Arun Palanisamy

Across more than sixteen years in the payments industry, Arun Palanisamy has built a career around a discipline where failure is public, regulated, and expensive: keeping transaction ecosystems secure, compliant, and operationally resilient at scale. In his current role as Subject Matter Expert and Payment Networks Support Specialist/Lead at Incomm Payments, he carries senior responsibility for payment processing platforms that span retail, restaurants, automated fuel dispensers (AFD), e-commerce, and transit use cases—environments where high volume, low latency, and strict network mandates are non-negotiable.

Palanisamy operates across both issuer and acquirer ecosystems and works directly with the major card networks—Visa, Mastercard, American Express, and Discover—as well as with large processor and gateway landscapes, including integrations tied to Fiserv (First Data) and Worldpay. His day-to-day remit sits at the intersection of technical architecture, network certification, fraud and risk controls, cryptographic enforcement, and production operations. That combination—network-level engagement plus platform-level execution—places him in the role of translating standards into working systems and translating incidents into durable controls.

His technical depth is anchored in the practical standards of modern payments: ISO 8583 message flows, EMV specifications and card-interface standards (including ISO 7816/14443), and emerging rails and messaging standards such as ISO 20022. On the security side, he has specialized experience with HSM-based cryptographic controls, including Thales and Atalla ecosystems and Keyblock frameworks—core components in ensuring keys, tokens, and sensitive payment elements remain protected under compliance regimes. Complementing this, his domain focus extends to mobile and cloud payments, 3D Secure authentication, tokenization strategies that work across networks, and faster/real-time payments—capabilities increasingly central to both risk reduction and consumer experience.

Within Incomm Payments, Palanisamy has led initiatives that target fraud reduction while preserving conversion and operational throughput. A standout example is the Dateless Prepaid Card program—an EMV-compliant, NFC-enabled physical prepaid card designed with no printed PAN, CVV, or expiration date, reducing the value of the physical artifact to fraud actors. Delivering this required both engineering execution and careful coordination of certification across payment networks. In parallel, he has driven enterprise fraud detection improvements by incorporating behavioral and contextual signals—such as location consistency, velocity patterns, shipping attributes, merchant risk scoring, and geofencing—into a unified framework intended to reduce chargebacks while improving approvals.

He has also been involved in foundational platform modernization work, including implementing 3D Secure capability on e-commerce gift card flows and enabling tokenization across major mobile wallets and wearables. Beyond product and risk controls, his influence extends into operational resilience: helping drive data center consolidation and active-active processing designs that improve uptime and reduce latency, while strengthening cryptographic posture through migration of Keyblock controls into HSM-backed implementations.

Earlier in his career at Accenture US Technology Solutions supporting First Data, Palanisamy served in production support leadership for real-time redemption platforms integrated with digital wallet ecosystems, reinforcing a through-line in his career: payments systems are only “innovations” if they remain stable, secure, and certifiable under real load.

He reinforces this practice with formal credentials—including ETA Certified Payments Professional and ITIL v3/2011 certifications across lifecycle domains—reflecting a professional profile that combines deep payments engineering with operational governance and service reliability discipline. Taken together, Palanisamy’s work illustrates a sustained focus on advancing payment security, certification readiness, and platform resilience across complex multi-network environments.