
George Vettiyil Thomas
Verified Expert in Engineering
Enterprise Application Architect and Developer
Dubai, United Arab Emirates
Toptal member since February 17, 2026
George is a banking architect and technology leader with 20+ years of experience in enterprise modernization, cloud and middleware transformation, AI/ML integrations in banking and other institutions, and driving tier-1 banking mergers. He aligns technology strategies with business goals while ensuring compliance and operational efficiency. George is committed to advancing innovation and delivering measurable outcomes through executive-level leadership and disciplined architecture governance.
Portfolio
Experience
- Banking and Financials - 18 years
- Enterprise Architecture - 10 years
- API Management - 7 years
- Middleware - 7 years
- Azure - 5 years
- Cloud Architecture - 5 years
- Solution Architecture - 5 years
- Prompt Engineering - 1 year
Preferred Environment
Enterprise Architecture, Azure, API Management, Solution Architecture, Blockchain, Data Visualization, Artificial Intelligence (AI), Prompt Engineering, IBM Enterprise Service Bus (ESB), AWS Outposts
The most amazing...
...: I architected a blockchain-based cross-border payment solution for First Abu Dhabi Bank, improving transaction speed by 3x and operational efficiency by 60%.
Work Experience
Development Lead | Enterprise Application Architect – AI, ML, & Data (via iConnect101 Ltd)
Maduro & Curiel's Bank
- Led the modernization of the enterprise data platform architecture using cloud-native data pipelines, improving scalability, reducing data processing latency, and enabling future-ready platform and analytics capabilities.
- Built visual customer interaction through modern graphical representation and intelligent anti-money laundering (AML) auto-closure, helping the compliance team to work efficiently and reduce turnaround time.
- Reviewed and studied the current enterprise data warehouse (EDW) implementation, understood current technical difficulties and gaps, and corrected current issues and technical challenges.
Unit Head | Lead Architect – Enterprise Application
Commercial Bank of Dubai
- Delivered an enterprise ERP transformation to a SaaS model aligned with the organization's strategy, platform selection, RFP/RFQ, and process—doubling processing efficiency, reducing operating costs, and establishing a scalable, future-ready system.
- Stabilized a mission-critical application by resolving long-standing availability and latency issues, achieving 99% uptime, improving performance by 70%, and restoring operational reliability for business-critical services.
- Stabilized and modernized a fragmented application landscape by assuming ownership of a $5 million portfolio of around 10 multi-tier enterprise applications, aligning application and capability modernization.
- Built and led a high-performing team mentoring architects, engineers, and vendors, reducing delivery iterations and strengthening architectural discipline.
- Led and collaborated with cross-functional teams, multiple vendors, and senior stakeholders to understand business and technical requirements, translating them into successful deliveries aligned with the organization’s strategic vision.
- Migrated enterprise middleware and business process engines in line with enterprise architecture best practices to a hybrid, secure, and compliant platform—enabling scalable API-led transaction processing and meeting regional regulatory requirements.
Architect Manager – Corporate Banking & Middleware
First Abu Dhabi Bank
- Developed middleware architecture for the Middle East's largest bank, encompassing capability analysis, technology choice, and future-ready implementation.
- Served as a permanent member of the organization’s digital innovation team and Architectural Review Board, contributing to strategic design decisions, technology governance, and enterprise-wide standards alignment.
- Architected a white-labeled application—the first of its kind in the Middle East—for their small- and medium-sized enterprise (SME) clients.
- Served actively on the enterprise architecture steering committee for the merger of two of the country's largest banks, providing strategic architectural governance and enabling the formation of one of the Middle East’s largest banking institutions.
Group Leader – Integration
National Bank of Abu Dhabi (now First Abu Dhabi Bank)
- Architected and delivered a 1st-of-its-kind blockchain-based inter- and intra-bank payments platform in the region, generating measurable business ROI, better settlement efficiency, and extending value to customers with faster, secure transactions.
- Re-architected and modernized a legacy, home-grown middleware to a future-ready, scalable SOA-based integration platform using IBM Middleware, improving resilient, extendable, enterprise integration capability.
- Designed and implemented a high-performance payment transaction platform with direct integration to core business applications, enabling end-to-end straight-through processing and eliminating key pain points in real-time payment execution.
System Analyst
Emirates NBD
- Performed implementation, troubleshooting, enhancement, and performance tuning of solutions, including requirements analysis and process and solution design.
- Customized and implemented a new core banking application named EBA, an AS400-based application, for their banking operations in Saudi Arabia.
- Analyzed and delivered a call center agent support application by integrating Avaya telephony systems with customer financial data, enabling real-time call-landing assistance, improved agent productivity, and more accurate, context-aware data.
Experience
Enterprise Application Architecture – AI, ML, & Data | Development Lead
• Spearheaded the transition from legacy campaign analytics to an enterprise-grade AI operating model, establishing architectural standards, AI adoption, and cloud governance—improving analytics capabilities by 60%.
• Led the modernization of the data platform, using a cloud-native data pipeline architecture to improve service availability by 90% and operational efficiency by 35%.
• Established data visualization capabilities, creating dashboards using Power BI to support decision-making and enhance productivity by 40%.
• Acted as the architecture authority, mentoring architects through design reviews, improving the team’s maturity.
• Communicated effectively with senior stakeholders to translate pain points into a capable ROI based solution, with process correction.
Enterprise Application Architecture | Unit Head
• Resolved recurring availability and latency issues by leading cloud and platform modernization and API optimization initiatives, improving application uptime by 99% and performance by 25% across strategic platforms.
• Stabilized and modernized a fragmented application landscape by assuming ownership of a $5 million portfolio of around 10 multi-tier enterprise applications, aligning application and capability modernization priorities with business goals and driving measurable cost and efficiency gains.
• Partnered closely with senior leadership and business stakeholders, translating requirements into scalable architecture decisions aligned with enterprise standards and roadmap.
• Provided executive-level governance across projects and vendors, overseeing delivery quality, controlling scope, minimizing rework, and ensuring outcomes through strong stakeholder and vendor management.
• Built and led high-performing teams, mentoring architects and engineers, and creating a sustainable leadership pipeline, improving performance by 40%.
Architect Management | Corporate Banking & Middleware
• Defined enterprise integration and microservices architecture standards, identifying reusable capabilities across business streams and guiding platform rationalization and migration from monolithic integrations to scalable microservice-based implementations.
• Architected corporate and wealth banking integration platforms, delivering high-performance customer and payment systems that increased business productivity by 30% and improved client experience at scale.
• Drove Cloud Smart and multi-cloud adoption strategy, enabling scalability, better resilience, and faster time-to-market for integration and digital banking transformation capabilities.
• Served as a member of the Architecture Review Board and digitization team, establishing architectural guardrails, enforcing best-practice governance, and designing and delivering the bank's first SaaS white-labeled budgeting platform, generating 20% revenue growth while enabling low-cost digital services for SME customers.
Group Leadership | Integration
• Delivered complex, regulator-facing banking solutions, spanning AML compliance platforms, digital channels, and blockchain-based cross-border payment systems, working closely with business leaders, regulators, and strategic vendors.
• Acted as key integration and solution lead, translating regulatory, security, and business requirements into scalable system and middleware designs aligned with enterprise architecture standards.
• Led enterprise-wide middleware transformation, replacing legacy integration platforms with future-ready middleware technologies, improving scalability, resilience, and alignment with long-term digital strategy.
• Partnered with enterprise architecture and senior stakeholders, ensuring cross-domain alignment, reduced integration risk, and successful adoption of new capabilities across the organization.
System Analysis
• Customized and implemented a new core banking application EBA for their new banking operations in Saudi Arabia.
• Developed a call center for a bank in collaboration with Avaya.
Education
Master's Degree in Computer Science and Management
University of Pune - Pune, India
Certifications
Oracle Cloud Infrastructure AI Foundations
Oracle
ChatGPT Prompt Engineering
OpenAI
G42 Cloud Solution Architect
G42
TOGAF 9.2
The Open Group
IASA Certified
IASA
Skills
Tools
Oracle Cloud Infrastructure (OCI) Generative AI, Microsoft Power BI, AppDynamics, Microsoft Dynamics CRM, Kong, IBM MQ, AWS Outposts, Postman, Control-M, Crystal Reports
Platforms
Azure, Blockchain, Mule ESB, SharePoint 365, Oracle Database, IBM WebSphere, AWS IoT
Frameworks
TOGAF, ADF, .NET 7, AWS HA, .NET 3, .NET 2, .NET
Paradigms
Management, Event-driven Architecture
Storage
SQL Server Integration Services (SSIS), Data Pipelines, Azure SQL Databases, PostgreSQL, Sybase
Languages
Java, Python 3, ESQL
Other
Cloud Architecture, Enterprise Architecture, Middleware, API Management, Solution Architecture, Banking and Financials, Enterprise Application Development, Architecture, Cross Border Payments, Application Modernization, Enterprise Data Warehouse (EDW), Data Architecture, Prompt Engineering, Data Visualization, Artificial Intelligence (AI), Microsoft Dynamics Great Plains (GP) ERP, OpenText, Oracle HRMS, IBM Enterprise Service Bus (ESB), Wealth Management, Corporate Banking, G42 Cloud, Core Banking Systems, Core Banking System FrontEnd, Sybase Database, Distributed Ledger Technology (DLT), Enterprise Application Design, Planview, APIs, IBM Integration Bus (IIB)
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