discipline ↓ · domain →
Engineering1998–2012, and again solo
Product2012 →
Reconciliation & money flowswhere is the money
Diligence & the investor storyPE, boards, acquirers
Partnerships & railsprocessors, banks, PSPs
Compliance & auditNACHA, fraud, statute
Team & orghiring, time zones
Financial services1998 → · Yodlee 2021–24
Banking systems for Wells Fargo, JP Morgan, Citibank, Emirates; lending systems for MSFC and SICOM.
Two 0→1 launches at
Yodlee beside a mature $25M wedge: Account Tokens, Subscription & Bill Tracker.
The case for a $200M division's next curve inside Envestnet; the two launches added roughly 5 to 8% gross revenue on a mature book.
Account verification for 17 of the top US banks; deployment talks with BoA Diamond and Navy Federal.
Audit-ready onsite-offshore delivery inside Wells Fargo under bank SLAs.
Onsite-offshore team across SF and Mumbai at Syntel.
eCommerce2007–08 · PayPal 2012–13
Owned the performance portfolio of Marketlive 5.x; about 20% out-of-the-box lift.
Digital gift cards on eBay.com and paypal-gifts.com; PayPal's first in-store card with The Home Depot, shelved when mobile won.
The Home Depot as launch partner; Discover as the processing layer behind the card.
Payments2008–2025
~2,700 TPS prepaid processing engine and the NOC dashboard at
Blackhawk.
Stored value under the PayPal wallet, 200M+ users, 25 currencies. Account Updater that replaced Decline Salvage at
Verifi.
Platform dollars matched to bank and card-brand settlement at
Payrix; the same rebuild at Stax on $500M+ monthly TPV.
Hired by Payrix's PE investors ahead of the sale process; build-or-buy under PE at Stax. Verifi and Payrix were later acquired.
Second rail (Fiserv/Wells Fargo) at Payrix; ACH with Evolve and 60+ APMs seeded at
Rapyd.
External NACHA ACH audits initiated at Stax; fraud losses cut ~50% at Verifi.
Product 5 → 15 at Payrix under M&A pressure; product org across SFO, Tel Aviv and Singapore at Rapyd.
Hospitality2025–26
Three products at three life stages at
Canary; a written-off one rebuilt as
AI Contracts with a Payment Hub.
Modeled the $100M ARR payments plan; founders chose to fund AI for hotels instead.
20+ PSP integrations owned; Ant Financial added for cross-border hotel chains.
Nonprofits2026 →
Three vertical SaaS products, live or in pilot, with real users.
DuesSync caps card fees at Stripe's cost, server-side; SundaySquares moves no money through the platform.
Stripe Connect for DuesSync; in-person card readers only for SundaySquares.
SundaySquares built around California's raffle statute: in-person sales only, no online ticketing.
Research2026 →
Research platform for the AI era at
Lumivero, across five acquired product lines. Started August 31.
