Michael Dowling Email & Phone Number

Seattle, WA, US

* Fractional CPO for a Payment hub company* Fractional CTO for a community bank in the PNW

- Member, IT Steering Committee- Voting Member, Senior Loan CommitteeMode Eleven Bancorp (formerly Hulett Bancorp) is the holding company for Summit National Bank, an OCC-regulated National Banking institution which traditionally serviced agri-businesses in the midwest. In 2020, Summit began the process of pivoting its business model to one of Open.

Hamilton, BM

Jewel is a licensed full-service bank in Bermuda servicing both digital asset businesses and more traditional companies, in Bermuda and globally. Jewel will provide traditional currency banking services along with a stablecoin-based payments & settlement system, ultimately facilitating access to both traditional payment rails and blockchain-enabled payment.

Frank Financial was an ambitious de novo bank with the purpose of creating a legitimate, legal structure around the issuance, redemption, and lifecycle of USD-denominated bank deposits dematerialized on blockchain platforms. Modeled after a financial market utility to work with banks of all types and sizes, the goal was to create base-layer infrastructure.

Armonk, New York, NY, US

Worked with commercial and central banks around the world on their DLT strategies. Technology head for a multi-currency blockchain-based clearing and near-immediate settlement network for cross-border value transfers. Responsible for development, devops, testing, and architecture end-to-end.

London, GB

San Francisco, California, US

* Wells Fargo's enterprise leader on Blockchain/Distributed Ledger/Cryptocurrency initiatives* Primary point of contact and participant for industry consortiums such as R3CEV, LinuxFoundation's OpenChain/Hyperledger, and Interledger Protocol* Program lead for a number of internal pilots and proof-of-concepts related to Blockchain and Cryptocurrencies

Chicago, IL, US

Engagement: “Big Data” Architecture and Data Science Analysis for large SEM (Los Angeles, CA)* Goal to develop a full-stack architecture for supporting a Big Data and Data Science/Machine Learning analysis for data spread across hundreds of siloed systems, development of internal applications to support business, and general development, Agile, and.

* Responsible for overall systems and application Architecture for V.me's wallet service* Lead Architect for all Mobile and Platform services* Co-architect for a Value Added Services integration platform* Co-architect for overall Mobile SDK strategy, allowing external partners to use V.me's Software Development Kits to embed V.me's wallet features into.

Chicago, IL, US

Engagement: Agile Consulting & Test Strategy for Major Online Travel Agency (Seattle, WA) * Goal to introduce Agile methods across entire organization to enable faster delivery of high-quality software * DevOps recommendations and implementation of shared services organization, including automated testing, deployment pipeline optimization, and general.

San Francisco, California, US

* Responsible for the rollout of Agile methodologies (Scrum, XP, TDD, ATDD) in the Wholesale Line of Business* Sr. member of several development teams and organizations.* Responsible for software & systems architecture for a wide variety of heterogeneous systems. * Focus on payments-related architectures and systems as well as agile development.

US

* Full design and development of transaction processing system using both Wells Fargo’s IFX transaction gateway, Verisign’s Cybercash gateway, and Paypal’s IPN; led team of 3 engineers.* Assisted VP of Engineering with the introduction of SCRUM ("agile") methodology to technology team.* Technologies Applied: Java, TCL, XML, Servlets, JSP, JDBC.

* Ground-up design and development of internal systems(operations, billing, and customer management).* Lead engineer for redesign of data model andlayering of business logic.* Technologies Applied: Java, JMS, XML, Servlets, JSP,EJB 2.0, JDBC, Tomcat, JBoss 3.x, XML, web services, JAXP,JAXB, JAX-RPC, C# (client), RMI, JUnit, HTTPUnit, Ant, Anthill.

* Developed a scaleable anti-spam filtering softwaresystem using Java, J2EE * Refactored poorly designed code to be moreextensible and reusable. * Technologies Applied: Java, JMS, XML, Servlets,Struts, JSP,EJB, JDBC, Resin, MySQL

US

* Developed messaging system using JMS with WebLogicand SwiftMQ to decouple integration systems and dataharvesting from main application, thereby eliminatinga single point-of-failure. * Developed EDI processing subsystem within themessaging infrastructure to process inbound andoutbound EDI messages. * Technologies Applied: Java, JMS, XML, XML Schema,EDI.

* Ground-up design of development, quality assurance,and production environment. * Ground-up design of database architecture forsoftware that is extremely data intensive, for datathat is complicated and without pattern. * Ground-up design of scalable, distributed set oflayered applications, including a multi-threaded,"pluggable" data-harvesting engine. *.

US

* Lead engineer for XOOM Lists, a high-trafficmail-list service built from the ground up, usingC/++, CORBA, and Java/JSP (Model 2) for contentdelivery. * Designed & developed a distributed membership daemonto keep track of each service's membership informationas well as for companies to-be-acquired. * Used Java & C/++ to design & implement applicationsto.

* Successfully delivered several features, includingpersonalization and a scaleable directory of sites for Snap! Online. * Used Java (server-side) to create many applicationstargeted towards supporting the content deliveryinfrastructure. * Designed, Spec'd, Developed, and implemented severalback-end production tools for various productiondepartments.

Salvador, Bahia, BR

* Started employment as intern/Junior SoftwareEngineer during secondary school. * Using Perl, I developed a complete statistics systemto gather, analyze, and deliver stats about the sitefor the marketing department. * Development on WebChat engine, C and Perl * Technologies Applied: Perl, Apache Web Server,Linux, C