Our Unique Value Proposition
Regulatory Expertise: Deep understanding of banking regulations and fintech compliance requirements gained through direct experience with regulatory agencies and financial institutions.
Technical Proficiency: Hands-on experience with banking technology, payment networks, and fintech platforms enabling practical, implementable solutions.
Strategic Thinking: Ability to balance innovation with risk management, ensuring sustainable growth while maintaining regulatory compliance.
Industry Relationships: Extensive network of banking, fintech, and regulatory contacts facilitating faster partnership development and problem resolution.
Proven Results: Track record of successful implementations, regulatory compliance maintenance, and partnership facilitation across diverse client engagements.
Our Commitment
We are committed to empowering financial institutions and innovative companies to thrive in the digital economy by providing strategic advisory, expert guidance, and cutting-edge solutions that drive sustainable growth while maintaining the highest standards of regulatory compliance and risk management.
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Jagdeep Singh Sahota, NACD.DC
Jagdeep Singh Sahota, NACD,DC is the Managing Director and CEO of Luminary Advisors.
Jagdeep Singh Sahota, NACD.DC is a payments and banking transformation executive with 25+ years building and governing the financial infrastructure that powers modern commerce. He holds the NACD Directorship Certification® (NACD.DC) — the premier board director credential in the United States — and is actively available for board service in banking, fintech, and technology.
Sahota's career spans every layer of the payment system. He began at Visa writing the technical specifications that established global EMV chip card and contactless payment standards, foundational infrastructure now embedded in billions of cards and terminals worldwide. He then led Visa Direct and Visa Checkout through product development and global commercialization; Visa Direct now processes $100B+ annually across 1,000+ financial institution partners. Recognized for his combination of technical depth and commercial judgment, he was promoted to Vice President of Innovation & Strategic Partnerships, leading the Visa Innovation Lab with a design thinking-based methodology, prototyping blockchain, digital tokens, connected devices, and AR/VR payment experiences with enterprise partners including Marriott, Costco, and Fidelity. His governing principle: de-risk before you scale. He holds 23+ global patents as a direct result of this discipline.
As EVP and Chief Payments Officer at Banc of California, he built the payments business and its compliance stack from the ground up, covering KYC, AML, OFAC, beneficial ownership, and 314(a), while serving as Enterprise Risk Owner and presenting quarterly to the Bank Risk Committee. He advised the CEO and Board on payment modernization strategy and secured a $15 million board investment approval for digital transformation.
Sahota served five years as Chair of the Board of Directors of Sahaita Inc., a 501(c)(3) nonprofit, establishing formal governance architecture and growing annual fundraising 140%. He is a contributor to EMVCo, NACHA, and the PCI Security Standards Council, and through Luminary Advisors LLC advises financial institutions on Stablecoin, CBDC, and digital asset strategy.
A full board bio and board resume are available upon request.