CPO & Head of Engineering -US Businesses. Retirement, Group, Life & Retail

Revolutionizing Digital Healthcare & E-commerce! At ZipLaneRx, we're transforming the landscape of healthcare and e-commerce for both customers and practitioners - Pharmacists, GP’s & Pathologists in UK. Our platform offers a seamless, integrated experience to avail & render over 170 NHS, Private and GP Services. With the upcoming launch of prescription services and 4000+ products in Q4, comprehensive healthcare will be more accessible than ever!And this is just the beginning!

Building the future of data and AI-driven connectivity in Wealth, Tax, and Investor communications.

CIO, Product Engineering for Consumer Secured & Unsecured Lending. Mortgage, Capital Markets, HELOC, Auto, Card, CitizensPay (BNPL) and Student Lending.

Reimagine the next generation of cloud platforms for Neo Bank, Lending, Securitizations, Credit Risk & Assisted Chanels.- National Storefronts- Lending - E2E Originations, Underwriting, Processing, Issuance, Disbursements & Servicing.- Synthetic & Full credit linked note securitizations- Highly advanced RPA for straight through front, middle & back office processing.- Omni-Channel digitized servicing and last mile intelligence. - OCR capabilities for complete digitization of documents- capture, orientation, reduced pixelation, extraction, scoring, processing & archiving. - Text Mining capabilities with advanced ML clustering & automated classifications & processing.- Communications platforms for real-time text & e-mail communications with multi-factor authentications.

Global leader leading revenue diversification through alternative data products. Responsible for the strategy, engineering, architecture, information management and Data science functions across the enterprise. Highlights:- Voice insights marketplace blueprint - voice <—> text <—> sentiments <—> insights <—> monetization- Trader network graph to better cross-sell products and services - Buy-side <—> Broker <—> Sell-Side.- Email agnostic machine learnt trader identity - think BrokerCheck alternative!- Trader on-boarding automation using RPA and alternative data resulting in 90%+ automation. - Comprehensive information management and data lake for un/structured data and enhanced regulatory compliance for GDPR and CCPA.

Global technology leader responsible for marketing and risk transformations leading R&D, engineering, architecture, information management and operations. Highlights:- Ground-up built a highly engaged team of 100+ engineers- Idea to execution of numerous innovative and patented machine learnt data driven products - contextual search engine; enterprise identity 360; network influence graph; product and channel personalization recommendation engines; real-time federated query engine. - Championed tech debt consolidation of legacy C2C, C2B, B2B platforms- Technology modernization through integrated architecture frameworks, RPA, Big Data real-time, mobile and full-stack engineering - Built a world-class information management practice leveraged by global applications, analytics and BI - Ingestion; Data Architecture; Services; Access Management; Governance and Compliance

Led a small team with responsibilities of R&D, platform engineering and solution architecture. Highlights:• Launched global B2C personalized recommendation platform (www.amexvicinity.com) • Launched Real-time machine learnt scoring capabilities for Customer and Risk Management• Pilot foundational big data capabilities for Metadata management, Ingestion, Organization and Analytics on Big Data.

Championed the digital adoption of customers across web, mobile, app pilloried around:• Centralized Amex first customer data lake for digital interaction data• Established Amex first digital linking capability to tie social handles, emails, phone’s and GUID’s to the customer ID. • Automated monitoring of enterprise digital measurements and advanced digital analytics enhancing digital journeys and driving call displacement

Minimized operational risk by successfully launching integrated global customer privacy capabilities across 17 markets ensuring timely capture, storage and usage of privacy choices; Decreased breach notification cycle-time by 70% through automation; Led the analytics and regulatory (internal + external) reporting for Privacy.

Drove efficient and profitable customer marketing through profiling, segmentation, cross-product optimization, design and delivery of marketing campaigns across direct mail, email, phone and online channels.

Management consulting for fortune 100 companies advising and engineering solutions for SOX compliance, KYC, fraud prevention, forensics and Data Management.

External consulting for software development, web-site and e-commerce design and development and client database administration.