Rucha KHARE KANGO

• Payment Orchestration Layer (POL) is the routing platform of HSBC. Its an integral layer which can perform validation on in/out message and can translate messages from MX to MT, MT to MX or any other scheme specific format. POL specifically connects the Payments Processors and Payments gateways however it also enables an integration with multiple systems to ensure smooth processing of messages without losing data.
• Key implementation includes ISO20022 CBPR+ migrations and 15+ countries MX RTGS migrations.

• Real time payments roll outs for multiple markets
• Facilitated immediate fund transfers for enhanced customer service and satisfaction. 24x7 & 365 days’ service availability. The settlement of the payment is instant with the credit to beneficiary is expected within few seconds along with immediate confirmation to both the parties (Payer & Payee). Also, customers can make/receive real time transfers to people or business just by entering their proxy/alias (e.g. Mobile no, email, FPS identifier, Passport No, NRIC, etc.) without knowing their actual bank account details which will help in simplifying beneficiary management, increasing transparency and security in the payment cycle.
• Key Implementations Leading value stream - Real time payments for HSBC Commercial banking in channels (HSBCnet) Real time payments implementation in 10+ markets Hong Kong, Singapore, Malaysia, UAE, Sepa Instant, Saudi Arabia Alias/Proxy Registration & Management in HK, Malaysia, Canada, Indonesia Real time Bill Payments implementation in Bahrain which was the pioneering implementation in HSBCnet, which was used as a baseline product for markets like Qatar, Sri Lanka, Egypt.
• Request for Payment (Pain.013/Pain.014) in Malaysia, Saudi Arabia Mandates and Real Time Direct Debits in HK, Sri Lanka.
• Responsibility: Leading team of 5 BAs for RTP payment deliveries across the globe. Responsible for requirement gathering and analysis with close collaboration with business across various markets Impact Analysis, Technical Design, Low Level Designs Produce BRD, FRD OR Epics/User Stories in Jira.

• HSBCnet is widely used and most critical product in commercial banking in HSBC. Payment application enables corporate clients to make High Value (Priority/wire Payment, Inter Account Transfer, Tax Payment) and Low Value Payments (SEPA, ACH, Bill Payments) from Payment Inception till Payment processing.
• Key implementations - Bill Payments implementations across various markets Sepa SCT implementations across Sepa region Payment Transparency remediation Migration to Digital Customer experience for HV and LV payment types MT103, MT101, Priority Payment, Customer transfer, Inter Account Transfer Payments enhancements Implementing regulatory or compliance requirement for Local and International Markets.
• Responsibility: Requirement Gathering and analysis with close collaboration with business Impact Analysis, Technical Design, Low Level Designs Produce BRD, FRD OR Epics/User Stories in Jira. Estimation and Planning, Monitoring and control, Status reporting Use cases, Sequence and work flow diagrams.

HSBCnet Payment is a critical commercial banking platform enabling high and low value corporate payments (e.g., wire, SEPA, ACH, tax). Each release delivers new country rollouts, SWIFT integrations, regulatory compliance, and user experience enhancements.

Responsibilities: Led impact analysis, system and technical design, development, and end-to-end testing. Managed production incidents, estimations, planning, and status reporting. Contributed to productivity improvements, resource planning, and operational support strategies.

• Focus on system stability, reliability, and performance optimization. Manage service quality dashboards, improve transaction efficiency, and reduce costs through SQL tuning and JCL modifications. Proactive and reactive problem-solving, incident reviews, and defect prioritization enhance system resilience. With global experience, including support representation in Hong Kong, we ensure seamless operations across regions.