Sreyas
Kurup.

I run go-to-market and delivery across IBM's payments platforms: real-time rails, wires, EFT, cheques, and the API layer that ties them together. The job spans the full arc: partnerships, conference circuits, RFPs, client onboarding, contract negotiation, defining MVPs, and squeezing the P&L.

The piece I'm proudest of right now is agentic payments and AP2 protocol adoption. I helped define the use cases, wrote the requirements, and pulled in IBM Research to stand up proof-of-concepts with our partner ecosystem. Most of the industry is still pattern-matching agentic to chatbots. We're treating it as a new payments rail with its own auth model, reconciliation surface, and risk profile.

I also run our DLT, stablecoin, and CBDC work for banks, and design asset-based consulting plays that turn one-off engagements into PaaS and SaaS revenue lines.

Trusted advisor to Directors, VPs and senior executives. I designed and implemented the SWIFT integration for near real-time liquidity reporting, giving treasury proactive visibility across $1T+ in annual global cashflows.

Owned the MT to MX migration for liquidity reporting under ISO 20022: onboarded partner banks, enriched data granularity, built reconciliation logic, and tied the whole thing back to Basel III LCR/NSFR compliance so the regulators stay quiet.

I run the global banking integration side as well, defining technical requirements, managing SWIFT setups, and untangling integration issues across 10+ countries of banking partners.

Defined a 0 to 1 enterprise payments platform after a major acquisition. The job: unify ACH and check disbursements across two acquired benefits systems, decouple legacy apps, and stitch front and back-office together with an API orchestration layer.

Implemented ACH flows (CCD, CTX, PPD) with automated handling for returns and NOCs. Stood up exception queues and remediation playbooks that killed off the spreadsheets ops was using to triage failures.

Ran discovery workshops, translated findings into epics, user stories, and acceptance criteria, and kept leadership, Treasury, GL, and IT Ops aligned on scope and sequencing. Compliance work covers tokenization, fraud checks, OFAC screening, and scheme rules baked into the release audit gates.

Ran a research team for the International Tobacco Control project, the largest smokers' survey research program in Canada. Findings fed legislative changes on what tobacco retailers and manufacturers could put on a shelf or a label.

Cleaned and harmonized multi-wave datasets, built respondent-behavior segmentations, and ran latitudinal and longitudinal trend analyses that ended up in policy briefs. On the people side: training, incident reports, performance reviews, the team-building events nobody asked for but everyone needed.