Sanjay Saraf is SVP & CTO, Digital and B2B at Western Union. In this role, Sanjay is leading Digital Product Engineering that includes web and mobile money transfer, global digital payments, fraud and risk management, and big data platforms. Sanjay is also leading Western Union's WU Connect API platform that is powering P2P capability embedded within leading social media messaging platforms. In addition, Sanjay is also leading Product Engineering for delivering FX and Payment products for global B2B customers. Sanjay has been with Western Union since 2012. Prior to Western Union, Sanjay was Vice President of eBusiness Services at Symantec, responsible for building a large eCommerce platform that did over $2B in annual revenues. Before Symantec, Sanjay has worked for several years in business strategy and management consulting at leading firms like Accenture. Sanjay has a Bachelors and Master's degree in Chemical Engineering.