Paying for healthcare is broken. Our mission: fix it and save you a ton of money.Zenda Financial is now InComm Benefits, an InComm Payments Company.

Investor and advisor to startups in financial services, enterprise SaaS, healthcare, data management, marketing, and security.

Led $2B revenue portfolio of analytic platforms and applications with 10K+ customers. Key products included Oracle Analytics Cloud, Oracle Business Intelligence, Essbase, and BI Apps. Led a global team of 800 employees with responsibility for product, engineering, operations, and enablement of sales and marketing.Created and evangelized a new product strategy centered on autonomous analytics; formed Chief Data Officers council; showcased AI-based capabilities such as Natural language interaction and metrics explanation. Led to top placement by Forrester, recognition by other analysts, sales partners, and customers.Launched initiatives to modernize existing products and create new products targeted at CXO’s and Data Scientists. Rationalized existing products to reduce customer confusion and reduce costs.

Led technology for 20 product lines (95 products) across Risk & Authentication, Loyalty & Marketing, Business Intelligence, and Commercial card products. Products delivered as SaaS used by 15K banks, 40M merchants, and 2B cardholders. Led a global team of 1200 employees and contractors across 5 global locations.-- Created organizational mission of differentiating Visa by providing the best payment experiences to cardholders and the best insights to banks and merchants. -- Re-built executive leadership team, hired key architects, and recruited 300+ engineers to create a culture of technical excellence and capability to develop differentiated IP. -- Envisioned, got board approval, and delivered a big data platform for all Visa data. Built on open-source software and commodity hardware, platform secured all critical data, reduced cost by 10X, overcame scale limits, supported real-time data, and increased agility of application delivery.-- Delivered key business programs such as Apple Pay, Tokenization, and integration of Visa Europe systems with Visa Inc; Led or co-led key technology programs such as data protection and GDPR.

Founded company with mission to make all business to consumer interactions relevant and profitable. Grew team to 35 people with financing from premier VCs. Built cloud-based predictive analytics platform with proprietary machine learning algorithms designed for big data. Sold to customers in Health Insurance, Retail/E-commerce and Financial Services. Technology now used for Apigee Insights & BOT detection at Google.

Strategy consulting on Data, Advertising, SaaS, Internet for clients such as Microsoft, startups, PE firms, and VC's.

Led Yahoo!’s Data Systems group, built a global team of 250 with responsibility for engineering, product and operations. Managed hyper-growth, organizational integration of acquisitions, and necessary downsizing. -- Defined and delivered big data platforms. Notable successes include real-time data collection across all Yahoo! properties, reliable low-latency pipeline processing, massively scalable low-cost data warehousing (SQL engines), segmentation platform and categorization platform.-- Delivered on key company initiatives including Sponsored Search and Display Advertising. Led organizational and technology integration of data systems for Overture ($1.6B) and RightMedia ($800M); IndexTools and WhereOnEarth.

Boutique consulting to deliver innovative products centered around Data and AI technologies for customers such as Reed-Elsevier (Product Search and Comparison for complex construction products), Visa (Transaction Processing), and startups such as Exemplary (Picture programming) and HomeShark (Mortgages).

Performance accelerator for ERP applications running on Oracle. Transparently intercepted and optimized SQL based on application characteristics to get 2X to 10X performance improvements.Acquired by AdeoSoft, a Kleiner-Perkins company.