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Balaji I. has over two decades of experience in technology architecture and leadership, primarily in the banking and financial services sectors. Currently serving as the CTO Lead Architect for Fraud at Barclays since January 2010, Balaji I. advises on strategy and solutions across various domains including Fraud, Credit Card Issuing, and Consumer Lending, while also providing leadership to project architects to develop scalable and secure architecture. Previously, Balaji I. held the position of Vice President and Lead Solutions Architect for Barclaycard Germany, where innovation was fostered through the implementation of cloud computing and microservices architecture. Prior roles include AVP at Citigroup, focusing on B2B integrations and governance frameworks, and Lead Developer at Celestica, specializing in application integration. Balaji I. holds a Master of Computer Applications from Gujarat University and a Bachelor of Science in Mathematics and Statistics from St. Xavier's College.