

Aparna Thakur
Lead Business Execution Consultant
Northlake, Texas, United States
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Aparna is a distinguished Senior Software Automation Engineer with over 8 years of specialized experience in banking and payments applications, currently serving as a technical leader at Wells Fargo. With advanced degrees including a Master's in Computer Science from San Francisco Bay University and a Master's in Information Systems Security from the University of Cumberlands, she brings both deep technical expertise and academic rigor to her work in financial technology.
As the SWIFT test lead for multiple critical projects, Aparna has orchestrated end-to-end integration testing across 53 interfacing systems, managing the complex transition from legacy MT messaging standards to ISO 20022 MX formats. Her technical leadership encompasses over 42 million annual SWIFT transaction validations, where she has developed sophisticated routing logic, implemented robust duplicate prevention mechanisms, and integrated real-time sanction scanning capabilities that ensure 99.7% regulatory compliance.
Aparna's expertise in ethical AI implementation within payment infrastructures stems from her hands-on experience with advanced message processing systems, including PACS, CAMT, and ADMI message types across T2 RTGS and CBPR+ networks. She has successfully designed and deployed automated testing frameworks that validate payment message integrity across 15 different regional markets, ensuring bias-free transaction processing for underserved populations.
Her technical portfolio includes extensive work with cloud migration strategies, having led the successful transition of critical payment applications to Pivotal Cloud Foundry while maintaining zero downtime for customer services. Through her development of automated reconciliation systems processing millions of bank-to-bank transactions, she has contributed to reducing operational compliance costs by implementing intelligent matching algorithms and comprehensive audit trails.
Currently pursuing research in ethical AI guardianship for global payment systems, Aparna combines her practical experience in SWIFT messaging, ISO 20022 standards, and regulatory compliance with innovative approaches to eliminate bias in financial inclusion technologies. Her work bridges the critical gap between technical implementation and social responsibility in the evolving landscape of global payment infrastructures.
Aparna's presentations offer conference attendees unique insights from someone who has implemented the very systems that process billions in global payments daily, while actively developing the next generation of bias-free financial inclusion technologies.
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Aparna Thakur
Lead Business Execution Consultant
Northlake, Texas, United States
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