Hospitality payments were fragmented — manual deposit collection, hours of reconciliation, and no support for complex bookings like group blocks or split payments.

Built an Intelligent Payment Orchestration Suite with automated rules engine, 5-way split payments, multi-reservation auth, and card type differentiation.

Managed 20+ PSP relationships, projected 15% processing cost reduction, $100K annual margin increase, and transformed payments into a platform stickiness driver.

B2B event contracting and group bookings remained stuck in static PDFs, fragmented systems, and manual deposit chasing — causing slow turnaround, delayed cash flow, and security risks.

Built a 0-to-1 AI platform that converts static PDFs into digital contracts, automates milestone-based payments, and integrates with Amadeus Delphi and major PMS/CRM systems.

Shipped significantly faster than previous launches. Deployed to existing Canary customers across Four Seasons, Wyndham, and Choice Hotels properties. Key driver of $9M ARR portfolio growth.

Yodlee — a $200M ARR division of Envestnet serving 17 of the top US banks — needed to reinvent its mature $25M Account Verifications wedge AND find the next curve to scale beyond $200M against Envestnet's billion-dollar ambition.

Two 0→1 launches: Account Tokens (the bank-account analog to card tokens, reinventing the wedge) and Subscription & Bill Tracker (on Yodlee's data core, with a Bill Shark partnership and an embedded UX pivoted from BoA feedback).

5–8% gross revenue increase on the mature book. SBT advanced to deployment discussions with BoA Diamond, Navy Federal Credit Union, and smaller banks. The 0→1 work stayed shipped; Envestnet later slowed and sold Yodlee to PE firm STG (Symphony Technology Group) in 2025.

Hired by PE investors to drive next-stage growth and set up the exit. Three blockers: single-processor concentration on FIS/TD Bank, a reconciliation diligence hurdle that surfaced during M&A, and a product org that needed to scale with the acquisition story.

Ran three workstreams in parallel: added Fiserv/Wells Fargo alongside FIS/TD as a true multi-processor framework; engineered a reconciliation solution matching platform dollars against bank AND card-brand settlement; scaled product 5→15 and drove a full brand redesign.

400% revenue growth, $10M → $50M run-rate ARR. Acquired by FIS/Worldpay; became Worldpay for Platforms, now part of Global Payments.

Rapyd had global-first ambition but no real US product presence. As its first US product hire, the mandate was foundational: build the network, issuing, and rails Rapyd needed to compete with Stripe and Adyen.

Seeded RPGN with the first end-to-end APM integration (grew to 60+ APMs, 1,000+ methods); built Global Issuing in Mexico (Uber, Rappi), extended to Brazil and South Africa; built US ACH rails with Evolve Bank & Trust; ran product across SFO, Tel Aviv, and Singapore.

Foundational platform pieces that endured a post-Covid retrenchment into the EU. Rapyd is now valued at $5B+.

The deliberate move out of the PayPal bubble. Hybrid Director of Product role (LA every other week) at the industry leader in Chargeback Management. Mandate: grow the platform side and tie three product lines (Payment Platform, Intel Suite, Decline Salvage) into the chargeback flywheel.

Built the flywheel: merchants enter through Chargeback Management → convert to Payment Platform → which itself mitigates chargebacks. Then made the strategic call to deprecate Decline Salvage by building automatic Account Updater — reducing failures upstream rather than recovering downstream.

Cut fraud losses ~50%, risk exposure 20%. Re-platformed the stack. Built the team and foundations that contributed to the Visa acquisition.

A $4M platform Stax acquired from FIS was misfit in its architecture — leaking merchant payouts, failing third-party ACH for ISV partners. At Blackhawk, a ~2,700 TPS prepaid engine needed to hold uptime through holiday-season capacity events.

At Stax, recruited within 3 days to run build-or-buy under PE pressure; pursued both paths, then delivered fix over replace after the architecture read. At Blackhawk, led development of the processing engine that sustained the ~2,700 TPS peak.

Fix-over-replace saved millions and months of work versus a rebuild; platform carrying $500M+ monthly TPV and $20M daily consumer ACH left on a foundation the business could grow from. Blackhawk engine proven at ~2,700 TPS.

Knights of Columbus Financial Secretaries managed dues entirely by hand — paper notices, check processing, manual tracking — consuming 10+ hours/month with collection rates under 65%.

Built DuesSync: a full-stack SaaS platform with digital payments (card/ACH via Stripe), automated escalation notices, digital membership cards, and role-based access. Built with Claude as dev partner.

90% workload reduction for Financial Secretaries, 80%+ collection rate target, 15-minute council setup. Production app on Next.js 16, Prisma, PostgreSQL, Clerk, and Stripe.

Annual crab dinner fundraiser relied on phone calls, paper sign-ups, and cash/check payments — creating friction for buyers and administrative burden for volunteers.

Built a full event platform with online ticket sales, countdown timer, donation flow, sponsorship section, volunteer signup, FAQ, and Google Maps — using Next.js, Clerk, and Stripe.

Enterprise-grade fundraising platform for a community nonprofit, built in days. Enables ticket sales, donations, and sponsorships — all online, all automated.

Static resumes can't answer questions, demonstrate technical fluency, or convey 18 years of payments depth. A traditional portfolio format was too limiting.

Built this entire portfolio site in 1 week using Claude Sonnet 4.6 as co-pilot. Pure HTML/CSS/JS, live AI chat widget powered by Anthropic API with SSE streaming, deployed on Vercel.

9+ pages, zero frameworks, live AI assistant — proof that payments domain expertise and AI fluency together eliminate the need for a development team.

Catholic parishes run on fragmented tools that prioritize finance and neglect community and language access — leaving non-English-speaking parishioners (Spanish, Tagalog) underserved and staff buried in manual admin.

Built Nave: a multi-tenant "Parish OS" pairing a multilingual parishioner portal with a role-based staff back office — scheduling, communications, sacrament requests, and Safe Environment compliance in one system.

In pilot with its first parish, St. Mary's (Gilroy, CA). Multilingual (EN/ES/Tagalog), six staff permission tiers, days-not-months setup. The same multi-tenant, role-based systems thinking applied beyond payments.