IEEE Senior Member · Citigroup Inc.

Building the AI infrastructure behind $31.4 trillion in global assets

AVP & Primary Architect of Regulatory Reporting at Citigroup — a G-SIB institution. Inventor of Compliance-Aware AI. 21 peer-reviewed works across IEEE, Elsevier, Springer, and Scopus-indexed venues. Research adopted by practitioners at MasterCard, MUFG, and Assurant.

Tampa, FL

9+ Years at Citigroup

DBA Candidate, Indiana Wesleyan

About

The Industry-Researcher

I occupy a rare position at the intersection of production AI engineering and peer-reviewed research. Where most researchers publish theory and hope for adoption, I build first — deploying AI systems protecting trillions in assets at a Global Systemically Important Bank — and then publish the peer-reviewed formalization afterward.

As the sole Primary Architect of Citigroup's automated regulatory pipeline, I design the infrastructure that reconciles $31.4 trillion in assets for the Federal Reserve, SEC, OCC, and FinCEN. My invention of Compliance-Aware AI — an architecture that embeds federal audit logic directly into machine learning pipelines — resolves the financial sector's longstanding "Black Box" deadlock, making AI simultaneously high-performing and legally auditable.

My research has been independently adopted by senior practitioners at MasterCard, MUFG Investor Services ($1.2T AUA), and Assurant (Fortune 500). My 2021 paper on AI-driven settlement optimization predicted the SEC's T+1 mandate two full years before it was enacted — and I subsequently led Citigroup's live implementation.

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IEEE Senior Member

Top 8–10% of 400,000+ global members. Independent review panel.

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Microsoft Azure AI Engineer

Certified Associate — AI solutions design and implementation.

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DBA — Indiana Wesleyan University

Focus: Responsible AI in Financial Systems. In progress.

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DOL Wage Level 4

Highest prevailing wage tier — most complex responsibilities.

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MS Information Technology

University of South Florida — Graduated 2016.

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Media Recognition

Nation Today News — expert perspective on AI compliance.

Original Contributions

Frameworks Deployed at Scale

Research that doesn't just describe the future — it builds it. Each framework below was deployed in G-SIB production before peer-reviewed publication.

Flagship Framework

Compliance-Aware AI Architecture

A novel framework that resolves the financial sector's "Black Box" deadlock by embedding federal audit reason codes directly into the ML pipeline's loss function. Instead of adding explainability post-hoc, compliance becomes a mathematical constraint during training. Deployed in production at Citigroup protecting $31.4 trillion in assets. Independently attested by experts at MasterCard, MUFG, and Assurant as establishing a new industry standard.

78%

Settlement Failure Reduction

32%

Operational Cost Reduction

$31.4T

Assets Protected

IEEE 2025

MLMTGODE — Dynamic Graph Neural ODEs for AML

Multivariate Time Series Forecasting with Dynamic Graph Neural Ordinary Differential Equations for money laundering prediction. Achieves 94%+ accuracy on financial transaction networks. Implemented in production at Citigroup before academic publication.

IEEE-CIS Benchmark

PSO + Quantum Neural Networks for Fraud Detection

Particle Swarm Optimization combined with Quantum Neural Networks achieving 98.55% precision on the IEEE-CIS Fraud Detection dataset — breaking through the classical LSTM bottleneck at ~97.4%.

Regulatory Prediction

T+0 Atomic Settlement → SEC T+1 Mandate

Published the AI-driven T+0 settlement framework in 2021, two years before the SEC mandated T+1 settlement in 2024. Led Citigroup's live implementation and is currently architecting the EU T+1 mandate for 2026.

Generative AI

Automated SAR Drafting with Constrained LLMs

First-of-kind application of Generative AI to automate FinCEN Suspicious Activity Report drafting, solving the "hallucination" risk by constraining LLMs to federal audit reason codes. Sole-authored, IEEE ICOCO 2025.

Scholarly Authorship

21 Peer-Reviewed Works

8 IEEE Xplore indexed · 3 IEEE in-press · 2 Elsevier/Procedia in-press · 4 JOCAAA Scopus Q3 · 3 solo journals · 1 book

8 IEEE Xplore

3 IEEE In-Press

2 Elsevier/Procedia

4 Scopus Q3

Peer Review & Editorial Leadership

Appointed by IEEE, Springer, ACM, IET, and Bentham Science to evaluate research worldwide. Active across 8 conference reviewer dashboards and 1 editorial board.

PC/TPC Appointments

Editorial Board

Board alongside University of Milan, Texas A&M, Tianjin University.

Independent Expert Validation

Four Institutions, One Conclusion

Four independent experts — across distinct institutional vantage points, without coordination — each attest to the field-wide impact of these contributions.

MasterCard

Multi-cloud optimization and XAI frameworks evaluated and benchmarked as the internal standard against which MasterCard assessed competing AI vendor proposals for payment network reliability.

Shravan Ankula

Lead BizOps Engineer · 12 years

MUFG Investor Services — $1.2T AUA

Graph Neural ODE framework circulated as reference architecture for T+1 compliance planning. Generative AI SAR architecture establishes technical precedent for safe AI deployment in regulated banking.

Balaji Singh Thakur

Associate Director

Assurant — Fortune 500

The 78% settlement failure reduction benchmark validated as a "gold standard" for modernizing legacy infrastructure. The book referenced as a foundational professional resource.

Sangeetha Nomula

Risk Analyst

Citigroup Inc. — G-SIB

Nine years of direct supervisory observation confirming sole primary architect designation. Replacement would carry elevated operational risk for federal regulatory reporting obligations.

Senior Vice President

Regulatory Reporting · 9-year direct observation

Career Trajectory

Research Anticipates, Engineering Implements

A timeline of building production systems first and publishing the academic formalization afterward.

2026

Architecting EU T+1 Settlement Mandate

Building the European market equivalent of T+1 at Citigroup. Extending the trajectory from 2021 research to global production.

2025

IEEE Publications · IEEE Senior Member · MLMTGODE

8 IEEE Xplore papers indexed. Elevated to IEEE Senior Member (top 8–10%). MLMTGODE framework published — AML system already live in G-SIB production.

2024

SEC T+1 Mandate — Live Citigroup Implementation

Led live T+1 settlement deployment across Citigroup's $31.4T custody platform. SEC mandate validated the direction of the 2021 research.

2021–2023

Scopus Q3 Publications — Live Production Benchmarks

Four JOCAAA publications documenting 78% settlement failure reduction, 98.55% fraud detection precision, and T+0 Atomic Settlement framework.

2021

Direct Citigroup Employee · Compliance-Aware AI Deployed

Converted from contractor to direct employee. Compliance-Aware AI architecture live in G-SIB production environment.

2017

Joined Citigroup — Primary Architect Role Begins

Began building the automated regulatory pipeline. $31.4T AUCA, 104 global markets, Federal Reserve / SEC / OCC / FinCEN compliance.

2016

MS Information Technology — University of South Florida

Graduated with IT degree. Foundation for financial systems engineering career.

2012–2015

Infosys · Zwitch Payments

Data engineering at Microsoft (via Infosys). Payment data infrastructure at Zwitch FinTech. Built foundational expertise in secure data pipelines and real-time transaction processing.

Published Book

From Code to Compliance: The Future of Auditable AI

A comprehensive practitioner guide bridging AI engineering and federal financial regulation. Referenced by independent practitioners at MasterCard and MUFG as a foundational resource. Actively used by risk analysts at Assurant (Fortune 500) for evaluating AI systems against regulatory audit requirements.

ISBN: 978-93-6717-234-6