Product Owner or Product Manager or Director

Preeti Garg

********@*****.*** 201-***-****

US Citizen/FT or Long term/no 3rd party

Sr. Product Owner/Product Manager

Objective

Results-driven and customer-focused professional with extensive experience as an Agile Digital Product Owner, Digital Product Manager, AI, PMO, Product Analyst, Business Analyst, Generative AI Product Manager, Skilled in driving successful in Digital Transformation, Product KPI’s, success metrics and software development by aligning goals with strategic roadmaps, enhancing UX/UI, and leading cross-functional teams. Leverage expertise in delivering innovative solutions, optimizing product performance, and ensuring project success.

Summary

Product Ownership & Agile Expertise: Leading the development and delivery of innovative products, driving business requirements, customer satisfaction, and revenue growth. Proficient in Agile (Scrum, Kanban, Kanban Practitoner, SAFe) and Waterfall, ensuring timely releases, sprint planning, and stakeholder alignment and satisfied customer experience.

Business-to-Development Translation: Transformed business requirements into Epics, user stories, and acceptance criteria, ensuring clear alignment between stakeholders and development teams

Backlog & Roadmap Management: Managing backlog grooming, prioritization, and PI planning, driving continuous product enhancement and working with ART team RTE.

Financial Services & Payments Expertise: Extensive experience in core and digital banking, risk & fraud management, AML/KYC, OFAC, compliance and payments (ACH, Zelle, RTP, SWIFT, Fedwire ISO 20022, NACHA, EPP, GPP, OPF), as well as Life insurance, Insurance, P&C, investment banking, Wealth management, Assest Management and capital markets.

Payment platform experience- Dovetail, FISERV, FIS, GPP, CSI, PepPlus and more.

Experience

BMO Bank of Montreal (It’s a short-term contract, looking FT or LT)

Product Owner/Sr Business Analyst Apr 2025 – Present

As a Sr. Product Owner/Manager leading few projects in Digital Banking of retail deposits, transfers and payments, and part of the full SDLC/PDLC, working on JIRA and confluence, creating epics, features, stories and working with a development team, pre productions, Production and Postproduction. Working with FIS Vendors to add enhancements in BMO ALTO Digital banking using Google cloud and Azure.

Involved in agile methodologies and waterfall depends on the projects, maintaining roadmap and due dates.

Working directly with Stakeholders, executive team, Business Team, directors, cross functional team and taking the lead for PI planning and leading delivery.

As a part of AI team, learning, leading and mentoring the team, educating them about what’s next in AI.

M&T Bank – NY

Sr Product Owner/Manager Aug 2024 – Apr 2025

Senior Product Owner leads four concurrent projects, including Zelle API Payment Platform, Statement Preferences, Internal Transfer Payments, and Fraud RSA Authentication, while overseeing infrastructure, regulatory compliance (AML/KYC), and legacy platform decommissioning (Mainframe to APIM platform). Successfully delivered two major projects.

Driving end-to-end product development, collaborating with business teams, conducting user testing, ensuring alignment with requirements, and maintaining the product roadmap. Managing backlog prioritization, stakeholder negotiations, JIRA story creation, and workflow visualization using Figma, Miro board, and MS Visio. Leading API development for digital banking migration and leveraging ETL, cloud-based tools, SQL, and DB Visualizer for data management.

Actively participating in Agile ceremonies, including Scrum meetings, PI Planning, UAT testing, feature demos, and production deployments. Hosting weekly stakeholder meetings to track progress and ensure successful project execution.

Comptroller CPA.Texas.gov- Consultant-Remote

Sr Product Owner Sep 2023 – July 2024

Led as an Agile Product Owner/PM to build the E-Digital System for the PTAS, enabling property owners, agents, real estate professionals, accountants, and attorneys to appeal for tax relief.

Collaborating directly with stakeholders, development team, developers, treasury team, roadmap planning, UX/UI, UAT testing, feature demos, backlog prioritization, and negotiations, kickoff meetings and production deployments, Scrum ceremonies, creating JIRA stories, workflows diagram using Figma and MS Visio.

Managing post-production defect resolution, assigning tasks to the right resources, creating ServiceNow tickets (INC), and developing performance dashboards to track system efficiency.

Coordinating with vendors for end-to-end payment system integration, including Enterprise Payment Platform (EPP/API), NIC, electronic payment platforms (Credit Card, ACH, RTP, ISO 20022).

FIS Global NJ -Consultant-Remote

Product Manager/Product Owner June 2020 – Aug 2023

Worked with Modern Banking Platform (MBP) and Open Payment Framework (OPF)—cloud-ready core Azure and google cloud banking solutions used by major financial institutions like AMEX and AAA.

Accomplished success managing greenfield product development from concept to scalable delivery.

Collaborated with stakeholders to gather requirements, grooming, prioritizing backlog, sprint ceremonies, workshops, and demos, and document client needs for system design, configuration, and implementation.

Managed diverse banking operations, including retail and business deposit accounts, fraud and risk management, wire transfers, US chips, ACH payments, Fedwire (ISO 20022), debit card transactions, cross-border payments, wire transfer, Swift, bill pay, treasury accounts, retail lending, IRA, 401(k), life insurance, annuities, and back-office processing,

Worked on deposit sub-ledger account management, Cash Managements, transaction posting, multi-currency handling, interest calculations, Treasury, liquidity management, controls, reporting and ad hoc reports.

All core banking, retail deposits, lending, Digital banking, IRAs, Annuities configured and implemented.

FISERV Enterprise Payments Solution, Parsippany NJ

Product Manager/Product Analyst Mar 2019 – May 2020

Payments & Compliance Expertise: Customized Dovetail Payments Platform (DPP) EPP for ACH, RTP, ISO 20022, Fedwire, and SWIFT messaging MX and MT format, using Global Payment Deposit Solution GPDS for cross border transfer ensuring compliance with Fedwire, Fedwire guidelines, risk protocols, and enterprise payment solutions (FIS OPF, Fiserv EPP, PEP+, First Data).

UI/UX Enhancements & Feature Development: Led requirement gathering, backlog refinement, and product increments, ensuring seamless UAT, UI/UX updates aligned with client needs

Salesforce & Payment Integration: Implemented EPP with Salesforce solutions, optimizing customer relationship management, payment processes, and workflow automation.

B2B/B2C Payment Processing & Reconciliation: Managed USNCH clearing channel properties, Fed files, US Chips and Fedwire, TCH, transaction messaging, job batches, return/reject/cancel handling, FCRM, reconciliation, and SEC codes administration.

SE2 INSURANCE BUSINESS PROCESS SERVICES, NJ

Product Owner/Sr. Business Analyst Oct 2017 – Feb 2019

Statement Design & Development developed for insurance and banking clients and delivered quarterly and annually including tax withholding balances and all about retirement products.

Legacy System Migration: Led the migration of legacy platforms to modern systems using FAST and LifeCad Policy Administration platforms. Configured systems for life insurance, reinsurance, annuities, Fixed Income, policy lapses, retirement plans (IRA, 401k), wealth management, tax compliance, and investment management for advisor fees and bonuses.

Client Portfolio: Worked with Global Atlantic, Delaware Life, Prudential, and Wells Fargo, delivering tailored solutions to meet business and compliance requirements.

JP MORGAN CHASE, New York, NY

Product Manager/Product Owner/Sr. Business Analyst 05/2009 – 07/2016

Stakeholder & Product Collaboration: Led a few projects across Retail deposit, Business Banking, overdraft protection, ACH transactions, credit cards, transaction banking, general ledger, deposits, treasury, trade finance, compliance, and digital banking, commercial loans, mortgages, home equity LOC, and capital markets.

Enterprise Project Management: Managed medium to large-scale projects in multi-LOB in fraud prevention, credit & risk management, underwriting, payment processing (Fedwire, ACH, SWIFT), investments (stocks, bonds, annuities), portfolio management, Wealth Management, Estate planning and compliance (AML, KYC, BSA, CTR, SAR, cybersecurity, financial crime surveillance, and market risk).

CRM & Payment Process Optimization: Utilized Salesforce and Oracle to streamline CRM and payment workflows, configuring custom objects, automation, and regulatory reporting to enhance efficiency, compliance, and risk management.

Online Financial Platform Development: Built an insurance, reinsurance, and financial services platform enabling users to access life insurance, mutual funds, fixed income, derivatives, annuities, stocks, and bonds, ensuring adherence to regulatory and risk guidelines.

Education

MBA Post-Graduate, Marketing & Sales Management (BVB Institute of Communication & Mgmt, India)

Bachelor of Computer Science (Kurukshetra University, India)

CERTIFICATIONS and Licence

Generative AI for Product Manager

Certified Scrum/Agile Product Owner (CSPO)

Certified Professional Scrum Master (PSM)

Certified Kanban Foundation and Practitioner (CKFP)

SAFE POPM certification in Process.

NJ Life Insurance and Health Insurance (used to have)

Financial Industry Regulatory Authority -FINRA Lic. Series 6 (used to have)

Uniform Securities Agent State Law- Series 63 (used to have)

Skills

TECHNICAL SKILLS and Knowledge:

Jira, Confluence, Atlassian, Rally, Agile methodology/waterfall/Scrum, SAFE.

Prioritized backlog, refinement, sprint planning, sprint review, retrospective, User stories.

MS Office (Word, Excel, Visio, SQL, python, Visual basis, Oracle Fusion cloud, Saas, PaaS, IaaS, Salesforce, ERP, Azure, PowerPoint), XML, HTML Zena, WinSCP, Db Visualizer, JSON, Share drive, GCP Cloud. AWS, Machine Learning ML.

BRD, FRD, SRD, Flow diagram, data mapping, data analysis, Salesforce, Figma, use case, Roadmaps, KPI, middleware platform, Rest API, FAST, Life cad, People soft, Modern Banking Platform, Kafka, Kabana.

Payments -Fiserv Enterprise Payment Platform EPP, Dovetail Payment Platform DPP, Global Pay plus GPP, PEP+, FIS Open Payments Framework (OPF), Postman.

AI/Machine Learning, chat GPT.

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