Portrait of Aaden Nithin DinakaranRao

AADEN NITHIN DINAKARANRAO

Phoenix, AZ ACAMS Certified 2023

Vice President, Product | AML, KYC, Risk & Compliance Technology

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Summary

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.

Overview

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.

Recent Awards

Recognition for product leadership and delivery — Citizens Pay and beyond.

Citizens Pay 2024 Impact Award crystal plaque for Nithin Dinakaranrao

2024

Citizens Pay Impact Award

Recognized for impact delivering Citizens Pay — awarded to Nithin Dinakaranrao.

Citizens Pay Flex Product Launch Team award plaque for Nithin Dinakaranrao

2024

Citizens Pay Flex — Product Launch Team

Product Launch Team recognition for Citizens Pay Flex.

Recent — Last 5 Years

Tech Development Award plaque

Tech Development Award

Technology accomplishment recognition.

Dart programming language certificate

Dart programming language

Udemy

Learning Google Firebase for Flutter certificate

Learning Google Firebase for Flutter

LinkedIn

Adobe XD mobile app design certificate

Designing and Prototyping a Mobile App with Adobe XD

LinkedIn

AWS CloudFront Coursera certificate

AWS Cloudfront: Serve content from multiple S3 buckets

Coursera

Google Crash Course on Python certificate

Crash Course on Python

Google

Harvard Business School People Leader certificate

People Leader

Harvard Business School

Work History

Vice President of Delivery

Citizens Bank · Phoenix, Arizona

01.2021 – Current

Compliance Manager and Head Product Owner

American Express · Phoenix, Arizona

08.2012 – 12.2021

Lead

Silicon Valley Bank, American Express · Bangalore, India

06.2010 – 07.2011

Timeline

  1. Vice President of Delivery

    Citizens Bank

    01.2021 – Current

  2. Compliance Manager and Head Product Owner

    American Express

    08.2012 – 12.2021

  3. Lead

    Silicon Valley Bank, American Express

    06.2010 – 07.2011

  4. MBA — Finance

    NIMT

    01.2016

  5. Bachelor of Science — Information Technology

    SRM University

    05.2010

Education

MBA — Finance

NIMT

Greater Noida · 01.2016

Bachelor of Science — Information Technology

SRM University

Chennai, Tamil Nadu, India · 05.2010

Skills

  • Product ownership for AML, KYC, and financial-crime platforms
  • Product strategy, vision, and multi-year roadmap development
  • Technology stewardship across compliance and risk platforms
  • AML transaction monitoring product design and delivery
  • KYC / Enhanced Due Diligence capability ownership
  • Client risk ranking and compliance risk assessment products
  • Customer behavioral profile design for financial crime detection
  • Enterprise fraud management product portfolios
  • Financial crime transformation — ideation through enterprise rollout
  • Anti-Money Laundering (AML) compliance product enablement
  • Regulatory engagement and exam-ready product controls
  • Policy development translated into product requirements and workflows
  • Data strategy and data stewardship for risk and compliance domains
  • Data analytics and investigations tooling for financial crimes
  • Machine learning product oversight for monitoring and risk models
  • Fintech integration and platform partner delivery
  • Quality assurance, UAT, and release governance for regulated products
  • Backlog prioritization, OKRs, and value-based roadmap trade-offs
  • Cross-functional leadership across product, engineering, risk, and compliance
  • SAFe Agile Product Owner practices in large regulated environments