Founder · Chief Technology Officer · AI Strategist

Building the
agentic layer
of fintech.

17+ years across BFSI and FinTech, building intelligent systems that solve complex, real-world business challenges — LLM & agentic AI platforms for compliance, screening, behavioural intelligence and regulated finance.

My bet The next five years of fintech will be won by the team that makes AI auditable — not the team that makes it smarter.

Kochi, Kerala · India PSPO® · CSM® Open to advisory & collaboration
Book a 30-min call See AI products shipped
Hameed Sulthan portrait
Available · Q3 2026
Currently
Agentic AI
17+ yrs
BFSI & FinTech
Building
Multi-agent
Built for
Tier-1 GCC banks • UAE payments processors • Cross-border money exchanges • RegTech challengers
Regulatory perimeter
UAE Central Bank • FATF guidance • OFAC / UN / EU sanctions • RBI
[ 01 — ABOUT ]

A technologist who treats learning as a daily practice.

Profile

I'm a Founder and Chief Technology Officer working at the intersection of artificial intelligence, scalable system architecture and enterprise software — with a strong builder mindset and deep technical curiosity.

Over the last 1.5 years I've led the ground-up build of an AI compliance & intelligence suite — AML Compliance Copilot, AI/ML Name Screening Engine, Behavioural Intelligence Platform and AI-driven KYC & EDD tooling — now used by compliance teams across financial institutions.

Alongside product, I drive adoption of AI-native development tools — Claude Code and Cursor — across engineering, architecture, design and testing.

A continuous learner at heart. Building apps and solutions for complex challenges using new technologies is genuinely my hobby — I learn by shipping, and the same loop runs every week: learn, improve, create, repeat.

Continuously learning, continuously improving, and continuously creating technology that delivers measurable value.
[ 02 — EXPERTISE ]

A stack tuned for scalable AI in regulated environments.

AI & Machine Learning

The foundation: language, reasoning and explainability.

  • Large Language Models (LLMs)
  • Agentic AI systems
  • NLP & Transformers (RoBERTa)
  • Named Entity Recognition
  • Explainable AI — SHAP, LIME

Intelligent Systems

AI applied where it counts — investigation, screening, risk.

  • AI copilots & CUI
  • Entity resolution
  • Graph intelligence
  • Behavioural analytics
  • AI-assisted decision support

Software Engineering

17+ years shipping production systems across BFSI.

  • Python & FastAPI
  • JavaScript / TypeScript · Angular
  • .NET Core
  • Microservices · Event-driven
  • Cloud-native design

Data & Infrastructure

The substrate — storage, search, streaming, scale.

  • Vector DBs & embeddings
  • Graph DBs · Knowledge graphs
  • SQL / NoSQL · Elasticsearch
  • Docker · Kubernetes
  • Kafka · Redis
[ 03 — SELECTED WORK ]

Platforms that put AI inside the compliance perimeter.

Finch Innovate · Flagship

AML Compliance Copilot

AI-powered copilot for Anti-Money Laundering workflows. Enables 50+ analysts to investigate, summarize and act on alerts through natural-language interfaces — cutting average investigation time by 60%.

50+
Analysts using daily
−60%
Avg investigation time
CUI
Natural-language UX
Measured across compliance teams at a Tier-1 GCC banking client · 2025
View architecture
Finch Innovate · Screening

AI/ML Name Screening Engine

NLP + entity resolution matching customers against global sanctions and watchlists, architected for accuracy under noise.

98%
Match accuracy
6.5%
False positive rate
2×
Throughput vs prev.
Benchmark vs prior engine on the client’s production screening volume
Finch Innovate · BFSI Clients

Behavioural Intelligence Platform

AI/ML-powered behavioural analytics for BFSI — real-time detection of anomalous financial activity and risk patterns across customer transaction profiles.

Finch Innovate · Onboarding

AI-Powered KYC & EDD Insights

AI-driven Know Your Customer and Enhanced Due Diligence tooling — automating risk scoring, document analysis and insight generation for onboarding and ongoing monitoring.

3+ hrs
Saved per case
EDD
Auto risk scoring
DOC
Intelligence
Time-to-decision measured against the team’s prior manual workflow
Organization-wide initiative

AI-Native Engineering Culture

Drove full-team adoption of Claude Code and Cursor across engineering, UI/UX design and testing — accelerating delivery cycles and lifting output quality across the SDLC.

SDLC
End-to-end coverage
3
Disciplines aligned
[ 03b — ALSO BUILDING ]

Shipped & in-the-workshop — graduating from the Lab into production.

Fintech · LLM

TM Rule Recommender

LLM-driven engine that drafts and recommends transaction-monitoring rules from typology descriptions, historical alerts and regulator guidance — with explainable backtests before deployment.

LLMRule synthesisBacktesting
Business · Agentic

Lead & Research Agent

AI agent for the business team — autonomously sources qualified leads, enriches them with market context, and assembles research briefs ready for first outreach.

Multi-agentWeb researchCRM hooks
Voice · On-device

Voice Cloner for Live Support

Local-model voice cloning for life-like support-agent personas — latency-bound and privacy-first, running on-device so caller audio never leaves the perimeter.

Local modelsLow-latency TTSPersona cloning
RAG · Qdrant

Qdrant RAG Chatbot

Retrieval-augmented chatbot grounded in a Qdrant vector store — semantic search over enterprise docs, with citation-anchored answers and reranking.

QdrantRAGCitation grounding
Knowledge · RAG

Embeddings Knowledge Engine

Vector-embedding-based RAG engine that turns scattered enterprise knowledge bases into a single, queryable substrate — with chunking, hybrid search and freshness controls.

EmbeddingsHybrid searchChunking
More on the bench

The pipeline never empties.

A rotating set of experiments lives in the Lab — some graduate into products, most teach me what doesn’t work. Always happy to compare notes.

Get in touch
[ 04 — JOURNEY ]

Seventeen years, one through-line: intelligent systems in regulated finance.

From VB6 in Chennai (2009) → .NET payments teams across Dubai & the GCC (2011–23) → AI compliance products in Kochi (2023–present). Each step roughly doubled scope — the work moved from feature to product to platform to portfolio.

Apr 2026 — Now
Chief Technology Officer Now
Finch Innovate · Kochi
→
Oct 2025 — May 2026
Chief Product Officer
Finch Innovate · FinTech / RegTech
→
Oct 2024 — May 2026
Head, Product Development
Finch Innovate · Kochi, Kerala
→
Jun 2023 — May 2026
Head of Product Development
Cinque Technologies · UAE
→
Sep 2020 — May 2023
Software Development Manager
Cinque Technologies · Dubai
→
Sep 2019 — Sep 2020
Tech Lead (IT) · New Initiatives
Cinque Technologies · Dubai
→
Oct 2017 — Sep 2019
Tech Lead (IT) · Client Relations
Cinque Technologies · Dubai
→
Mar 2011 — May 2017
Computer Programmer → Team Lead
Cinque Technologies · Dubai
→
Feb 2009 — Dec 2010
VB6 & SQL Developer
Repute InfoTech & Enterprises · Chennai
→
[ 05 — CREDENTIALS ]
Professional Scrum Product Owner I
PSPO® I
Scrum.org · verified on Credly
View credential
Certified Scrum Master
CSM®
Scrum Alliance
Project Management Essentials Certified
PM Essentials
Management Concepts
Education
Bachelor’s in Computer Science
Jamal Mohammed College · Tiruchirappalli, Tamil Nadu · 2006 – 2009
Honors & Awards
  • Management Award
  • Management Appreciation × 2
  • Client Appreciation
  • Employee of the Month
Languages
  • English — Full Professional
AI & ML Certifications
Agile & Project Management
  • Professional Scrum Product Owner — PSPO®
  • Certified Scrum Master — CSM®
  • Project Management Essentials Certified
  • Scrum Foundation Professional Certificate
  • Agile Development Practices
06 — The Lab · Continuous Learning

Most of what now runs in production started as a Saturday prototype.

I keep a personal R&D track — active exploration of emerging AI architectures, intelligent automation and next-generation enterprise systems. The loop is unchanged: learn by shipping, then move it into the product when it earns its place.

Top skill
Orchestration
Composing LLMs, tools and retrieval into reliable agentic workflows for regulated environments.
Top skill
Conversational UI
Designing CUIs that turn complex compliance tasks into a single, auditable conversation.
Top skill
Multi-agent systems
Specialist agents that plan, critique and hand off work — with humans in the loop where it matters.
Now exploring
AI-native SDLC
Claude Code & Cursor across engineering, design and QA — lifting both throughput and code quality.
[ 07 — GET IN TOUCH ]

Let’s build the agentic
layer of fintech.

Currently open to: CTO mandates at Series B+ fintechs scaling AI into regulated workflows, advisory engagements with banks and RegTech leadership teams adopting agents, and strategic AI reviews. The more regulated the problem, the better.

Send a message
Goes directly to ham33d@outlook.com
Book a 30-min call ham33d@outlook.com LinkedIn /in/ham33d Direct line +91 88074 17500 Based in Kochi, Kerala · IN