Responsible for all technology services and operations for national Fair Credit Reporting Act regulated credit bureau that provides reporting to over 300 customers, including card issuer Discover and online lender Opportunity Financial. Developed and maintain functionality of unique real time platform that calculates thousands of attributes for a consumer loan applicant right up to the moment of the lending decision. Coordinated design and development of transactional platform, user portal, billing and monitoring systems. Routinely process 100 million credit transactions daily (yes, there is that much subprime credit activity in the US) via xml and json api. Responsible for system security, fraud detection platform and technology development to address increasing regulatory requirements including the CFPB and Payment Card Industry Data Security Standards (PCI DSS). Collaborative, hands on manager. Lead team of 12 developers and 10 operational engineers. (jruby, Ruby on Rails, MySQL, mongodb). Recent projects include implementation of:• Patent pending technology to minimize lag time between loan approval and loan reporting in response to proposed CFPB regulations requiring lender due diligence of consumer’s ability to handle new debt.• Enhanced fraud detection solution to blend proprietary data with traditional credit data from TransUnion® to provide comprehensive, real-time risk data that provides updated consumer lending fraud scores supported by reason codes.• Web Inquiry Reporting Engine to support lender compliance with recently enacted Utah laws mandating due diligence for all lenders conducting deferred deposit lending with Utah residents.• Military Lending Act (MLA) functionality to address credit extension to service members and their families, resulting in a cost-effective compliance solution, greater visibility into credit applicant’s alternative financial services credit usage and to bridge clients use of federal MLA website.

Founder and sole developer of cloud-based viral marketing platform for travel operators. Also developed MyTripScrapbook.com blog providing interactive site for individual travelers. Employed 7 content editors. Despite successful initial market reception, business closed as revenues declined due to economic recession. (Ruby on Rails, Postgres)

Responsible for technology strategy and operations for multi-national escorted tour organization providing over 10,000 tour departures each year. Clients included 26,000+ travel agencies and direct consumers. Member of domestic executive team and provided global IT leadership to CIOs in UK, Europe, Canada, and Australia. (.NET, Java, COBOL, Seibel, Oracle). Projects included:• Integration of Internet platform to support travel agencies and provide the following:o Online booking and payment engine.o Co-branded Web site engine that dynamically customized product Web sites for participating agencies.o Co-branded consumer booking engine for agents use on own Web site.• Company-wide Siebel implementation for salesforce automation, customer care and orders.• Conversion of ERP functions from SAP to Oracle 11i.• Conversion of HR and payroll systems from external Ceridian to in-house Kronos.• Conversion of telephony from Fujitsu to Avaya 8700 and completed overhaul of customer care.• Re-engineering of all IT functions to achieve CISP/SDP (Visa/MasterCard) audit compliance.

Recruited and led technology team to create interactive e-commerce auction platform for first business-to-consumer vacation auction Web site. Implemented core business strategy to offer Internet sales of vacation packages to over 2 million site registrants using dynamic pricing, auctions, and one-to-one marketing. Member of executive management team; led two rounds of VC funding. Success of company led to acquisition by ICE Gallery. (Java, Linux, Sybase)

Cofounded and led nFusion to $500K revenues in first year. nFusion designed and sold a customer loyalty Internet portal for cell phone providers that allowed legacy systems to be accessible to customers over the Web. Responsible for overall corporate strategy, product design, sales effort, and corporate governance. Sold company interest in 1999. (Visual Basic, C++)

Responsible for design and delivery of call center automation to specific customers, including Mellon Bank, Bank of New York, and Time Life. Managed software architecture, Internet design, telephony design, network implementation, and project management of large client-server solutions. Versatility was acquired by Oracle.

Product Manager, March 1996 – March 1997, Vienna, VirginiaResponsible for overall global development of the Flow Gemini family of environmental and occupational health software systems. Formulated medium and long term strategies for products, including Internet direction, international standards, and multi-language capabilities.Senior Accounts Manager, August 1994 – March 1996, Santa Barbara, CaliforniaSold Flow Gemini family of application software to occupational health and environmental compliance sector. Managed all aspects of sales process from demonstrations through contract negotiation and final closure. Customer Support Manager, January 1991 – August 1994, Santa Barbara, CaliforniaDesigned and implemented customer support strategy, including training courses, international help desk, multi-tier response organization and user conferences. Provided pre-sales technical support. Systems programmer (FORTRAN, SQL).