Niloy Sengupta
Vice President, Kyndryl Consult, Financial Services @ Kyndryl
About
Visionary technology executive with 20+ years of expertise driving transformative outcomes for Tier 1 and Tier 2 financial institutions across Banking, Payments, Capital Markets, and Insurance. Recognized thought leader and trusted C-suite advisor who bridges strategy with execution—delivering $1.5B+ in influenced revenue, leading a $40M Banking & Payments Modernization practice, and pioneering Cor Modernization, Agentic AI and Payments Modernization at scale within highly regulated environments. I also champion the adoption of ServiceNow technologies and Security and Risk technologies in my customer ecosystem. Strategic advisor to top-tier financial institutions including global banks, regional banks, digital neobanks, and fintech disruptors—with deep domain expertise in Core Banking & Payments Modernization, Enterprise Architecture, Financial Crimes Prevention, Cloud Transformation, and Regulatory Compliance (AML/KYC, SOC-2, SR26-2, SR11-7, GLBA, FCRA, ISO 20022). Published author and international speaker at premier industry conferences (NACHA Payments, SIBOS, Technology Record).Proven track record of building high-performing teams, launching new service lines, winning complex pursuits, and delivering enterprise-scale modernization programs that reduce risk, accelerate time-to-market, and unlock new revenue streams. Combines strategic foresight with hands-on technical acumen—advising boards, architecting solutions, and driving adoption of emerging technologies including Generative AI, Agentic AI frameworks, blockchain, and real-time payment systems (FedNow, RTP).I also serve as a Board Member, for Arc Morris, a reputed non-profit in New Jersey serving people with Intellectual disabilities and acute neuro-diverse symptoms in Morris County, NJCore Competencies: CxO Advisory | Technology Strategy | Digital & Core Banking Transformation | Payments Modernization | Agentic AI & Generative AI Implementation | Enterprise Architecture (BIAN Framework) | Cloud Migration & Optimization | Cybersecurity & Fraud(KYC/AML) Prevention | M&A Integration | Vendor Selection & Platform Evaluation | Thought Leadership & Public Speaking | Board Governance
United States
New York City Metropolitan Area
Computer Software
Microsoft Project, Agile Methodologies, Ethics, Blockchain, Regulatory Compliance, Financial Risk Management, Fraud Prevention, Anti-Money Laundering, Board of Directors, Board Governance, Financial Audits, Information Security, Artificial Intelligence (AI), Financial Services, IT Transformation, Core Banking, Cloud Computing, Business Analysis, Program Management, Management
Experience

Vice President, Kyndryl Consult, Financial Services
New York City Metropolitan Area
• Lead the Financial Services Modernization Service Line at Kyndryl Consult in the US, driving signings and revenue growth. • Oversee the development of capabilities and thought leadership within the service line. • Collaborate with cross-practice teams to provide transformation solutions and business outcomes for our Financial Services customers in the US.

VP, CTO & GTM Strategy leader, US Financial Services
New York City Metropolitan Area
• Spearheaded the strategy and launch of innovative solutions for Kyndryl's US Financial Services sector. • Fostered cross-team partnerships to deliver tailored solutions that align with client objectives. • Collaborated with sales teams to ensure successful adoption of financial service offerings. • Supervised a team of Customer Enterprise Architects who provide technical and domain leadership during pre-sales engagements, and throughout the multi-year engagement lifecycle

US Financial Services GTM Strategy Lead
New York City Metropolitan Area
I am responsible to lead and grow the Financial Services book of business of Kyndryl in the US, through new Go-To-Market offerings, partnerships and alliances. I also lead Domain Consulting in Banking and Payments.

Member Board of Directors
Morris County, NJ
• Serve on the Board of Directors for ArcMorris, a leading non-profit in Morris County, NJ, dedicated to supporting individuals with intellectual and developmental disabilities. It is a voluntary position. • Collaborate with Executive Leadership to develop strategic initiatives and governance policies that enhance organizational effectiveness. • Advocate for community engagement and resource allocation to improve service delivery for families in need.

Consulting Director
Greater New York City Area
Key Responsibilities: Sell and Deliver Advisory Engagements | Capability Leader - Digital and Core Banking Sample Client Engagements: 1. End-to-end set up and implementation for a de-novo Digital Bank in the US, targeted at Small Business market segment (launch Q42021). Vendor platform assessments of packaged software FIS, Temenos, FinXact and Nymbus for Core. 2. Core Banking Platform (Hogan) modernization at a top 3 US bank. 70% of the monolith has been modernized into cloud native micro-services, using Domain Driven Design and BIAN framework while the rest have been replaced with a COTS alternative. 3. Set up and Operate a Cloud COE at a leading Asset Management Company, to lead cloud transformation within the enterprise. 4. Drove a program to rationalize an enterprise app portfolio of ~5600 apps. Use BIAN and a value stream analysis framework to rationalize ~800 apps in year 1 and ~1200 apps by year 3. 5. Drove the modernization of a Merchant Finance and Working Capital Loans platform at a top 3 Global Credit Card company.

Principal Consultant
Greater New York City Area
Key responsibilities: Deliver Advisory Engagement | Pre-Sales Consulting | Practice development | People Development Sample Client Engagements: 1. Drove Core Banking Modernization at a leading NorthEast Regional Bank. Helped the bank evaluate platform choices and develop a modernization strategy, solution approach and roadmap. 2. Data Strategy for Master Data Management at a leading Regional Bank, including platform evaluation and identifying Gold Copy of Key Data Elements 3. Business Case and Market Entry strategy for a Digital Lender (startup) in Mexico, disrupting the small and pay-day loans.

Manager - Financial Services Consulting
Greater New York City Area
Key responsibilities : Core Banking Modernization | Banking Data and Analytics | Business Development Support Sample Client Engagements: 1. Strategy, Roadmap and Solution Architecture for modernization of the Data Warehouse for Deposits Line of Business at a top 3 North American Bank 2. Use a combination of Data Science and Machine Learning to remediate accounting errors in Collections and Recovery business line of a top 3 Credit Card issuer (Petabyte of data across 10 years involved in calculations) 3. Business Case development, Platform Strategy, Solution Approach, Roadmap and Plan to modernize the Deposits Platform (Hogan to FIS ) and Lending Platform (AFS to ALS) at a Carolinas based Regional Bank

Principal Industry Consultant
Greater Philadelphia Area
Consulted for FIS. Sample Engagements: 1. Implemented FIS Xpress, FIS Profile and Systematics at multiple top 20 banks and financial institutions in North America over 4 years. 2. Lead Business Analyst for the product development of FIS Xpress--a SOA middleware and the first commercial implementation of the IFX framework
Education
Niloy Sengupta's Contact Information
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