10 legacy core banking replacement experts
Riyad Bank, HSBC, Citizens, U Microfinance Bank, Banque du Caire, CSB Bank and Bank South Pacific are among the banks where these legacy core banking replacement leaders hold or held program director and head of core transformation titles; one held Head of Core Banking System Data Migration Project from 2012 to 2019. Three name Temenos T24 or Transact work. Banks choosing between a phased migration and a big-bang cutover can test their plan against several programs.
Professionals to explore
Ankit Gupta
LinkedInExperience: Global Information Technology Director - Core Banking Transformation · Trade and Development Bank of Mongolia - TDBM
Accountable for stabilising and delivering a complex Temenos Transact program, Ankit Gupta has been Global Information Technology Director - Core Banking Transformation at Trade and Development Bank of Mongolia - TDBM since 2025. Ankit was Global Head of Non-Financial Risk Technology at SGB (2024-2025) and Group Head of Digital Transformation at Ahli United Bank Group (2022-2024). Ankit, based in Bahrain, fits questions on stabilising a Temenos Transact rollout.
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Eric Laurens
LinkedInExperience: SVP, Head of Core Banking Modernization · Citizens
Since December 2022, Eric Laurens has been SVP, Head of Core Banking Modernization at Citizens, after SVP, Head of Digital Banking there earlier that year. At Investors Bank, Eric was SVP, Director of Online and Mobile Banking (2018-2022) and VP, Project Management Lead - Risk Division (2016-2018). With digital banking and core modernization titles, Eric suits questions on modernizing a bank's core alongside its digital banking.
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Fady Bou-Habib
LinkedInExperience: Former Head of Core Banking System Data Migration Project · Société Générale de Banque au Liban SAL
Fady Bou-Habib was Head of Core Banking System Data Migration Project at Société Générale de Banque au Liban SAL from 2012 to 2019 and Data Migration Project Manager there (2011-2012). Fady has been Project Director at ITSS since 2022 and cites leading end-to-end Temenos T24 / Transact implementations and complex data migration programs. Fady is the clearest match for data migration and cutover questions.
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John Hogan
LinkedInExperience: Program Director, Core Banking Transformation - Retired · Bank South Pacific
John Hogan holds the title Program Director, Core Banking Transformation - Retired at Bank South Pacific, with dates starting in 2010, alongside Senior Advisor - IT roles at BSP Financial Group Limited and Bank South Pacific Limted from 2009. John was VP and CIO at Euronet (2005-2007) and describes running large change programmes, including replacing core systems, as both IT executive and consultant. Good for questions on replacing core systems from both the bank and consultant side.
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Kamlesh Haria
LinkedInExperience: Group EVP Head of core banking and Retail technologies · CSB Bank
Group EVP Head of core banking and Retail technologies at CSB Bank since December 2025, Kamlesh Haria was Sr. EvP Head Core Banking Transformation there (2024-2025). Kamlesh was Group President (2021-2024) and Senior President (2019-2021) at YES BANK, where Kamlesh describes leading core and customer-facing technology initiatives, including a mobile banking revamp. Kamlesh fits questions on core transformation alongside digital channels.
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Martin Dam Petersen
LinkedInExperience: IT Lead Digital Core Running and modernising core systems · Danske Bank
Core bank customer and account systems, with responsibility for 150 people, are what Martin Dam Petersen heads as IT Lead Digital Core Running and modernising core systems at Danske Bank, a title held since June 2026. Martin was also Strategy Partner & Head of Reduce Legacy at Danske Bank (2023-2024) and Operations Director Head of Lunar Invest & Core Bank at Lunar (2019-2022). Martin fits questions on retiring legacy systems while keeping daily services running.
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Pepa Nikolova Mihaylova, MSc
LinkedInExperience: VP Programme Director - Core Banking Transformation · Riyad Bank
Riyad Bank's multi-year core banking transformation programme is the one Pepa Nikolova Mihaylova has led since 2025 as VP Programme Director - Core Banking Transformation. Pepa was Senior Transformation Programme Manager Strategic Projects at Al Salam Bank (2021-2025) and IT Project Manager at Masthaven Bank (2019-2021), and cites core banking modernisation, M&A integration and data migration across the UK and GCC. Pepa fits questions on structuring a multi-year core program.
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Yogesh Kapur
LinkedInExperience: Global Head of Core Banking Transformation · HSBC
Yogesh Kapur became Global Head of Core Banking Transformation at HSBC in August 2025. Earlier HSBC titles are Head of Enterprise Transformation (2021-2024), Programme Director - IT Modernisation (2019-2021) and Programme Director - BREXIT Custody programme (2018-2019), and Yogesh cites work across India, the Middle East and North Africa, Turkey, France and Saudi Arabia. Yogesh suits questions on core replacement across many countries at once.
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Zaheer Ahmad
LinkedInExperience: Program Director - CBS Transformation · U Microfinance Bank Limited
Citing 24+ years of core banking transformation work, Zaheer Ahmad has been Program Director - CBS Transformation at U Microfinance Bank Limited since September 2025. Zaheer held four roles at Khushhali Microfinance Bank Limited from 2019 to 2025, including Head of Governance and Banking Operations (2023-2025) and Head Branch & Application Support and Ops Tech Projects (2022-2023). Ask Zaheer about core replacement at a microfinance bank with a branch network.
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Zeyad Abdelghafar
LinkedInExperience: Sector General Maneger - Head of Core Banking Transformation · Banque du Caire
At Banque du Caire, Zeyad Abdelghafar has been Sector General Maneger - Head of Core Banking Transformation since 2022, after Head of Core Banking Center of Excellence there (2020-2022). Zeyad was T24 Lead Business Consultant as a freelancer (2018-2019) and Banking Applications Advisor at HD Bank (2019-2020), and describes a change management framework that integrates digital channels and satellite systems. Ask Zeyad about connecting satellite systems to a new core.
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Choose the right perspective
For running the whole program, Pepa Nikolova Mihaylova, Yogesh Kapur, Zaheer Ahmad, John Hogan and Ankit Gupta hold program director or global head titles; Kamlesh Haria and Eric Laurens add the view from senior technology executives at CSB Bank and Citizens. For data migration specifically, choose Fady Bou-Habib, and for Temenos implementations Ankit Gupta, Fady Bou-Habib or Zeyad Abdelghafar; Martin Dam Petersen covers keeping legacy core systems running while modernising them.
Questions to take into the conversation
- 01How many mock data migrations did you run before cutover, and what reconciliation checks decided the go or no-go?
- 02How did you keep legacy core and new core in sync during a phased migration, and what broke?
- 03What would you change in a Temenos Transact core replacement plan if you started it again?
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot; roles marked former had ended by then. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.