Managing Director, Treasury Services
JP Morgan Payments
Kush is the Global Product Head of Emerging Payment Rails (Real Time Payments, Push to Card, Push to Wallet, Cross Border Instant Payments, Prepaid Card, and Pay-by-Bank) at JPMorgan, a rapidly expanding sector transforming how businesses and consumers move money, and now cross-border. With an emphasis on innovation, market expansion, and operational excellence, he plays a critical role in scaling instant payment solutions to meet the rising demands of clients and financial ecosystems globally, ensuring JP Morgan remains a leader in this space.
Kush also leads the Global Treasury Services Payment Rails Platform Team focusing on platform experience, product delivery and governance, and strategic cross-rail initiatives, across Wires, ACH, FX, and emerging rails. He is responsible for defining the payments platform strategy, modernizing legacy systems, market expansion into new markets, and optimizing and scaling end-to-end flows to enable seamless, secure, and efficient execution of payment transactions globally.
Kush has held numerous roles at JP Morgan. Before joining Treasury Services, he served as the CFO and Head of Transformation for Payments Product and Technology. He also held positions as the Head of Finance for Digital & Platform Services and the firm-wide Head of Technology Investment Governance. Kush joined JP Morgan in 2018 as part of the Central CIB Strategy team. Before his time at JP Morgan, Kush spent a decade at Barclays in various COO, CFO, and Strategy roles across Global Markets Sales and Trading businesses, including three years based in Hong Kong. He began his career at Deutsche Bank, working across New York, London, and Frankfurt.
Kush is also an adjunct faculty member at the Zicklin School of Business, Baruch College, part of the City University of New York, where he recently taught a course on Innovation in the B2B Payments Landscape.
Kush holds an MBA from Columbia University, a Master’s degree in Telecommunications Management, and a Bachelor’s degree in Computer Engineering.
Instant payments are rapidly becoming foundational to modern banking—but access to rails like RTP and FedNow is no longer the differentiator. The real competitive advantage is shifting to orchestration. As payment flows fragment across multiple domestic and cross-border networks, banks must intelligently route transactions, manage real-time liquidity, embed fraud and identity decisioning, and deliver seamless customer experiences—all in milliseconds.
This panel brings together senior banking leaders to explore how orchestration is emerging as the control layer for instant payments. The discussion will examine how institutions are balancing speed with risk, integrating treasury and payments functions, and rethinking their technology stacks to avoid fragmentation and vendor lock-in. Panelists will also address where new value is being created—from data and premium services to AI-driven routing—and how banks can position themselves to compete in an ecosystem increasingly shaped by fintechs and real-time network operators.
At stake is a critical question: will orchestration become a core banking competency—or a commoditized layer controlled by others?