Michael Thacker Email & Phone Number

Los Angeles, Ca, Us

Fort Lee, Nj, Us

San Jose, Ca, Us

- Led the team responsible for PayPal’s top-priority 2023 credit product launch, delivering a new international loan account servicing platform supporting PayPal’s $28B Buy Now Pay Later (BNPL) global payments business, the preferred payment method for 32M PayPal customers.- Spearheaded discovery, backlog refinement and prioritization, feature design, MVP definition, development, and execution of the BNPL servicing product vision, strategy, and roadmap, driving multidisciplinary teams to launch a cloud-native (AWS hosted) solution reducing servicing costs per loan 93%, while improving system performance by 76%, and significantly reducing operational costs, delivering operational expense reduction of $8M in 2023, with projected 5-year savings of $128M.- Partnered with stakeholders to define the KPIs measuring success/failure of the platform launch including cost per loan, manual adjustment/correction rates, active users, and API performance (RPM, latency, and availability).- Conducted A/B tests and other experimentation to validate new servicing capabilities. Over a 30-day period ramped the new German BNPL servicing product from zero to 6M booked loans per month, with no critical customer impacts. - Managed regular cross functional alignment forums, collaborating across product, designers, operations, architecture, engineering, marketing, legal, and other stakeholders to ensure priorities are coordinated, using a data-driven approach to ensure the most impactful features are built first.- Equally passionate when working with customers and engineers, and everyone in between. Ensure my teammates clearly understand why we build what we build, and how we are making our end users’ lives better.

New York, Ny, Us

- Directed the analysis, requirements, design, build, and deployment of a new financial crimes intelligence and Risk as a Service (RaaS) platform, supported with ML algorithms and predictive analytics to further enhance identification of fraud patterns supporting multiple payment products simultaneously. Significantly reduced manual out sorts to operations, leading to improved customer experiences through faster and more accurate fraud risk assessments. - Integrated with external data sources including BioCatch (behavioral biometrics) and LexisNexis’ ThreatMetrix to augment organic data. Combined with mobile device data attributes, provided enhanced customer identification and protection against cybersecurity threats and financial crimes.- Delivered targeted software capabilities to improve fraud intelligence assessments, protecting customers over 60 years old representing 15% of total payment volume, however 40% of claims. Brought customer age into payment session to better inform risk decisions, lowering claim rates for this demographic by 27%.- Built fraud intelligence assessment and decisioning software capabilities supported by ML risk models enabling 3M+ ($8.5B+) payments daily. Reduced loss rates for Zelle payments by 38% (lowest among competitors), while reducing customer friction and operational expenses.- Provided fraud risk decisioning capabilities expertise supporting multiple digital payment methods to include Zelle, Bill Pay, ACH, RTP, and wire transfers.- Made data-driven decisions through analysis of datasets using SQL and BI tools (Tableau).

New York, Ny, Us

- Led the software engineering team tasked with building a new auto loan and auto lease origination system. This platform was offered both as a direct to consumer Chase branded solution, or a SaaS white-label solution, allowing brands like Aston Martin, Jaguar, Land Rover, Maserati, and others to provide Chase auto financing options for customers under their respective brands and unique customer experiences.- Delivered configurable features to support a broad range of auto lending requirements, supported by seamless integration with third party financial data providers (e.g., LexisNexis, Equifax, others), providing both higher quality and faster risk decisions; significantly improving loan performance and customer experiences.

New York, Ny, Us

- Owned the front-line transactional platform in 4,700 branches nationwide supporting consumer and business banking needs, providing a full range of financial services including deposits, withdraws, funds transfer, monetary instrument purchase, payments, global foreign currency exchange (FX), and account maintenance.- Interpreted financial regulations including BSA/AML and USA PATRIOT Act, subsequently designed and delivered software features across mobile, online, and branch channels protecting customers from financial crimes. Delivered timely identity verification, customer due diligence, ongoing monitoring, and CTR/SAR reporting capabilities.

Fort Bragg, Nc, Us

- Led the full intelligence cycle to include data planning, collection, processing, data analysis, reporting, and evaluation.- Developed innovative all-source intelligence capabilities supported by my expert-level understanding of the global financial system and the Counter Terrorist Financing (CTF) threat. Greatly enabled the Command’s intelligence enterprise to develop a deeper understanding of enemy financial facilitation networks. This resulted in the network development of enemy financial nodes spanning tactical, operational, and strategic levels, transregionally.- Actively collaborated with multiple outside agencies (FBI, HSI, Treasury, DIA, other Intelligence Community members) to develop and fulfill intelligence requirements and provided guidance on supporting programs to support crucial gaps in our knowledge and understanding within the threat finance domain. Engaged directly with forward operational commanders to provide detailed assessments critical to generating a common understanding for the Joint Special Operations Command and broader Intelligence Community.- Directed a four-member team of CTF technical data and intelligence analysts, producing six peer-reviewed all-source intelligence products. Briefed U.S. Government executive leaders, leading to OFAC sanctions and other actions.- Recognized as a technical SME who quickly brought innovative capabilities to bear particularly in the areas of mobile device intelligence and advanced money laundering techniques, advised senior leaders on targeting execution standards and operational decisions. Served as a critical technical intelligence liaison to named combat operations across multiple geographic areas of interest.Hold an active Top Secret, SCI security clearanceNote: Ongoing reserve duty is one weekend, monthly

Us

Built a SaaS B2B leave management platform

New York, Ny, Us

Built an internal business banking loan origination and credit risk decisioning platform supporting small and medium sized businesses

Columbus, Oh, Us

Built a new SaaS B2B automotive parts catalog solution to compliment Safelite's automotive glass businesses

San Francisco, California, Us

Formerly a Wachovia subsidiary (Pivot/Info-One), built an annuity trading platform

Columbus, Oh, Us

Formerly Blue Diesel, built customer facing pharmaceutical marketing and education capabilities

Armonk, New York, Ny, Us

Formerly Sterling Commerce, built multiple customer facing SaaS B2B ecommerce and logistics solutions

Bachelor Of Science - Bs, Computer Science

Master Of Business Administration - Mba

Command And Staff College