Marietta, Georgia, United States
I work at the intersection of banking, technology, and economic systems, focusing on how large institutions coordinate risk, liquidity, pricing, and decision-making under regulatory and operational constraints. Over the past two decades, I have led and advised complex transformation programs across commercial lending, liquidity, treasury, payments, and enterprise banking platforms in U.S. and European markets. My work centers on a recurring institutional problem: systems rarely fail because one component is weak; they fail when coordination moves faster than oversight, capacity, or shared understanding. I focus on structural clarity over delivery theater—aligning business models, regulatory intent, operating design, data flows, and technical architecture so transformation creates durable capability, not just milestone completion. My current work extends this systems lens into commercial loan pricing, liquidity risk, AI governance, quantum computing applications in banking, and the economics of institutional coordination. Core areas: * Commercial and corporate lending platforms * Liquidity, treasury, and balance-sheet coordination * Payments modernization: SWIFT, ISO 20022, RTP * AI- and data-driven credit pricing and liquidity risk * Commercial loan pricing and bank-specific repricing behavior * Model disagreement, systemic risk, and governance * Regulatory alignment: Basel III/IV, IFRS 9, liquidity, credit risk * Quantum computing applications in banking I am interested in roles and collaborations where banking knowledge, systems thinking, research, and technology design come together—and where clarity of structure matters as much as execution.
I lead product strategy and end-to-end delivery for the transformation of a global commercial lending platform managing $66B+ in assets. This multi-year initiative involved rearchitecting legacy core systems into a modular, cloud-ready platform aligned to Basel III and OCC regulatory mandates. Key Achievements: • 🔹 Product Ownership & Roadmap Execution: Defined MVP scope and long-term backlog strategy —resulting in a 20% improvement in user satisfaction and significant reduction in backlog churn. • 🔹 Regulatory & Liquidity Transformation: Delivered ISO 20022-compliant intraday liquidity monitoring across US and EMEA branches, reducing regulatory reporting cycle time from once every 48 hours to once every 2 hours. • 🔹 AI in Credit Operations: Spearheaded KYB redesign using GenAI and NLP-based document parsing—cutting loan processing turnaround by 18% and automating 75% of verifications. • 🔹 Agile@Scale Leadership: Transitioned delivery model from Waterfall to Agile across 5 distributed pods, improving sprint velocity by 30% and reducing release cycles from 3 weeks to 2. • 🔹 Cross-Functional Collaboration: Engaged directly with Product Owners, compliance SMEs, and bank CIO team across NYC and London—ensuring platform alignment with both business vision and regulatory deadlines. Impact: This transformation is now used as the model framework for platform modernization across the bank’s wider wholesale lending ecosystem.
I played a dual role as Business Architect and SME Banking Transformation Lead during RBS’s global push to digitize and automate lending operations for small and mid-market clients. My focus was to re-architect customer onboarding, loan origination, and credit evaluation systems—improving speed, compliance, and revenue targeting. Key Achievements: • 🔹 Digital Loan Decisioning Platform: Designed and led the launch of an automated credit underwriting engine that reduced decision time from 7 days to 23 hours—80% of loans approved within 4 hours. • 🔹 SME Onboarding Journey Re-Architecture: Streamlined cross-channel onboarding touchpoints (branch, relationship manager, web portal), eliminating data duplication and improving time-to-cash by 32%. • 🔹 eKYC with Experian Integration: Rolled out an API-based KYC verification framework automating 80% of checks; improved compliance readiness and reduced manual KYC review workload by 60%. • 🔹 Credit Risk Monitoring Dashboards: Co-developed real-time portfolio risk analytics dashboards using Basel II parameters (PD, LGD) to identify early-stage defaults; improved credit officer response time by 50%. • 🔹 Next-Best-Product (NBP) Recommender System: Built and launched an NBP engine using behavioral segmentation and transaction data, increasing cross-sell hit rates by 22%. • 🔹 Cost Optimization: Led vendor negotiations and platform rationalization resulting in $1.32M savings and 4.3 FTE redeployments. Impact: The SME credit automation stack became the blueprint for subsequent commercial banking rollouts across other geographies.
• Business Architect of the Wells Fargo HSA system with automated funding from DDA accounts.
• Led a team of Business Analysts in ascertaining requirements for the Corporate Actions platform re-design. Innovated an approach to securitize Mandatory Event receivables to benefit from the lag between Event declared date and Settlement date. • Took initiative to contract with IBM for a custom-built SQL driver for use in the Fixed Income Trading platform. • Conducted trainings on HSBC platforms and solutions across China and India.
• Lead Business Analyst and Solution Architect for Credit Suisse's Post-trade settlement platform - reduced reconcile time from 7 days to 2 days. Established best practices for post-trade handling across backoffice systems.