Manish is a Senior Software Engineer with 17+ years of expertise in SWIFT, cross-border payments, and low-value payments, with deep proficiency in ISO 20022, SEPA, and digital transformation. He has excelled in roles such as Solution Designer, Business Analyst, and Subject Matter Expert, driving impactful projects like Lloyds Banking Group's migration to a strategic payment engine and UniCredit's Global Payments System rollout. Manish has partnered with leading financial institutions, including Lloyds, UniCredit, Swedbank, Citibank, and Barclays, delivering cutting-edge payment solutions that optimize efficiency and reduce costs. His accomplishments include leading SEPA Credit Transfer implementations across Central Eastern Europe and HVPS+ migrations at Mizuho Bank. With a Lean Six Sigma-driven approach to process improvement, Manish has achieved significant gains in workflow efficiency and cost reduction. Passionate about fintech innovation, he seeks to connect with peers to drive transformative change.