Financial Services IT & AI Consulting

As a technology leader at a global financial services firm, ran IT strategy and innovation, then founded a RegTech venture digitizing identity verification and AML screening.

Served as Virtual CIO/IT strategy advisor and Angel investor for a tech-forward fintech startup

As CTO, led a major process & IT platform upgrade to position technology as a strategic advantage for the firm

As a cybersecurity executive, advised a central bank's cyber-risk program and led security and risk strategy for major financial-services institutions.

As an engineering leader at a challenger stockbroker, helped it become one of the largest retail brokers on the exchange.

Advised the C-suite and IT leadership on e-commerce strategy

Led the acquisition & integration of 10 tech companies and smaller electronic stock exchanges

Advisory board member of a tool to evaluate traders' performance in a real-time, full-market simulation

As a technology leader, delivered multi-tenant real-time core-banking platforms for global financial institutions and ran retail-trading technology at a major exchange.

Led the development of custom proprietary trading system which handles billions in transactions for the firm and its clients

Led startup tech strategy, platform architecture, team leadership, and AI/software development 

As CIO/CISO, led technology strategy to enable a 20-fold increase in revenue for the division.

Served as Head of Engineering for a major Crypto Currency Asset Management platform

As a banking technology leader, directed an acquisition migration of 200+ applications, modernized core and branch platforms across 60+ branches, and remediated findings to clear a regulatory consent order.

Spent 7 years as the top cybersecurity executive at two different credit unions with U.S. nationwide footprints

As an engineering leader and fintech co-founder, built BNPL and retail-lending platforms and co-founded a B2B payments company.

As product and technology director for a national open-banking program, deployed the sector's first regulatory trust framework and grew adoption to millions of users and a billion API calls.

Led Cybersecurity strategy & execution for a midsize mortgage origination company

Deployed an automated anti-money-laundering detection system at one of Mexico's largest banks and built the firm's AML practice for Latin American financial-services clients.

As CTO, transformed IT into a profit center via the upsale of analytics data & reporting to portfolio investors

As CTO of consumer-fintech startups, built open-banking money-management tools and integrated major credit-bureau data into lending algorithms.

As contract Head of Enterprise Architecture, developed strategic digital roadmaps for both Commercial and Consumer lines of business.

As CIO, led a digital transformation of their business model which drove 40% in costs reduction

As Group CIO of a global FX and payments provider, built the platform behind 200%+ volume and 900% EBITDA growth, and earlier scaled a payments utility later acquired by a global card network.

As technology advisor, systematized a proprietary trading firm's financial data, scaling it from 75 to over 750 traders with zero added back-office cost.

As CTO, led a Digital transformation of their business model and a global expansion

Led the New Technology efforts for the leading provider of banking software in the U.S., achieving $2M in recurring savings

As a senior banking technology leader, operated in Tier-1 banking environments and founded a RegTech platform delivering explainable, audit-ready compliance analysis for regulated firms.

As CTO, architected a B2C investment platform spanning a lightweight core-banking system, an investment engine, and its cloud infrastructure

As Senior VP and Head of Innovation for 4 years, led a major upgrade of the credit union's underwriting & account processing systems, integrating them for advanced analytics.

As CIO, led major upgrade and consolidation of software systems support multi-millions of customers, over $100B in AUM

As CISO of a regional bank, built the enterprise security program and achieved ISO 27001 certification, with earlier security leadership in mortgage servicing.

As a financial-services blockchain leader, founded and grew a global blockchain practice and delivered production solutions across capital markets for major banks, exchanges, and insurers.

As CTO, built a fintech platform connecting minority-owned businesses in the US and Africa to banks and capital providers.

Led the Analytics development team for 3 years

As CTO, built an AI loan-origination and servicing platform from zero, automating underwriting and integrating KYC/KYB compliance to SOC 2 Type II in under six months.

As CTO over two decades' tenure, led the development of the company's flagship e-commerce payments & billing products

Served as Virtual CIO leading IT for 6 years until the company grew to need a full-time CIO

As CIO of a consumer bank, led IT service delivery, then drove AI-enabled development and data analytics for fintech firms.

As a VP, led client-facing technology for custody and fund services supporting $500B in client assets, and delivered settlement and clearing platforms for the investment bank.

Vice-Chairman and head of Technology

As CTO, migrated operations to managed cloud services, lifting gross margin 16% and system performance 12%.

As co-founder and CTO, built an AI-native platform targeting the commercial-lending lifecycle.

Led infrastructure/cybersecurity upgrade which both raised stability and saved $2M/year for the organization.

As a C-suite technology leader, launched a business-lending platform that scaled from $10M to $200M in originations.

Led a major infrastructure, cybersecurity, and cloud upgrade to enable 15x scaling for a SaaS startup in the fintech bill-pay space.

As Virtual CTO, led the design & development of a blockchain-based custom lending platform to syndicate financing of industrial equipment

As GRC Consultant & Fractional CISO, recommended, surveyed, and implemented Identity Access Mgmt. (IdAM), Data Loss Protection (DLP), & Cloud Access Security Broker (CASB) protections.

Led Software Engineering team for 2 years

As CTO, powered expansion of firm into seven business lines including ABS, CRE, mortgages, structured Lending, PE, and a REIT.

As a fractional CIO to mid-market financial firms, enabled 3x volume scaling for a high-growth fintech and built audit-ready data environments for regional banks.

As a technology leader, built banking software products deployed at six of the country's top ten banks.

Head of Information Protection & Compliance for a digital billing & payments transactions service. 

As Virtual CIO, led the IT strategy & development of a personal finance digital advice platform

Built the ultra-low-latency trading platform that grew a startup into one of America's largest electronic stock exchanges, leading to its acquisition by a major exchange operator.

Led design & development of a custom system providing strategic competitive advantage to the firm

As CTO, led the upgrade of corporate infrastructure and fully revamped information security protections, achieving major improvements while holding overall spend relatively flat.

Led the Enterprise Information Architecture function, which is central to the firm's credit scoring algorithms

Led Software Engineering on a suite of products to support consumer finance lenders through the full lending cycle

As Interim CIO, led completion of strategic mobile app development before transitioning IT to full-time leadership

Provided initial IT strategy & architecture guidance for startup until transitioning to full-time leadership

As CIO and CAO for over a decade, led the digital transformation of the company's underwriting and servicing systems to become a strategic advantage

As Interim CIO, led the IT organization through acquisition by a larger competitor

Led their global Digitization process for enabling functions

As CIO, led the development & enhancement of custom loan underwriting software supporting hundreds of banking clients

Over a decade leading the software development & tech services delivery functions for a major payment processor

As CIO, initiated an automation program, secured rare '1' rating on FDIC IT audit, and facilitated a successful sale/merger of the bank.

As CIO advisor, provided strategic roadmap and interim IT leadership to several port-co's, improving system performance and stability while reducing costs 5%-9%

As CIO, developed and executed a digital transformation & upgrade program for the CU.

As Fractional CTO, transformed their technology strategy from B2C to B2B and streamlined their resource/project planning.

Led their IT GRC initiative & IT Finance oversight, driving 10% savings on a $250M IT budget

As Interim CIO, led a turnaround of the IT organization & platform of a major institutional investment management firm

As head of IT operations, led a tripling of the bank's branches over a 3 year period.

Advised on fintech strategy to create unique capability for competitive advantage.

Led their global Digitization process for enabling functions

As CTO and SVP of Technology in mortgage and default servicing, built loan-origination, underwriting, and default-management platforms supporting millions of loans and $1B in outsourcing.

As founder, built one of the first AI-powered personal wealth-management products.

As Group CTO, upgraded and unified the data & integration architecture, established sound data governance to position for trustworthy AI.

As Fractional CISO, integrated secure CI/CD pipeline, upgraded data protection, identity management, and vulnerability management.

As CIO, scaled an investment firm from startup to over $1B AUM through 15+ acquisitions, building the data-governance foundation for institutional operations and delivering $17M in savings.

Led digital delivery for the launch of one of the country's first neobanks.

As enterprise data architect at a major mortgage investor, built the data architecture and governance behind platforms serving 10M homeowners under SEC and SOX compliance.

As a technology leader, led development of a mission-critical web-based debt-trading platform for a firm's corporate debt-trading and M&A groups.

Led an upgrade a expansion of the firm's IT platform, creating a scalable performant enterprise.

As CTO, built a platform enabling wealth-management advisors to offer digital-asset investing within compliant regulatory workflows.

As Interim CIO of a digital-assets venture, co-developed a cryptocurrency and secured federal regulatory approval.

Served as Manager of Software Engineering, leading development of their custom e-brokerage platform

As Head of IT security & compliance, led network engineering, cybersecurity, and governance compliance, reducing spend by $18M over 2.5 years.

Led the Client Reporting BI function for a top 20 global bank

As CIO of a $12B fixed-income investment manager, modernized the application platform and migrated trading and compliance off legacy systems.

As Interim CTO, transitioned company to new ownership, developed new IT strategic roadmap, integrated infrastructure and initiated an AI program which created competitive advantage and grew market-share.

As CIO, transitioned to cloud, agile/devops best practices and leveraged offshore resources in India & Latin America, driving 30% reduction in IT costs.

As CTO, built futures and equity-execution platforms and pioneered electronic options market-making used by scores of trading clients.