Vikram specialises in technology transformations, and has led a number of projects in this area – the replacement of the corporate banking platform in India, the retail banking platform in Indonesia, and the credit card platform in Japan. Most recently, as the Regulatory and Cross-Enterprise Transformation Lead, APAC at Citibank, he oversaw the move of the regional data centre located in Singapore. In this role, he is responsible for the oversight and delivery of key regulatory, and cross-franchise and strategic projects in APAC. Prior to this, he was the CIO and Operations & Technology Head, APAC at Citibank. Vikram has been with Citibank for over 29 years, and has held a number of roles in sales, customer service and product management, as well as operations and technology. In the O&T domain, he has worked across credit card operations, retail banking, cash management, trade services, custody and treasury operations, and capital markets operations. Vikram is also active as an advisor on multiple boards of finance committees. He was a key member of the Securities & Exchange Board of India STP committee, which introduced electronic contract notes for the Indian equity markets, and was a member of the Reserve Bank of India Committee on Computer Audits for Banks, which issued a standardised checklist for banks' IS audits. He was also a committee member of the Technology & Operations forum of the Foreign Banks Association of Indonesia. He is presently a member of the Board of Advisors for the SMU School of Information Systems, Singapore, and on the Board of Advisors of CreditEnable, an SME credit marketplace. He has a BSc in Physics from Loyola College, Madras, India, as well as an MSc in Information Technology from the University of Stirling, Scotland, and an MBA from the University of Texas at Austin.