Cross-Border by Design: Regulation as the Great Connector

M Sivakumar leads legal and regulatory strategy for Sumsub across APAC, focusing on payments, transaction monitoring, KYC/KYB, and crypto compliance. He advises product, business, and policy teams on emerging financial crime risks and regulatory frameworks, helping scale Sumsub’s solutions in complex jurisdictions.

Prior to Sumsub, Siva held senior legal roles at Binance, foodpanda, and Paytm, where he spearheaded licensing, AML/CTF design, and market entry for payment and fintech products across Southeast Asia, South Asia, and LATAM. His work includes legal structuring of wallets, cross-border payments, co-branded cards, and recurring crypto payment features, with deep involvement in MAS licensing, PSA compliance, and transaction monitoring frameworks.

Siva is based in Singapore and with over a decade of cross-border fintech experience.