously at TD, I led solution design for Global Wires Modernization in support of ISO 20022 mandates across Fedwire, PayCan, Lynx, and SWIFT. The work targeted a single enterprise wires platform delivering secure, resilient, and trusted services.

At Scotiabank and RBC, I designed high-value payment blueprints, enterprise payment hubs, and IBM Financial Transaction Manager solutions. I also contributed to SWIFT Customer Security, SWIFT GPI, enterprise wireroom, and Lynx initiatives.

Experience

Work history, roles, and key accomplishments

Current

SVP Global Payments Architecture

Current

Citi

Oct 2022 - Present (3 years 11 months)

Payments Modernisation
Architecture Governance Global Payments Modernisation
Chief Architect - North America Payments and Receivables

Global Wires Modernization Solution Design Lead

Apr 2022 - Sep 2022 (5 months)

Working for one of the most critical project for Global Wires Modernization to comply with regulatory and industry ISO 20022 mandates (Fedwire, PayCan, Lynx and SWIFT) - intends to deliver a single enterprise wires platform to provide State-of-the-art, secure, resilient, trusted wires services with modular architecture & change process

Databases IT Projects Data Architecture Technical Architecture Data Storage Operations Cybersecurity Presentation Skills IT IT Governance Problem Solving Thinking Big Information Systems Communication Skills

Senior Architect - High value Payments

Scotiabank

May 2016 - Apr 2022 (5 years 11 months)

Worked on the blueprints , Current , Transition(MVP Model) and Target state architecture for High Value Payments Landscape with a view to align with payments Canada modernization as well as to sunset legacy applications with modern architectures – API based , Micro service Oriented giving agility and flexibility to keep up the pace and align with bank’s strategy to be a leader in payments

Worked

Senior Technical Lead / FTM Designer / Integration Architect

RBC

Jun 2015 - May 2016 (11 months)

Senior Technical Analyst, Integration Architect as well as Client Lead in the Implementation of a Financial Transaction Manager Design Solution (a service-oriented architecture (SOA) industry software package for the implementation of a financial transaction integration layer) for Payments Domain on mainframe platform for Royal Bank Corporate banking project.

Databases IT Projects Data Architecture Technical Architecture Cybersecurity Presentation Skills IT Problem Solving Communication Skills

Associate

Cognizant

Mar 2010 - Apr 2011 (1 year 1 month)

Worked as an Onsite Team Lead for the client - JP Morgan Chase in project World Wide Security Services Messaging Hub Shared Services and delivered key projects for the client - Pension Fund Automation ,Fund Order Routing Tracking Environment , Execution Plus Integrated Clearance/Custody product etc

IT Projects