Consulting & Advisory:
Payments Engineering & AI Governance
I help regulated fintech startups diagnose architectural risk, harden payment infrastructure, and adopt AI without weakening auditability or control.
SWIFT & SEPA Payments · Cross-Border Transaction Processing · EU/UK Regulatory · AI Governance · Leadership
15+
Years in engineering and leadership
03
Industry leader experience - FIS, Adyen & JPMC
07+
Different product & platform domains delivered
04
Geographies covered - Poland, Netherlands, UK, & India
What I deliver
Focus areas
Payment Architecture & Resilience
Diagnostic reviews of payment lifecycle, idempotency, ledger integrity, and failure recovery for teams facing scale, migration, or regulatory scrutiny.
AI Adoption Governance
Helping regulated engineering organisations adopt AI without weakening accountability, auditability, or segregation of duties
Embedded Leadership Support
Selective, scoped engineering leadership for teams that need senior judgment on tap, architecture decisions, incident readiness, team structure, delivered as an advisory engagement rather than an ongoing fractional role.
Engineering Governance & Incident Readiness
Operating-model reviews, production-readiness frameworks, and postmortem discipline built from real incident response across acquiring, ledger, and SWIFT platforms.
Career glance
Engineering Manager - JP Morgan Chase, UK (Feb 2024 - April 2026)
Lead Engineer - Adyen, Netherlands (March 2020 - Jan 2024)
Senior Software Engineer - FIS, Poland (March 2017 - Feb 2020)
Software Engineer - FIS/Clear2Pay, India (July 2011 - Feb 2017)
Writing
Insights
Lessons from real-world fintech failures and hot takes on engineering leadership, architecture, and governance in AI-era, published on Substack.
Leadership
Interviewing in AI-era
Identify who can only write code vs who can build systems using AI.
Postmortem Files
Lessons from Visa 2018 outage
Redundancy architecture, and how to track grey failures.
AI Governance
AI-traceability
A decision gap and missing artifact of AI-assisted engineering.
Let's talk payments, resilience, or AI governance
Open to advisory conversations, workshop partnerships, and selective embedded leadership engagements with regulated fintech teams.
E-Mail: intro@kratikajain.com