New York City Metropolitan Area
Michael is a results-driven and accomplished professional with extensive experience in risk management, product strategy, and strategic initiatives within the Financial Services and Payments industries. He is a proven leader in developing and implementing comprehensive risk strategies to mitigate fraud, credit, liquidity, partnership, and brand risks. He’s skilled in collaborating with cross-functional teams to drive product innovation, execute strategic plans, and deliver exceptional user experiences. He has been recognized for expertise in remote team collaboration, agile methodologies, and driving startup growth. Michael is a proactive and collaborative professional dedicated to protecting and advancing business interests while driving innovation and growth. He excels in dynamic and fast-paced environments, leveraging strong analytical, strategic planning, and leadership skills to achieve outstanding results. - Risk Management Expertise: Demonstrated extensive knowledge of risk management principles and regulations within the Financial Services, Payments, and fintech industries. Successfully developed and enforced risk solutions, ensuring compliance and instilling user and partner trust. - Strategic Planning and Execution: Led risk strategy for company-level strategic initiatives, driving safe and scalable growth while maintaining a focus on user and partner trust. Scoped, designed, and executed risk strategies to support product launches and facilitate business expansion. - Cross-Functional Collaboration: Exceptional track record of collaborating with product, engineering, sales, and partnerships teams to identify and address risks associated with product initiatives. Proven ability to align diverse stakeholders and ensure seamless execution. - Data-Driven Decision Making: Leveraged strong analytical skills and research capabilities to assess product risk performance, inform decision-making, and prioritize long-term strategic plans for future growth. Proficient in utilizing data science partnerships to enhance observability and optimize risk strategies. - Leadership and Team Building: A results-oriented leader with a track record of motivating and leading teams to achieve ambitious goals. Skilled in influencing stakeholders across functions and borders to drive desired risk outcomes and enhance organizational resilience.
• Led product RFA(SaaS) and Terminal products, ensuring regulatory compliance and risk mitigation for Invoicing, Billing, RevRec, and payments. • Developed risk strategies, conducted compliance reviews, and managed incidents to support the company's annual risk strategy. • Collaborated with cross-functional teams to define product features and enhance risk management processes.
• Spearheaded onboarding enhancements to increase activation rates and reduce churn by leveraging compliance automation and risk-based frameworks. • Partnered with engineering, design, and compliance teams to optimize payment infrastructure and enhance transaction security for SaaS products.
• Led Global Risk Products & Operation Products teams in developing innovative solutions to improve customer experience. • Drove a portfolio of credit products, yielding $1.5B in annual portfolio growth and a targeted pre-tax income of $100M+. • Led the launch of BNPL, Pay-Over-Time, and working capital loan products, generating $4B in annual originations. • Spearheaded cross-functional collaboration with commercial, technical, and compliance teams to scale credit products efficiently. • Negotiated partnerships with banks, PSPs, and fintech firms, ensuring seamless integrations and regulatory compliance. • Implemented AI-driven credit underwriting and risk processes to improve operational efficiency and lower loss rates. • Automated risk assessment processes using AI/ML models, enabling real-time underwriting and reducing manual intervention. • Designed and executed customer engagement strategies to drive product awareness, activation, and retention, enhancing SMB financing solutions.
• Led the creation of next-gen credit cards and non-card underwriting and risk platforms. • Collaborated with cross-functional teams to design, develop, and launch products delivering over $1.5B in Pre-Tax Income. • Led Product Roadmap creation and drove organization alignment across American Express leadership teams.