Ashutosh Pal is an Engineering Manager at Green Dot Corporation in Austin, TX, with over 20 years of experience in banking, fintech, and payment processing. He led the engineering of Samsung Wallet's "Tap to Transfer" P2P payments integration — architecting real-time money-movement infrastructure that serves millions of users at a 99.9% transaction success rate — and builds embedded-finance and Banking-as-a-Service platforms on Green Dot's Arc platform. His current work and research focus on compliance-aware guardrails for AI-assisted software development in regulated codebases, the subject of his recent paper "Governing the Machine in the Loop." He is an IEEE member, holds Microsoft Azure certifications, and has led distributed engineering teams of 35+ across three continents.