David Mcgowan Email & Phone Number

New York, Ny, Us

As a unit CIO within Amex, I'm In charge of technology, product delivery, Infosec, and regulatory compliance of all of GCS (Global Commercial Services). Directed transformation of products acquired from Kabbage into a single cohesive platform, American Express Business Blueprint. Currently lead ~1k team members across the US, UK, India, Poland, and Israel in technology strategy and future vision for GCS platforms including products within Business Blueprint, One AP, FX International Payments, Global Payments, Buyer Initiated Payments, @Work, Expense Management, and Business Travel. Steering Amex journey to public cloud to advance application of AI/ML, improve redundancy, and scalability.Achievements Include- Within ~12 months of acquisition launched new commercial lending and checking platform Business Blueprint, growing to ~250k customers in 2023.- Reached 20% YoY growth of the Buyer Initiated Platform (BIP) product, attaining largest B2B product growth in 2023 with ~27B in charge volume across 300 customers including AT&T, Pfizer, Eli Lilly, Amdocs, and Delta.- Modernized the FX International Payments product, improving the customer experience through an automated and seamless process with the launch of Global Payments.- Passed multiple regulatory audits by partnering with internal audit teams, regulators, and the OCC to uplift security and compliance of the new Business Blueprint platform.- Designed Agile teams and implemented SDLC best practices capturing 3x throughput increase in Global Payments and 2x throughput increase in Buyer Initiated Payments despite a 15% staff reduction.- Heading technology and product integration of recently acquired Nipendo, an Israeli B2B payments automation company.

Atlanta, Georgia, Us

Atlanta, Georgia, Us

I joined Kabbage as an early member of the executive team, steering strategic technology and product vision in a rapidly growing fintech. Led early adoption of machine learning and innovation of a low touch automated lending platform that established Kabbage as a $1.2B valued, $100M+ revenue fintech unicorn company with 43% year-over-year growth. Positioned Kabbage for record breaking PPP loan origination and its acquisition by Amex, one of the largest fintech acquisitions of 2020. Managed technology, IT, product, compliance, and Infosec in development of a powerful suite of products, a data platform, and suite of services for small businesses. Introduced financial service tools including payment services and banking and analytics products. Ensured compliance with SOX, ISO27001, GDPR, and PCI DSS.Achievements Include - Launched 2nd largest Paycheck Protection Program (PPP) lending platform in the US by application volume within 2 weeks. Captured ~150% volume increase, processing $7B in PPP loans, supporting nearly 300,000 small businesses.- Drove expansion of platform internationally. Launched products with ING in Spain, France, and Italy, Santander in the UK, and Scotia in Canada and Mexico.- Created white label platform, providing technology as a licensed solution to companies including Sage Payments and Airbnb.- Brought Kabbage Checking to market, an FDIC insured full service no fee digital checking account for small businesses.- Unveiled payment acceptance along with a financial management platform tool, Insights, which helped customers analyze and predict cash flow.- Steered product expansion from a sole focus on providing capital to SMEs to providing personal loans with the launch of the Karrot brand.

Atlanta, Ga, Us

In 2007, I founded and served on the Board of Directors of a revolutionary business venture, serving as an early innovator of navigation and entertainment screens for automobiles. Raised 3 rounds of successful funding, established operational infrastructure, and innovated product strategy. Built operational and engineering teams and sourced and managed vendor relationships. Spearheaded the design of a secure automotive infotainment platform used by Ford, Microsoft, and Intel. Developed first of its kind online vehicle application marketplace, enabling downloading and updating of applications directly from the vehicle. Created the 1st cloud-based vehicle management system which included vehicle tracking, trip planning, and remote music management from web and mobile.Achievements Include- Partnered with Microsoft and Samsung on UMPC devices to utilize Centrafuse’s touchscreen experience.- Joined forces with Intel to include the Centrafuse platform on its Atom based next generation mobile development kits.- Landed partnership with Audiovox to use the Centrafuse platform on 100K of its next generation head units.- Designed Visteon C-Beyond vehicle, a connected and sustainable vehicle with 40+ unique innovative technologies.

Oxford, Mississippi, Us

At this time, I honed my engineering strengths with this provider of data analytics solutions for the real estate industry. Built DataExpress, a comprehensive data toolkit for appraisers, utilized by the largest banks in the US including Bank of America, Wachovia, GreenPoint, and Washington Mutual. Designed a data normalization and aggregation platform using one of the largest real estate databases.

Jackson, Ms, Us