About

I study the intersection of financial crime, sanctions, AI governance, digital assets, and national security.

Overview

I bring a hybrid background across technology, finance, and regulatory execution. My work combines deep technical training, financial-market infrastructure experience, client-facing finance experience, and hands-on financial regulatory compliance work.

That mix shapes how I approach financial crime and financial infrastructure. I am less interested in treating regulation, technology, and finance as separate fields. In practice, they meet inside real systems: screening platforms, payment rails, data pipelines, AI models, governance routines, and operating processes.

My current focus is on the systems that help financial institutions manage risk, enforce rules, and adapt to new forms of financial technology.

Research Lens

Financial crime is no longer only a back-office compliance issue. It now affects national security, economic resilience, market confidence, and the credibility of financial institutions.

Sanctions, AML controls, fraud detection, stablecoins, AI models, and payment systems are often discussed separately. In practice, they are connected. A sanctions control depends on data quality. A fraud scheme may exploit payment speed. A stablecoin can move value across borders. An AI model can improve detection, but it can also create blind spots if it is not governed well.

My writing tries to make those connections visible in clear language.

Focus Areas

• Product management and ownership: translating ambiguous regulatory, risk, and business needs into practical operating models, project plans, workflows, and scalable systems.
• Financial crime and national security: sanctions, AML, fraud, illicit finance, screening governance, control design, and the role of financial institutions in protecting system integrity.
• Data, AI, and governance: model governance, explainability, auditability, data integrity, responsible AI adoption, and defensible compliance workflows in regulated financial environments.
• Financial infrastructure: blockchain, digital assets, payments, stablecoins, tokenization, data pipelines, monitoring systems, and the evolution of programmable finance.

Background

I grew up in India with a strong interest in mathematics, data, and analytical problem-solving. I studied Computer Science and Engineering at IIT Kharagpur after achieving an IIT JEE All India Rank of 668.

I later moved to New York for graduate study at Columbia University, where I completed an M.S. in Operations Research with a focus on analytics, optimization, and financial applications. I subsequently earned an MBA from Columbia Business School, focused on finance, strategy, and product management.

Professionally, I have worked across financial data infrastructure, structured products, and ownership analytics at Bloomberg, as well as investment banking and financial crimes compliance at Bank of America. I have also built startup products as a co-founder. This experience shapes how I think about the bridge between policy and execution, regulation and systems, and financial risk and technology.

Education

• MBA, Columbia Business School
• M.S., Operations Research, Columbia University
• Dual Degree, B.Tech and M.Tech in Computer Science and Engineering, IIT Kharagpur

Why This Site Exists

This site is a public home for my research, essays, and frameworks on global financial crime and modern financial infrastructure.

The goal is to explain complex issues in plain English without oversimplifying them. Some pieces are introductory. Others focus on governance, risk, policy, technology, or market structure. The common thread is financial integrity: how systems that move money can be made more transparent, resilient, and harder to exploit.

View Research · Read Analysis · View Resume

Independence & Compliance

All content on this site is based on public information and written in a personal capacity. The purpose is to explain financial-crime, sanctions, AI-governance, and digital-finance issues for a public professional audience. Nothing on this site uses or discloses confidential, proprietary, or non-public information.