Sanjay Saraf leads YapStone’s technology organization and is responsible for Product Engineering, Infrastructure and Operations, Information Security, R&D, and Product Innovation. In his role, Sanjay is focused on all YapStone product platforms, including global pay-in and pay-out payments platforms, fraud management systems, partner API platforms, and big data and analytics. Prior to YapStone, Sanjay was Chief Technology Officer at Western Union’s Digital Ventures where he led product engineering focused on digital transformation. In his tenure, he led development of an advanced fraud management system, digital payments platform with support for all major global funding methods, global payout platform that connected over 2 billion bank accounts and digital wallets, a massive Hadoop big data platform, and consumer facing web and mobile apps in over 50 countries. Prior to Western Union, Sanjay was VP of eBusiness at Symantec, leading a global eCommerce platform that generated over $2B in revenue. Sanjay holds a Bachelor’s and Master’s degree in Engineering and has authored several patents in digital payments and fraud management.