Prashant Nema

𝐂𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐊𝐘𝐂 𝐨𝐮𝐭𝐜𝐨𝐦𝐞𝐬 𝐫𝐞𝐪𝐮𝐢𝐫𝐞 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐩𝐨𝐥𝐢𝐜𝐢𝐞𝐬 — 𝐭𝐡𝐞𝐲 𝐫𝐞𝐪𝐮𝐢𝐫𝐞 𝐚 𝐜𝐨𝐧𝐭𝐫𝐨𝐥𝐥𝐞𝐝 𝐰𝐨𝐫𝐤𝐟𝐥𝐨𝐰. CustomerPlus gives you a single workflow to run your entire KYC lifecycle — from onboarding and periodic refresh to remediation. • Every step of your KYC process is predefined, consistent, and enforced. • Ownership is clear — no dropped handoffs or unclear next actions. • Built-in controls ensure reviews happen in the right order, every time. • SLAs, escalations, and exceptions are managed automatically. • Full audit trail captured as work happens. The result? ✔ Faster onboarding ✔ Fewer errors and rework ✔ Predictable reviews and remediation cycles ✔ Stronger regulatory outcomes with less operational effort CustomerPlus turns KYC from a reactive task into a repeatable, controlled, and scalable process. #KYCWorkflow #ComplianceOperations #AML #CustomerDueDiligence #RegTech #CustomerPlus

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Choice Bank's Data & AI journey - strong discussion led by Sanket Modi  along with Madeline Fredin, with banking leaders who are executing, not just experimenting. Good reminder - No shortcuts; AI value can compound with right foundations; years of safe, secure, well‑governed platform, data, and architecture discipline aligned to customer and business outcomes.

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Ever met someone who speaks and you don’t just listen - you feel? That’s the magic Dr. Meenakshi created in her inspiring session on “Speak with Impact, Work with Synergy, Lead with Confidence.” as part of #CIOAssociation's #ThoughtfulThursdays series. Session received raving reviews and 5* feedback from the audience Key Takeaways from the session 1. Speak to be felt, not just heard Communication is the transfer of energy, not information. Dr. Meenakshi reminded us of the 4 Ps - Pitch, Power, Pace, and Pause, and the 3 Cs - Clarity, Conciseness, and Confidence. Zig Ziglar once said: “If you give me one hour to speak, I’m ready now. But if you give me 10 minutes, I’ll need 4 hours to prepare.” Lesson: True communicators prepare not to talk more but to say more with less. 2. The Broken Piano Story In a small Maharashtra school, a broken piano was donated. While others laughed, one student, Arjun, saw possibility where others saw waste. He practiced on the few working keys until his music earned a scholarship abroad. Lesson: Don’t wait for perfect conditions. Start with what you have, where you are. 3. The Woman Who Danced While Washing Dishes (from Dale Carnegie’s book) After an accident, a woman’s limited vision doubled from 20% to 40%. She began singing and dancing while washing dishes, simply because she could see them clearly. Lesson: Gratitude turns ordinary moments into miracles. 4. The Story of Rudra - Empathy Before Judgement As a school principal, Dr. Meenakshi once noticed a quiet, withdrawn child named Rudra. Instead of scolding him, she listened and learned that he had seen his father hit his mother the night before. Lesson: Behind every behavior, there’s a story. Great leaders listen before they label. 5. Work with Synergy - the Power of “We” Synergy is not just teamwork; it’s shared purpose, passion, and precision. It’s built on empathy, understanding, and emotional safety. Lesson: Alone we can do little, together we can create impact that lasts. 6. Lead with Confidence In Japan, factory workers are trusted to stop the assembly line if they spot a flaw, even if it halts production. Lesson: True leadership means empowering others to act with integrity and courage. 7. The Life Balance Sheet Participants listed everyone who helped them (Column A) and everyone they helped (Column B). Almost everyone found that A far outweighed B. Lesson: Success is never a solo journey. Let’s remember the invisible hands that lift us up. ✨ Final Reflection “People will forget what you said, but they’ll never forget how you made them feel.” - Maya Angelou In this era of AI and automation, the human edge remains: Communication. Empathy. Gratitude. Confidence. These aren’t soft skills - they’re super skills. You can go through the session at https://lnkd.in/gXi52U6b Which of these stories resonated with you most? Share your thoughts👇 #PunjabChapter

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In an era where technology shapes every strategic decision, aligning business vision with digital innovation has become more vital than ever. I was honored to join The Emerging India Forum podcast to discuss this powerful intersection under the theme, Bridging Strategy and Technology. During this enriching conversation, we explored how India’s next wave of growth depends on the ability of businesses to think strategically about technology, not just as a tool, but as a transformative enabler. From harnessing data intelligence to driving operational agility, and from embracing cloud-native transformation to building ethical frameworks for AI adoption, our dialogue focused on translating ambition into actionable, technology-driven outcomes. As IT leaders, we often face the challenge of balancing immediate needs with long-term vision. On the podcast, I shared practical insights from my own experience, how modern enterprises can build alignment between executives, technologists, and customers to drive sustainable innovation. We discussed how digital leadership now demands empathy, adaptability, and a clear understanding of emerging business ecosystems. The Emerging India Forum continues to serve as a knowledge hub for forward-thinking professionals who aspire to shape the country’s digital future. I believe such platforms spark critical reflection, inspire collaboration, and nurture a generation of technology-driven strategists ready to lead India’s transformation story. I invite you to listen to the episode, engage with the conversation, and contribute your perspectives. Together, we can continue bridging the gap between strategy and technology, creating solutions that not only accelerate growth but also define the future of digital India. Tune in to the Emerging India Forum podcast and be part of this evolving dialogue on innovation and leadership. https://lnkd.in/dZ4G5wtq #BridgingStrategyAndTechnology #DigitalLeadership #InnovationLeadership #StrategicLeadership #TechForGrowth #LeadershipPodcast

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Mortgage Cadence Appoints Lokesh Pathak as its New CIO Wishing Mr. Lokesh Pathak greater responsibilities and exciting challenges in this impressive new chapter! Mortgage Cadence, the cloud-based digital lending platform and an integral part of Accenture, has announced the appointment of Lokesh Pathak as its new Chief Information Officer (CIO). Pathak brings with him an impressive three-decade career in engineering, product development, and IT strategy. His leadership will be pivotal in enhancing operational efficiencies, driving innovation, and accelerating the adoption of AI technologies and advanced capabilities at the company. In his new role, Pathak will focus on scaling Mortgage Cadence’s lending platforms, pushing them to new heights as the preferred market solution for U.S. mortgage lenders. With his extensive background in technology and leadership, he will help elevate the company's digital lending solutions to better meet the evolving needs of the financial sector. Pathak, who also holds the role of Managing Director at Accenture, shared his excitement on LinkedIn, saying, "As I step into the organization, I am filled with excitement and pride. I’m eager to collaborate with a team of brilliant minds to drive transformative solutions and deliver exceptional value to our customers and stakeholders. I look forward to this exciting new phase and the growth it will bring!" Before joining Mortgage Cadence, Pathak spent a decade as the Vice President of Engineering at Nucleus Software, a prominent India-based provider of lending and banking solutions to global financial institutions. He also holds notable certifications in Design Thinking and Architecture of Systems from the Massachusetts Institute of Technology (MIT). In a statement, Pedro Garcia, CEO of Mortgage Cadence, expressed confidence in Pathak’s leadership, stating, "Lokesh brings both deep technical insight and a strategic, forward-looking mindset. His leadership will be key as we continue to scale, invest in digital transformation, and deliver even greater value to our customers and partners." With Pathak at the helm of technology, Mortgage Cadence is poised for an exciting journey of growth and innovation in the competitive digital lending space. #TheMainstream #MortgageCadence #AIInnovation #DigitalTransformation #LendingSolutions #TechLeadership

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Excited to share that Capital One has entered into an agreement to acquire Brex, a modern, AI-native software platform offering intelligent finance solutions that make it easy for businesses to issue corporate cards, automate expense management and make secure, real-time payments. https://bit.ly/3ZuzRgU

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Who said insurance cannot be fun and exciting - Here is my Insurance Innovators 2025 take so far: Transforming Risk with Tech, Trust & Talent Big shifts are reshaping the insurance industry, and this year’s event is all about future-ready transformation so far! Key takeaways so far: * Customer-Centric Innovation: From dynamic coverage updates to personalized digital journeys. * Modular Tech Ecosystems: Flexibility is the future—plug in, scale up, adapt fast. * Data-Driven Decisions: Trustworthy, governed data is the backbone of effective AI. * AI with Purpose: From risk modeling to climate resilience—AI is moving from pilot to production. * Upskilling Humans: Agentic AI isn’t replacing agents—it’s enhancing them. * Compliance & Governance: As tech grows, so does regulatory responsibility—especially with cyber and AI. * Innovation That Delivers: Real gains seen in predictive analytics, cost efficiencies, and risk interconnectivity. Yes - "Change is an opportunity, not a threat.", and that mindset is what will define the next era of insurance. #InsuranceInnovators #AI #DataDriven #FutureOfInsurance #Insurtech #DigitalTransformation #RiskManagement #CustomerExperience

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Unlocking the future of Personalization: The July episode of the Data Book Club featured Ankit Gupta (He/Him) presenting on the new book "PERSONALIZED - Customer Strategy in the Age of AI" by Mark Abraham and David Edelman. It covered the importance of personalization in building trust, loyalty, and growth for organizations, and how has become a foundational aspect of customer engagement.   Here are a few highlights and recommend reading the book for a lot more: 💠 Five Promises of Personalization: 🔹 Empower Me: Allow customers to control how they are reached & what data is used. 🔹 Know Me: Create a rich customer profile to understand customer preferences, behaviours, and lifecycle stages to provide relevant experiences. 🔹 Reach Me: Communicate with customers through their preferred channels at the right time. 🔹 Show Me: Provide curated and relevant options to customers, avoiding overwhelming them with choices. 🔹 Delight Me: Create memorable moments that exceed customer expectations, such as surprise gifts or proactive problem-solving.   💠 Role of AI in Personalization: AI should be integrated deeply across business processes for personalised customer engagement, not just used for marketing. 💠 Importance of Trust and Privacy: Personalization efforts must be built on trust, transparency, and accountability. Organizations should ensure privacy by design, obtain meaningful consent, and explain AI decisions to customers. 💠 Measuring Personalization Impact: Measure customer lifetime value, engagement quality, trust indicators, and personalization effectiveness. 💠 The Future of Personalization: The future will involve hyper-contextual, emotionally intelligent, and AI-powered personalization. Brands must earn customer trust to leverage these advanced personalization strategies effectively.   The future of personalization will feel less like a marketing tactic and more like a trusted companion.   Our Westpac data book club is our member driven community for our curious & continuous learners, data and tech enthusiasts.   #DataBookClub #Personalisation #Marketing #ArtificialIntelligence #CustomerStrategy

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Our own EVP, Chief Scientist & Head of Enterprise AI Prem Natarajan recently spoke to TechTarget about Capital One’s partnership with the National Science Foundation (NSF), which will help launch five new National AI Research Institutes to drive breakthroughs in high-impact areas across society like material and computational sciences, economics, and mental health. https://bit.ly/46fLI5I

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Most systems do not break from load. They break from misunderstanding. It is not pressure that kills architecture. It is the lack of Air. Example 1: A partner asked us to copy their customer category as a simple flag. Looked easy. Turned into chaos. Flags drifted. Values mismatched. Nobody knew what the flag meant. One question changed everything: “What outcome does this category drive?” Suddenly the truth appeared. We did not need their flag at all. We needed the behaviour behind it. Once context moved, the whole design became light. Example 2: A team passed a “specialHandling = true” flag. Simple, right? Except no one knew what “special” meant. The receiving domain did not want the flag. They wanted the treatment. Flags carry data. Air carries intent. And intent is what keeps systems breathable. The lightest architectures are the ones where context moves faster than requirements. Full essay on Systems and Sutras:“The Air Sutra: Architecture That Breathes Instead of Suffocates” 🔗https://lnkd.in/eGhvQ8xp Where in your architecture are teams passing information without passing meaning? #Architecture #EngineeringLeadership #SystemsThinking #DomainDrivenDesign #SystemsAndSutras

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CLSA says the new $100k H-1B visa fee will have a limited margin/earnings impact on Indian IT cos. Hit is seen at just ~0–6% of FY27 PAT, with Persistent systems & LTI Mindtree most exposed. Mitigation: local hiring in the US, near-shore centers, & higher reliance on sub-contractors. 📊 India IT | CLSA | Sept 21, 2025

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