The ability to sell low-priced items profitably when payment is not in cash has proved impossible for traditional payment providers including banks and credit card processors. Their processing technology, developed over half a century ago, requires high fees, lacks security features for modern transacting and does not support real-time settlement. AmpaCash Corporation (https://www.ampacash.com/), a US fintech, has solved these problems. Its processing technologies, backed by 5 issued and 3 pending patents, delivers ultra-low-cost processing and military-grade security. This means that for the first time ever, a merchant can sell very low-priced items securely and profitably via a digital (non-cash) payment. It also means that even on larger-sized transactions, the merchant pays 50% lower fees than with traditional processors. AmpaCash is live in the US, owns PayToStream (https://www.paytostream.com), a content platform that supports micropayments, and is expanding internationally, as profitable micropayments and instant cross-border phone-to-phone transactions (another AmpaCash innovation) are global game changers.

Recommended and designed technology solutions utilizing Amazon Web Services (AWS). Built new highly profitable services from scratch for several fortune 500 companies. Variously subject matter expert for Internet of Things, Infrastructure Automation and Machine Learning.

Oversaw infrastructure design, application development and translation of deep learning algorithms, trading and payment patents into working prototype.

Systems design, review, modification, and approval of business services and associated technology infrastructures. Charged with creating alignment between IT and business, and with maximizing returns from technology assets across the company.

Designed and managed infrastructure underlying technology services for investment banking, asset management and corporate systems for the Americas, Asia Pacific and European regions.

Designed, built and managed technology infrastructure for stock trading, investment banking and consumer credit. Set volume, performance, cost and compliance benchmarks. Moved to head Trade Plant. Built low-latency trading infrastructure that reduced round-trip times to Exchanges and translated into $100+ million in revenues.

Topped formal credit program. Analyzed international credit risk for structured trade and project finance transactions. Responsible for creating country risk ratings used globally. Built the bank's first Monte Carlo cluster for predicting asset decay on Collateralized Debt Obligations. Responsible for $40 million EXIM and $20 million CCC (Commodity Credit Corporation) financing facility. Designed options and futures hedges used by clients to minimize risk on their long and short commodity positions. Formed sovereign debt trading company that locked in profits via commodity trades. Sold company in 1996.