2024
Citizens Pay Impact Award
Recognized for impact delivering Citizens Pay — awarded to Nithin Dinakaranrao.
Phoenix, AZ ACAMS Certified 2023
Vice President, Product | AML, KYC, Risk & Compliance Technology
Product executive with experience leading large-scale digital platforms from strategy and roadmap development through technology delivery, launch, and growth. My background spans consumer banking, payments, personal lending, AML, KYC, financial crime, risk, compliance, operations, and enterprise product transformation.
As Vice President of Product, I lead the delivery of a suite of Citizens consumer applications and digital products, including Citizens Pay, personal lending products, and broader consumer banking experiences. I partner across product, engineering, design, operations, risk, compliance, and business teams to deliver secure, scalable, and customer-focused capabilities across web, Android, and iOS.
I bring a strong go-to-market mindset supported by deep technical and operational leadership experience. I have led complex cross-functional programs, translated customer, business, and regulatory requirements into product capabilities, and delivered products across highly regulated financial-services environments.
My earlier experience across AML, investigations, transaction monitoring, sanctions, KYC, risk assessment, fraud, regulatory engagement, and financial-crime transformation enables me to bridge product strategy with compliance, data, technology, and operational execution.
I combine enterprise product leadership with a strong intrapreneurial mindset, enabling me to launch new products, modernize established platforms, and lead teams from concept through execution and scale.
15+
Years of product & technology expertise
Product leadership across large-scale platforms—from strategy and roadmaps through delivery—spanning AML, KYC, risk, compliance, payments, and digital product innovation.
Recognition for product leadership and delivery — Citizens Pay and beyond.
2024
Recognized for impact delivering Citizens Pay — awarded to Nithin Dinakaranrao.
2024
Product Launch Team recognition for Citizens Pay Flex.
Technology accomplishment recognition.
Udemy
Coursera
Harvard Business School
Citizens Bank · Phoenix, Arizona
01.2021 – Current
American Express · Phoenix, Arizona
08.2012 – 12.2021
Silicon Valley Bank, American Express · Bangalore, India
06.2010 – 07.2011
Citizens Bank
01.2021 – Current
American Express
08.2012 – 12.2021
Silicon Valley Bank, American Express
06.2010 – 07.2011
NIMT
01.2016
SRM University
05.2010
NIMT
Greater Noida · 01.2016
SRM University
Chennai, Tamil Nadu, India · 05.2010