As a Software Engineering Manager at TD, I lead a team for Zelle and Real Time Payments, two of the most innovative and strategic products in the payments industry. I have over 20 years of experience in software development, system architecture, and technical design, with a focus on transaction banking, trade, and payments. I hold a MSE in Computer Science from the University of Pennsylvania, where I also studied Molecular Biology.My core competencies include: Software Design and Architecture, Technical Product Owner, Software Project Management, Agile Methodologies, Cyber Security, Identity and Access Management, Tech Stack Standardization, Solution Design, Product Evaluation, IT Infrastructure, Cloud Infrastructure, Performance Tuning, and Scaling Applications. I am passionate about delivering new digital products and experiences to customers, streamlining operational processes, developing product roadmaps, and collaborating with fintech teams to bring innovative solutions to clients. I have a track record of leading and contributing to software platforms and services that enable multiple online products, such as Real Time Payments, Zelle, Commercial Credit Cards, Corporate Banking and Whitelabel Wholesale Banking Solutions.