Lead cross-functional team in technical product engineering for the Merchant division, driving strategic design initiatives and scaling product delivery in a rapidly growing business.• Design Leadership: Guided design strategy and delivered customer experience improvements for the merchant platform, overseeing data research, product discovery and feature intake, and refining processes for multiple value streams.• Scaling & Collaboration: Scaled the team to efficiently support 24/7 product delivery, recruiting top talent, and collaborating closely with engineering, product, and design teams to ensure seamless integration and operational excellence.• Customer-Centric Focus: Delivered product features enhancing merchant experience, focused on both customer satisfaction and business growth. Maintained a culture of delighting customers and team members.• Design Systems: Implemented design systems and processes that streamlined cross-functional collaboration, resulting in faster delivery of high-quality customer experiences.• Operational Excellence: Introduced metrics and data-driven methodologies to enhance performance and product value, aligning design solutions with business goals.• Team Leadership: Shape and drive organizational strategy, direction, and culture through guiding principles, 360 feedback, ongoing coaching, training, and development with direct reports, skip-levels, and mentoring across organizational boundaries

Oversaw the Site Reliability Engineering organization for the flagship Loyalty Product platform, focusing on improving customer experiences and driving platform stability across B2C product, supporting millions of users.• User Experience & Design Strategy: Led initiatives focused on improving real-time user metrics and service reliability to enhance the overall customer experience for the loyalty program and affiliates. This encompassed experiences across millions of users.• Leveraged customer experience data to inform product improvements and guide engineering teams in developing user-centered features, enhancing both user satisfaction and product innovation.• Collaboration & Leadership: Led and coached multiple scrum teams, fostering a collaborative design culture and refining team processes to drive product innovation and efficiency.• Operational Efficiency: Shipped a next-gen regression test framework, resulting in significant quality improvements, time savings, and an improved product lifecycle.

Led and scaled top talent Technical Product Engineering organization in the payments space delivering features on Bill Pay B2C product, servicing 30 million users across web, mobile, and other channels.• Team Leadership & Transformation: Managed cross-functional design and engineering teams to launch various B2C and B2B payment features, leveraging machine learning to enhance customer experience.• Strategic Design Leadership: Introduced design systems and user-centered design processes, streamlining product development for payment systems with a focus on innovation and user needs.• User Research and Product Experience: Leveraged user analytics, experiments, A/B and Split testing, and other methods to continuously improve customer experience • Operational Innovation: Spearheaded internal experience improvements, reducing friction and enhancing engineering and design efficiencies across the organization to improve time to market for flagship B2C product.

Directed product design and rapid prototyping for digital bank services, focusing on user-centric experiences and next-gen digital innovation.• Design Leadership: Led UX design and prototyping for B2C web, iOS and Android applications, including AR rewards and gamification, simplified banking, and AI-driven enhancements to ensure seamless user experiences. Directed developer / customer experience initiatives for the Amex API Portal.• User Research & Data-Driven Design: Conducted user research and product evaluations to drive design strategy and improve usability for B2B platforms, while leading architecture and guidance with engineering.• Innovation & Prototyping: Developed proof-of-concepts (POCs) for digital AI and AR experiences to rapidly experiment and refine for customers, fostering a culture of innovation and experimentation.

Led the development of innovative B2C product and B2B platform, focusing on user experience, compliance, and seamless integration with legacy banking platforms.• User-Centered Design: Drove product design for mobile applications and API experiences, ensuring that user needs were at the forefront of development. • Rapid Prototyping and Data-Driven Design: Leveraged rapid customer feedback loop and analytics to perform regular UX experiments and refinement• Cross-Functional Leadership: Managed technical integrations and design systems, facilitating collaboration across teams to ensure regulatory compliance and product success.

• Led Solution Architecture, Product Design, and development for high-performance middleware and orchestration engine for Deposits Technology.• Led Application Architecture and Environment team for Deposits Domain applications, Java EE stack.• Stabilized application environment on customer-impacting applications through improvements to SDLC / Agile / DevOps processes.

• Met with startups to evaluate products for integration • Product Design around new wallet integrations (V.me, Masterpass)• Led solutions architecture and business integration with MasterCard / BAC MasterPass API and wallet integration.• Led architecture and development team for highly-scaled fault-tolerant B2B middleware application connecting systems and service interfaces to business partners, integrating disparate technologies–.NET, Java EE, MSMQ, MQ.• Integrated high-transaction .NET customer communication application with Pega PRPC by building a SOAP API layer.• Integrated SalesForce.Com applications with SSO, ETL processes, and BPM tools.

• Sr. Architect for BAC System Architecture efforts on Divestiture of Balboa Insurance Company application portfolio in 2B sale to QBE Insurance Group. • Led architecture and development efforts to secure legacy .NET applications with end-to-end encryption, as well as migrating aging SQL Server ETL processes to modern platform.• Mapped Insurance business domains and process models in support of Enterprise Architecture strategy.•Managed team of developers and led projects for large-scale transition and conversion.

Operated various LLC businesses providing web design, e-commerce, payments, SEO, SEM, marketing and other solutions to small to mid-size businesses, including numerous corporate clients. Led team of designers and engineers to deliver flawless customer experiences.Crafted custom web applications, data / app integrations, and multi-tenant software supporting diverse customer needs.

• Led .NET Architecture efforts for Global Markets Research and Innovation team.• Managed lifecycle and strategy for enterprise .NET application framework supporting high transaction Markets applications.• Integrated .NET applications with enterprise source code search engine.

• Hands-on architect and software development team manager. • Led bank-wide Microsoft TFS Pilot program, through .NET and ALM CoEs, achieving core designation on technology, and integrating BAC, Countrywide, and Merrill investments.• Led team of .NET developers through major overhaul of applications to comply with CARD Act legislation.• Architected comprehensive .NET security and instrumentation suite for WCF middleware API.

• Architected and led development for large-scale SOA platform, processing research, settlement, and reconciliation of card transactions. Employed SOA architecture, extensive ETL with SQL Server and mainframe data sources, and .NET smart client UI. Platform enabled 3MM / year savings. Microsoft published white paper on project.• Supported wide-scale integration of systems between legacy bank and MBNA during merger.• Led architecture and development for .NET software development team of ~30 developers.• Introduced Microsoft Team Foundation Server to the bank, and led first POC.

• Designed and developed web, smartclient, and backend applications using C#, VB.Net, and SQL Server, integrating with overall enterprise architecture.• Responsible for development standards and code reviews. Ensured compliance with HIPAA and Sarbanes-Oxley regulations.• Led development of customer-facing service portal and backoffice suite, encompassing several critical applications. Distributed application architecture, high-security implementation, heavy use of SOA patterns and WS-* technologies.• Designed enterprise SOA frameworks for managing security, logging, and reporting.• Integrated .NET web applications with business partner’s J2EE document management platform, using SOAP / WSE.

Provided technical leadership for .NET development team. Designed and implemented web and client-server applications deployed to high-volume payment and healthcare transaction environments using C# and SQL Server. Led .NET and SOAP integration JAD work with business partner for design and integration of flagship enterprise applications built with disparate technologies.Key Accomplishments• Played key role in architecture of corporate website, composed of myriad applications serving health care beneficiaries, medical providers, and government partners. Implemented stringent security requirements for compliance with HIPAA and DoD DITSCAP security mandates. Solved interoperability and technology-integration challenges, through application of web service and design patterns. • Developed secure web-based fee payment application for processing credit card and ACH payments. Integrated third-party J2EE IVR system by designing custom web service API.• Implemented batch processes to monitor applications and integrated .NET applications with mainframe applications.• Identified extensive security holes in legacy web applications, architected and implemented mitigations.

Worked for various boutique web design shops as well as an independent contractor.Designed and developed websites and e-commerce sites using ASP / VB, ColdFusion, Perl/CGI, and PHP. Created website designs in Photoshop, PSD -> XHTML + CSS conversion.Key Accomplishments• Developed and maintained high-traffic websites with social and collaborative features.• Developed shopping cart and fee payment application for travel agency website, using ColdFusion and SQL Server, integrated with SOAP-based payment processing API.• Built comprehensive website search and indexing engine using ASP and SQL Server.• Developed and maintained web applications using PHP and MySQL.