Phoenix, Arizona, United States
I’m a product leader in payments and consumer lending, known for building platforms that scale while meeting regulatory demands. Recently, I’ve been layering in emerging tools like automation and applied AI, keeping my core fintech expertise sharp while exploring new ways to accelerate growth. With more than 20 years of experience in fintech, I’ve launched card programs, designed loan management systems, and delivered end-to-end lending and payment solutions that balance growth, compliance, and user experience. I’ve consistently helped startups and high-growth companies move from concept to scale, taking platforms from zero to meaningful ARR by aligning product strategy, technical execution, and partnerships. Working in highly regulated, fast-paced environments has given me a deep appreciation for building products that are both innovative and operationally sound. Alongside my core fintech work, I’ve been experimenting with RAG systems, workflow orchestration (e.g., n8n), and database design improvements through side projects such as FFA Sports. This hands-on work keeps me current with modern architectures while giving me new perspectives on how automation and intelligence can enhance lending and payments platforms. What ties it all together is my ability to translate complex challenges into scalable, compliant, and user-friendly platforms, whether advising startups, leading product strategy, or driving growth at established fintechs. On a personal note, I am huge sports fan and a forever student of the game of golf! I am also a Dallas Cowboys fan, which has been a burden of love for so many years, but I am all the way in! I look forward to meeting you! You can reach me at [email protected]
Led the design and build of a mobile and payments platform using a hybrid AI-assisted development approach, combining product strategy, system architecture, and operational execution. ✓ Led end-to-end design and launch of a prepaid mobile and financial enablement platform, integrating onboarding, payments, provisioning, and carrier workflows. ✓ Defined core system architecture including data models, transaction flows, and state-based lifecycle management across customer, plan, and subscription layers. ✓ Built resilient payment and provisioning pipelines leveraging Stripe and SureTax, ensuring accurate billing, tax handling, and reconciliation. ✓ Applied a hybrid AI-assisted development approach to accelerate product delivery while maintaining production-grade controls across environments and releases. ✓ Established backend infrastructure using Supabase and serverless patterns to support scalable, event-driven workflows. ✓ Designed operational processes for complex, asynchronous workflows (e.g., port-ins, retries, provisioning states), reducing need for manual intervention. ✓ Developed pricing, packaging, and lifecycle features including annual billing, referrals, and rewards aligned to prepaid user behavior. ✓ Contributed to product strategy incorporating credit-building capabilities as a secondary financial value layer. Introduced and validated a “Vibryd” development model (AI-assisted + traditional engineering), demonstrating how AI can accelerate delivery of complex, transaction-heavy platforms without sacrificing reliability or control.
Providing strategic product and operations support for Augie’s secured credit card program, with a focus on optimizing workflows, accelerating roadmap execution, and improving operational efficiency. ✓ Workflow optimization, including consumer application and card account creation, accessing permission based bank account data, securing and reconciling account deposits via ACH, and custom transaction authorization. ✓ Enhancing the management and prioritization of the product roadmap, documenting detailed requirements, and implementing structure around cross-functional team engagement. ✓ Vendor integration and management, customer communications and other operational functions.
✓ Led a high-performing engineering team of 5 in modernizing a multi-product LMS platform, driving innovative initiatives to optimize loan servicing and integrate new customer-driven features. ✓ Achieved full completion of Q3 objectives, while improving cross-functional alignment with regular updates and collaboration. ✓ Conducted comprehensive market research and assisted in facilitating >20+ stakeholder interviews to validate hypotheses around three new key growth opportunities, identifying strategic paths to shape the product roadmap.
✓ Spearheaded product and sales strategy development for consumer financing programs across 2,000+ franchisees, driving growth in financing adoption and consumer engagement. ✓ Cultivated and expanded strategic lender partnerships with industry leaders like Ally, GreenSky, Fortiva, and Momnt, increasing access to financing options. ✓ Launched Buyfin, Authority Brands’ private label lending program, exceeding merchant acquisition targets by 125% within the first 90 days. ✓ Achieved 18% YoY increase in funded loan volume from $170M to $200M
Provided FinTech startups with advisory services and fractional leadership in the areas of data-driven product management, operations, strategic execution, vendor integration, KYC/KYB, financial operations and payments. ✓ Supported dash.fi through the implementation and management of KYC/KYB data providers, payments processors, and issuer processors, including Lithic, Dwolla and Persona ✓ Directed dash.fi in launching new charge card programs, driving an uptick in user adoption within the first few months and expanding the company’s card-based rewards business, while ensuring program compliance. ✓ Defined and documented workflows to support merchant payouts via ACH for FinTurf, a point-of-sale consumer financing platform.