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Viral Naik is a seasoned technology executive with extensive experience in engineering and financial services. Currently serving as Senior Director of Engineering at Ripple since January 2018, Viral's prior roles include Senior Vice President and Business Executive-Technology at Bank of America, COO and Head of Change at Barclays Corporate Banking, Executive Director at JPMorgan Chase, and Program Manager at Citi. With a strong background in program management and business management within fixed income IT and transaction services IT, Viral holds a Bachelor of Engineering in Electronics Engineering from the University of Mumbai.