Providing innovative and personalized mentoring/consulting in product innovation, technology, sales and marketing to start Big 4 Mgmt. Consulting, Silicon Valley Startups, VCs, Financial Services, Retail/CPG and manufacturing Industry. • For Barclays, Lead the Digital Transformation Strategy and Mobile-First Development of the digital consumer bank. The goal is to cross-sell, boost acquisition rate, and optimize its footprint between each line of business by utilizing AI, BOT, and machine learning on the AWS platform as well as real-time events-based application framework. Responsible for managing stakeholders (i.e. FIS, TSYS, FDR, Adobe, IBM, Accenture).• For Freedom Mortgage, developed an innovative mobile mortgage application product based on AI, BOT, machine learning, and IoT technologies that integrated legacy systems to significantly reduce the application processing time from over 90+ days to under 21 days.• For Confidential Gaming Industry, Architected and developed the largest facial recognition “Data Lake” for the gaming industry to provide real-time fraud and security level information to all partner casinos world-wide. Integrated a mobile platform to allow security personnel to receive real-time fraud and criminal offender information.• For Netflix, Led a global End User Digital Transformation initiative to revolutionize the employee experience from the interview process to on-boarding to day-to-day employee activities. This also included equipment procurement for employees.• For Confidential Ride Share Company, led the development of a mobile application with its first implementation in the Caribbean Islands & Latin America.• Led the build out of a Cloud based Big Data capability for a large financial services company by moving 500+ terabyte of data to AWS. This was accomplished by developing on Hadoop and open source software like elastic search (ELK) and Kibana. This new data store was used to build various operational and business applications.

Photon Commerce is the AI based B2B Payments Platform for Fintechs, Banks, eCommerce and other SMBs and Large Enterprises. It reduces payments costs by up to 90+% while accelerating customer acquisition. Used by over 1200 fintech and eCommerce businesses to process $25+ Billion in 2021 alone.I developed and implemented an AI & ML based Payments Platform that utilizes both existing rails and new instant payment rails for B2C and B2B financial service industry is processing over $20+ Billion monthly.

Tassat is a FinTech company that provides Blockchain-based technology solutions for Digital Payments and Cryptocurrency / Digital Exchange markets.I led the Product Development, Client Implementations and Go-to-Market Strategy for a Blockchain based Real-time Payments Platform that is successfully processing over $30+ Billion monthly. Also, Partnered with multiple Bank leaderships, State and Federal regulators and other industry experts to develop a robust Mobile-first Digital B2B payments platform that will generate $30+ M in revenue in 2021.

Recruited through a search firm as an Interim Head of Digital Advisory Practice for North America. Successfully led Fortune 500 companies in their next-generation enterprise transformational activities. Implemented programs such as Creation of Digital Strategy, Next Generation Experiences, Digital Platform Technologies, eCommerce, Business Services, and Technology Services.➢ Architected, developed and delivered end-to-end innovative business process solutions that enable new opportunities of efficiencies and productivities, in one case expanding bottom-line revenue streams by 200% in one LOB. ➢ Performed market-wide assessment and advised CXOs on competitive trends, emerging technologies, and strategies – and designed the roadmap needed to align their technology with their business strategy.➢ Rapidly assessed and transformed individual client's current enterprise architecture, processes and performance to drive technical strength and desired outcomes.➢ Developed the next generation enterprise architecture development lifecycle as well as mentored a team of architects within business, application/systems, data/information and technical architecture disciplines to clearly outline and deliver the benefits of an architectural approach.

After the financial downturn, transitioned into a Client Delivery Partner role to effectively manage and deliver large transformational programs for Retail and Financial services companies.➢ Directed a $50 Million international Point of Sale and SAP BI implementation for Best Buy in Canada, UK, Mexico, China and Turkey. Triumphed in implementing the Sales Channels through 5 Major back-to-back releases - developed 12 new custom-built business capabilities to provide competitive edge in the new markets.➢ Successfully redesigned and implemented Best Buy’s next generation ecommerce and mobile platform that supported the US, Canada and UK businesses. This platform also supports the EXPRESS kiosks located in airports, shopping malls and other public locations for easy access to their products. ➢ Championed an Enterprise-Level transformational initiative for the Stock Plan Administration line-of-business at UBS Wealth Management Advisors. These initiatives involved developing a next generation sales and services portfolio management platform for the front, middle and back office.

Recruited by the president of the retail bank as a transformation & change agent to drive the bank’s business process, products, technology direction for long-term growth and continued market leadership through its consumer commerce. This involved leading cross functional team to plan and implement a comprehensive multi-phase program that included key deliverables, scheduling, cost models, risk management, governance process, go-to-market strategies.➢ Transformed the business unit from silo services into an end-to-end, integrated, customer-centric Sales and Service organization. Victoriously developed and executed a customer facing business and technology strategy to enhance, grow and maintain the online and mobile channel that resulted in revenue increase year over year resulting in over 30 MM online, 2 MM mobile, 15 MM Bill Pay customers and 18,000 ATMs. ➢ Developed an online Automated Credit Card Account open system for US and EMEA customers. Architected a leading edge customer centric digital application interfacing with the Bank’s mainframe systems of record, third party credit agencies and customer service application interfacing with the IVR systems.➢ As part of the mobile strategy, successfully moved “low value” card services transactions such as account balances, account details, etc. from “high cost channels” on to “low cost channel” such as mobile devices thereby achieving over 90% cost reductions (from 20 cents to 1.4 cents) in the end-to-end card services LOB. ➢ Directed the bank’s Mobile-wallet initiative- enabling customer smartphones for online and POS terminals. The mobile-wallet could store information for multiple credit/debit cards, membership, library and loyalty cards.

Relocated to the northeast to lead the development of next generation SaaS eCommerce platform that was multi-language and handled multi-currency. This also included concept-to-development of their web stores, development of their marketing fulfillment & customer care strategies and full P&L reporting. Managed the day-to-day technology operations of over 150 online eCommerce web stores. Participated as a Technology and Operation’s Subject Matter Expert in pre-sales activities.➢ Met client’s long-term growth objectives through applying keen understanding of the various application architectures and functionalities as well as the data center infrastructure architecture.➢ Managed pre-sales team to close new business accounts valued in excess of $80MM; primarily assisted CEO, COO and CFO in closing multi-year new business contracts.➢ Successfully implemented an enterprise-wide SAP solution that included, SAP’s CRM, ERP, Supply Chain Mgmt., and Business Objects Performance Mgmt. Solutions.➢ Directed the daily operation of the company’s 2 data centers. This included planning for the availability, scalability, reliability, monitoring (external & internal), production support, release and Incident Mgmt.

Recruited by board members to provide strategic leadership and stewardship for this newly formed acquisition with Washington Post to ensure clear advantage in the marketplace. ➢ Developed and deployed Core Business vision and strategy. Successfully developed the business, financial, and operating models for the open architecture products including industry/competitive positioning and cost benefit analysis. Successfully developed an open technical architecture to meet the business strategy. ➢ Created and managed the project/program management office function. Defined and developed enterprise-wide project/program management practices, governance standards, processes and metrics - project conception & development through go live & support transition. Ensured project/programs were defined, tracked and communicated in a consistent and effective manner. Incorporated effective change and risk management controls. Partnered with business leadership and other key stakeholders to define opportunities, to identify and prioritize projects based on organizational criteria. Accountable for ensuring all projects within IT portfolios/programs delivered on-time, within budget and to an agreed quality level. Managed and delivered projects in a cost effective and timely fashion.➢ Managed planning and overall execution of technology projects, including developing, implementing and operating technology platforms and systems. Ensured ongoing operational integrity and compliance and enabled vendor partnerships.➢ Developed a new Campaign Management System for managing enterprise-wide marketing efforts; thereby, increasing efficiency and reducing cost.➢ Developed a Student Information System ERP for the management of student records. Developed a Financial Services System for managing financial aid, AP/AR and vendor invoices. ➢ Developed a Learning Management System in a strategic partnership with Microsoft for providing the best classroom experience to approximately 100K students.

Recruited by the CFO to the head of customer-facing Private Banking, Investment Management, Brokerage and Trust technology organization.➢ Successfully led the development of vision and strategy for the Online/Digital Sales & Service Platform, Banker/Broker/Investment Officer Portal by partnering with teams across several functions within the bank and integrating bank wide systems.➢ Developed a client centric “best in class” integrated investments platform to support all managed investment solutions across the IM&T and Brokerage LOBs. Saved over $10 MM/year in Sungard, APL, SEI, BETA, FOREX, Bloomberg and other provider charges. Also, saved over $6.5 MM through vendor contract negotiations and achieved over 98% accuracy in purchase order processing.➢ Successfully managed 2000+ team members (including countries like Japan, India, Israel, Latvia, Bulgaria, Mexico, and UK) and over $500 MM budget. Successfully converted a “sleepy” team into a high performing team (over 100% increase in team productivity and effectiveness) through focused direction and leadership. This led to consistent high employee satisfaction results.➢ Developed a customer centric Automated Biz & Consumer Enrollment capability - saving over $8,000,000/year; Automated money movement across the LOB – saving $1,000,000/year; and Automated Leads and Sale process - generating additional $5,000,000 revenue. ➢ Developed an online Automated Credit Card Account open system - saving over $1,000,000/year. This system included a customer facing application interfacing with the Bank’s mainframe systems of record and third party credit agencies. This system also included a customer service application interfacing with the IVR systems.➢ Developed a Business Intelligence Infrastructure that included EDW, DataMarts, Reporting, Marketing, Modeling and MIS systems using DB2 and Teradata.➢ Developed Bill Pay program and deployed it in record time (9 months) saving over $35 million in excess fees to CheckFree.