Portrait of Tusshar Kalra
Tusshar Kalra

Lead Solution Architect — Agentic AI & Banking Platforms

In production since 2025: Nexus

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Architecture for regulated finance, and the AI that runs on it.

26 years designing and delivering regulated enterprise banking platforms across Europe and Asia — lending, credit origination, KYC and anti-financial crime. Since 2025 I also design, build and operate Nexus, a live multi-agent AI system.

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On record

  • 26yearsdesigning and delivering regulated enterprise banking platforms, Europe and AsiaSource: CV
  • ~200,000annual transactionsacross seven lending products: the NOVA credit origination systemSource: CV · NOVA
  • 80%+less processing timeend to end, publicly reported: Swedbank Future Lending PlatformSource: CV · publicly reported
  • 18security controlsacross five trust zones in Nexus, the multi-agent system I operateSource: CV · Nexus
Current role
Lead Solution Architect, Lending, at Länsförsäkringar Bank
Domain
Lending, credit origination, KYC and anti-financial crime
Platforms
Appian, PEGA (Centre of Excellence founder), Kubernetes, Azure DevOps
Availability
Open to senior roles: Sweden, the Nordics, EU, UK and relocation

Tier 1 banks: Länsförsäkringar Bank, Swedbank, Lloyds Banking Group, ANZ, BNP Paribas, HSBC

Nexus, the system I run

Designed, built, and operate solo since 2025. A five-agent multi-tier system on self-managed infrastructure, with a hardened Telegram gateway, cross-provider LLM fallback, and an autonomous closed-loop upgrade pipeline that completed its first live production upgrade in January 2026. The architecture banks need for vendor-independent agentic AI adoption.

Nexus architecture: request path, five trust zones and the closed-loop upgrade pipelineA gateway passes requests to the Nexus Tier 1 supervisor (intent classifier, capability-typed dispatch), which dispatches to Newton (research swarm with parallel verifier children), George (maintenance), Marlowe (trading intelligence), Leonardo (creative and deterministic render) and Claude Code via ACP. Agents share a memory layer and reach a multi-provider model layer with two-deep cross-provider fallback. Eighteen security controls sit in five concentric trust zones: perimeter, gateway, application, state, agent. The upgrade pipeline runs nightly detection, a seven-gate preflight, sandboxed testing, a snapshot, a health-checked restart and automatic rollback, in a closed loop.Request pathGatewaygateway authentication · prompt-injection detectionNexus · Tier 1 supervisorintent classifier · capability-typed dispatchNewtonresearch swarmparallel verifierchildrenGeorgemaintenanceMarlowetradingintelligenceLeonardocreative +deterministicrenderClaude Codevia ACPShared memory layer · agents retrieve contextModel layer · multi-providerVertex AI · Bedrock · OpenRouter · Ollama Cloudprimary → fallback-1 → fallback-2, two-deep cross-providerFive trust zones · 18 controlsPerimeterGatewayApplicationStateAgent18securitycontrolsClosed-loop upgrade pipelineNightlydetection7-gatepreflightSandboxed testSnapshotHealth-checkedrestartAutomaticrollbackclosed loop · first live production upgrade January 2026Nexus architecture: request path, five trust zones and the closed-loop upgrade pipelineA gateway passes requests to the Nexus Tier 1 supervisor (intent classifier, capability-typed dispatch), which dispatches to Newton (research swarm with parallel verifier children), George (maintenance), Marlowe (trading intelligence), Leonardo (creative and deterministic render) and Claude Code via ACP. Agents share a memory layer and reach a multi-provider model layer with two-deep cross-provider fallback. Eighteen security controls sit in five concentric trust zones: perimeter, gateway, application, state, agent. The upgrade pipeline runs nightly detection, a seven-gate preflight, sandboxed testing, a snapshot, a health-checked restart and automatic rollback, in a closed loop.Request pathGatewaygateway authentication · prompt-injection detectionNexus · Tier 1 supervisorintent classifier · capability-typed dispatchNewtonresearch swarmparallel verifierchildrenGeorgemaintenanceMarlowetradingintelligenceLeonardocreative +deterministicrenderClaude Codevia ACPShared memory layer · agents retrieve contextModel layer · multi-providerVertex AI · Bedrock · OpenRouter · Ollama Cloudprimary → fallback-1 → fallback-2, two-deep cross-providerFive trust zones · 18 controlsPerimeterGatewayApplicationStateAgent18security controlsClosed-loop upgrade pipeline1. Nightly detection2. 7-gate preflight3. Sandboxed test4. Snapshot5. Health-checked restart6. Automatic rollbackclosed loop · first live production upgrade January 2026Nexus architecture: request path, five trust zones and the closed-loop upgrade pipelineA gateway passes requests to the Nexus Tier 1 supervisor (intent classifier, capability-typed dispatch), which dispatches to Newton (research swarm with parallel verifier children), George (maintenance), Marlowe (trading intelligence), Leonardo (creative and deterministic render) and Claude Code via ACP. Agents share a memory layer and reach a multi-provider model layer with two-deep cross-provider fallback. Eighteen security controls sit in five concentric trust zones: perimeter, gateway, application, state, agent. The upgrade pipeline runs nightly detection, a seven-gate preflight, sandboxed testing, a snapshot, a health-checked restart and automatic rollback, in a closed loop.Request pathGatewaygateway authentication · prompt-injection detectionNexus · Tier 1 supervisorintent classifier · capability-typed dispatchNewtonresearch swarmparallel verifierchildrenGeorgemaintenanceMarlowetradingintelligenceLeonardocreative +deterministic renderClaude Codevia ACPShared memory · context retrievalModel layer · multi-providerVertex AI · BedrockOpenRouter · Ollama Cloudtwo-deep cross-provider fallbackFive trust zones · 18 controlsPerimeterGatewayApplicationStateAgent18security controlsClosed-loop upgrade pipeline1. Nightlydetection2. 7-gatepreflight3. Sandboxedtest4. Snapshot5. Health-checkedrestart6. Automaticrollbackclosed loopfirst live upgradeJanuary 2026
Figure 1. Nexus: the request path, the five trust zones that hold its 18 controls, and the closed-loop upgrade pipeline. Drawn from the system description on this site.
Architecture, capabilities and everything built around it

Case studies

Published seven case studies connecting the system's engineering decisions to Tier 1 banking regulation. Three to start with:

  1. CS-02

    Agentic KYC - unravelling corporate UBO across jurisdictions.

    Enhanced CDD, adverse-media screening, and beneficial-ownership unwind under AMLR Article 42 and the BORIS register. Research swarms and vision agents as proof-of-build components - the AFC transformation shape banks are budgeting for in 2026.

    Anti-Financial CrimeAMLRArchitecture21 April 2026~10 minutes
  2. CS-04

    Agentic AI across the consumer-lending lifecycle.

    Origination through servicing - PSD2/3 data aggregation, document ingestion at application time, affordability beyond traditional credit scoring, real-time decisioning, back-book repricing. Same component-level proof-of-build anchoring under PSD3 and AI Act Annex III.

    LendingPSD3, AI ActArchitecture25 April 2026~11 minutes
  3. CS-03

    Multi-model orchestration without vendor lock-in.

    Nexus routes across GLM, MiniMax, Birch, Gemma, and Claude with a fallback chain that survives a provider outage mid-task. The vendor-independence pattern DORA Article 28 now asks banks to design for.

    OrchestrationDORAProduction22 April 2026~10 minutes
The full register of seven

What I build and run

The CV lists employer work. This is the rest: systems I designed and operate myself, on infrastructure I manage.

Deliveredemployer work, on the CVBuilt and operatedmy own systems, runningProposedpresented, not built

  • Built and operated

    Nexus, the multi-agent platform

    Five specialist agents under a Tier 1 supervisor, a hardened chat gateway, cross-provider model fallback and a closed-loop upgrade pipeline. Everything else on this page runs beside it.

    See the architecture
  • Built and operated

    An agentic software-delivery team

    Role-based agents (lead, architect, two engineers, QA) working one shared board, with a separate security-review workflow and a nightly observability roll-up that raises an alert when quality drifts.

  • Built and operated

    Self-operating infrastructure

    More than twenty nightly health checks, each with its own smoke test, and automatic remediation for known faults. Upgrade pipelines for two agent frameworks snapshot, test, gate on health and regressions, roll back on failure, and escalate after repeated deferrals.

  • Built and operated

    Agent framework evaluation

    A 20-task benchmark that compared two agent frameworks on identical models. Failing answers were read by hand before any score was trusted, because a strict checker can fail an answer that is better than the expected format.

  • Built and operated

    This website

    Static pages with no tracking, and a CV available on request: a bot check, every request comes to me, and I reply personally.

Twenty-six years in banking transformation.

Delivered

Most recent four roles
DatesRoleOrganisation
Apr 2023 – PresentLead Solution Architect - LendingLänsförsäkringar Bank, StockholmLänsförsäkringar Bank, Stockholm
Aug 2020 – Apr 2023Senior Solutions Architect - Anti-Financial CrimeSwedbank, StockholmSwedbank, Stockholm
Aug 2018 – Aug 2020PEGA Centre of Excellence Founder & Product OwnerSwedbank, StockholmSwedbank, Stockholm
Mar 2016 – Aug 2018PEGA Delivery LeadCapgemini / Swedbank, StockholmCapgemini / Swedbank, Stockholm

Earlier, 2000 to 2016: Wipro Technologies, Virtusa Consulting Services, HSBC Software Development, MphasiS (HP Company), Accenture Services, Manipal Info COM, SrmRadiant (Lambent Tech training division).

Every role, with what it involved

Open to senior roles.

Lead Solution Architect, Principal Architect, AI Transformation Lead, or Head of AI Engineering roles - leading agentic AI transformation for regulated enterprises across banking, fintech, insurance and product organisations, in English-working environments. Permanent or contract. Based in Stockholm; open to roles in Sweden, the Nordics, EU, UK and internationally, including relocation.

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