I lead a Group-level internal consultancy, lab, and incubator that identifies promising customer, business, and technology innovations, and brings them into the Bank. We unlock the possible and turn ideas into reality, in order to accelerate achievement.>> Software engineer? Strategist? Experience Strategist? Designer? Product Manager? We're Hiring! Message me.

Pulling Carnegie Mellon's excellence closer to PNC's customer and business challenges, through original academic research, expert engagement and hands-on collaboration.

Crushing student debt, with an employer, through planning, payments, and education.

Customer onboarding for banks that turns opened accounts into activated customers.

Using graph theory as a force multiplier for a bank's 1:1 digital and direct marketing.

Bank Platform APIs for the Fintech ecosystem.

Explorer Advisory & Capital provides product, innovation & growth consulting services to both established and early-stage financial services companies, and seed-stage investments to early-stage Fintech companies.

Santander Bank is a US super-regional bank, with over $79B in assets & 1.8M customers.Responsible for the overall success of the Bank's US Digital business, including digital sales & business goals, digital channels & customer experience, risk management, and overall legal & regulatory compliance.Repositioned Digital as core to the Bank's value proposition by growing e-commerce into a primary sales channel for core financial products, customer activation, and customer satisfaction. Developed the annual digital strategy for the Consumer Bank, and several individual projects for "C-suite" sponsors.Product Owner for six digital customer platforms & 800k monthly active users.

Moven is a venture-funded, leading neobank startup that provides mobile banking services to consumers and major banks around the world. Using behavioral economics principles and designed to help customers save money, Moven has been well received by industry peers. As of early 2017, Moven had twice won Finovate Best of Show awards, and is live with TD Canada Trust and Westpac New Zealand. Responsible for all day-to-day corporate activities, including product development, legal, financial, personnel and operational needs.Highlights:- Directed the organization of the company- Developed the company's business model and secured key partners- Contributed heavily to product concept, strategy and design- Led the product development team for the initial prototype and public releases

The FS Center of Excellence delivers digital business strategy, viewing Customer Experience as a digital strategic framework to create product, service and organizational change in retail banking and wealth management businesses.Areas of particular focus include multi-channel customer experiences across online, mobile, social and in-person channels, personal financial management (PFM) and online marketing strategy. Strong recurring themes are social (networking engagement, adoption and marketing) and mobile (banking and payments).Typical activities included:- Strategic roadmap definition- Business case development & financial modeling- Strategic marketing advisory, including product feature development, market penetration assessments and market capacity modeling- Product functional and user experience design- Web and mobile platform user-experience audits & redesigns- Organizational impact analysis and business process redesignRepresentative digital business strategy clients include:- 4 US super-regional retail financial services companies- 3 Canadian diversified financial services companies- 2 UK-based international financial services companies- 2 European international financial services companies- 2 US-based investment banks- 2 diversified investment managers

Led management and strategic consulting case teams. Assisted clients on strategy development, financial analysis, business model transformation and operational issues.

Software development and technology project leadership positions in New York, London, and New Delhi. Developed Sapient's first software development processes for globally-distributed development teams. Ran Sapient's first globally-distributed technology implementation project.