End-to-end ownership
I own products from discovery through rollout: problem framing, scope, acceptance criteria, UAT, launch coordination, and iteration.
Digital product · Fintech · AI
Turning complex fintech integrations into shipped, usable products.
Product Owner with 8+ years in fintech delivery across digital banking, payments, and integrations. I structure ambiguous system problems into scalable product workflows, then use AI-assisted tooling (Cursor, Kiro, agents) to reduce manual effort and accelerate discovery, specification, QA readiness, and release execution.
Product work across ACH, Positive Pay, SDK/API integrations, business banking, and self-service flows used in production banking environments.
Target: Senior Product Owner / Product Manager
Domain: Fintech, payments, platform banking
Experience: 8+ years across banking operations and product delivery
Strengths: Integrations, execution, release delivery under constraints
What I bring
Fast scan for recruiters, deeper signal for hiring managers.
Integration-first execution
I lead complex third-party and internal integrations across SDKs, APIs, and identity layers, aligning product, engineering, compliance, and operations to deliver stable, scalable releases.
Platform thinking, AI-enabled delivery
I design pragmatic paths through core banking limitations with phased MVPs, then use Cursor, Kiro, and agent workflows to accelerate documentation, prototyping, and execution.
Ship what customers can trust now, while building the platform architecture needed next.
Selected product work
Selected initiatives that show how I frame hard product problems, make integration tradeoffs, and ship from definition through release.
ACH Positive Pay transformation
Featured case study · Product Owner · ACH controls and exception workflows
Result: Established a scalable bridge from opaque rules-driven ACH handling to clearer exception-based decisioning with stronger user control, faster decision-making, and lower support ambiguity.
Problem: legacy ACH Positive Pay logic relied on hidden backend rule behavior, leaving institutions with limited visibility and inconsistent decisioning experiences for unmatched incoming ACH activity.
Context
The legacy model did not behave like standard exception-first Positive Pay experiences. Users could not reliably see or action unmatched ACH items in a clear review workflow.
Constraints
Core-system limitations restricted full redesign scope, compliance required auditable decision states, and rollout needed low-risk sequencing across active banking clients.
Strategic decisions
- Chose an MVP blanket-block pattern to deliver visible customer value quickly instead of waiting on a high-risk full core rewrite.
- Sequenced explicit decision states and audit context ahead of advanced automation so compliance and operations were stable first.
- Prioritized clear exception queue behavior over edge-case breadth to reduce confusion and support load early in rollout.
- Used phased implementation to balance backend constraints, client rollout risk, and future rule-to-exception evolution.
Scope of ownership
- Decision ownership: Owned MVP scope, exception decision-state design, and release sequencing tradeoffs.
- Stakeholders involved: Partnered with engineering, core SMEs, compliance, operations, and banking clients.
- Lifecycle ownership: Led discovery, story definition, implementation planning, UAT alignment, and phased rollout.
- System scope: ACH controls, exception queue behavior, decision actions, and audit/posting context across digital banking workflows.
Business impact
- Customer impact: Improved visibility into ACH exceptions and enabled faster, clearer pay/return decisions.
- Operational impact: Decreased reliance on support escalations by making decision states and outcomes explicit.
- Business impact: Created a scalable control model institutions could adopt without waiting on full core replacement.
Incoming ACH activity is identified before it becomes an unclear customer-support issue.
Approach
Defined an MVP with a default blanket-block rule so inbound ACH items entered an exception queue immediately, then mapped decision states, posting rules, and audit events before backend changes.
Ownership
Wrote Gherkin acceptance criteria, sequenced dependency tickets for rule creation and decision APIs, and ran implementation trade-off calls with core SMEs and engineers.
Impact
Increased clarity and control in ACH exception handling, reduced workflow ambiguity, and enabled a scalable path toward mature exception-first controls.
Why this mattered: it converted a hard-to-explain backend behavior into a clearer customer-facing control model that teams could trust and scale.
Case study available on request.
Business services expansion (Hurdlr)
Product Owner · Phased rollout across web and mobile
Business users lacked integrated tools for invoicing, expense tracking, income management, tax estimation, and reporting.
Result: Enabled business users to complete invoicing, expense tracking, tax estimation, and reporting directly in digital banking, decreasing reliance on external tools and fragmented workflows.
Approach
Owned phased delivery of Hurdlr SDK modules (invoicing, expenses, income, tax, reporting), including API handoffs, account mapping, entitlement rules, and web/mobile parity decisions.
Outcome
Enabled faster delivery of business-banking capabilities and a cleaner rollout model for future premium features.
Selected screens from the Business Services suite (invoicing, expenses, taxes, reporting) integrated into digital banking.
Business impact
- Customer impact: Increased clarity and control by unifying invoicing, expenses, taxes, and reporting in one experience.
- Operational impact: Streamlined implementation and support with standardized SDK-driven capabilities across web and mobile.
- Business impact: Expanded product depth for business banking clients and strengthened premium feature positioning.
Case study available on request.
Transaction Folders redesign
Product Owner · Rebrand and platform evolution
"Spending Folders" supported debit categorization only, limiting business value and creating unclear feature positioning.
Result: Enabled bidirectional transaction organization, streamlined categorization workflows, and reduced ambiguity in folder-based reporting context.
Approach
Reframed and redesigned the feature as "Transaction Folders" with credit/debit support, metadata tagging rules, bulk/manual assignment workflows, and linkage points into Check Positive Pay exceptions.
Outcome
Increased utility by enabling richer organization, clearer reporting context, and stronger alignment with adjacent risk controls.
Transaction Folders redesign on mobile.
Case study available on request.
Savings Goals redesign
Product Owner · Mobile goals experience
Goal tracking needed a clearer, action-first mobile experience so users could monitor progress and manage contributions without leaving digital banking.
Result: Increased visibility into goal progress and accelerated contribution actions for one-time and recurring deposits.
Approach
Owned redesign scope for goal detail workflows, including progress visibility, one-time transfer and recurring deposit management, and activity context in a single screen hierarchy.
Outcome
Improved goals clarity with clearer balance-to-target progress and faster contribution actions.
Savings Goals redesign on mobile.
Case study available on request.
Stop Payment self-service
Product Owner · Web & mobile
Stop payment requests were manual and support-heavy, creating unnecessary friction for users and operations.
Result: Shifted stop-payment initiation into self-service flows that reduced manual handling, enabled faster action, and improved user control during time-sensitive events.
Approach
Led self-service design and delivery for single and range-based stop requests with account-level vs global fee configuration, disclosure rules, confirmation states, and audit trail requirements across web and mobile.
Outcome
Reduced operational dependency on manual channels, increased customer control, and established reusable self-service patterns.
Stop payment screens available on request.
Business impact
- Customer impact: Enabled faster, self-directed control over urgent payment actions.
- Operational impact: Decreased reliance on manual request handling by moving high-volume flows into online channels.
- Business impact: Enabled institutions to scale service with clearer fee/configuration logic and lower support burden.
Case study available on request.
Chat and Messaging SDK integration (NICE CXone)
Product Owner · Mobile SDK and white-label delivery
Built a consistent in-app messaging experience across multiple client environments with distinct branding, routing, and service requirements.
Result: Delivered a reusable messaging integration model that streamlined white-label deployment setup, routing behavior, and customer context handoff while accelerating multi-client rollout readiness.
Approach
Owned NICE CXone mobile SDK setup for a white-label model: channel configuration per FI, brand/theme controls, bot-to-agent routing, customer metadata context passing, post-chat survey behavior, and language handling.
Outcome
Enabled scalable messaging with preserved customer context and more consistent operations across deployments.
Case study available on request.
Commercial credit card platform integration
Product Owner · Third-party platform integration
Integrated a third-party commercial credit card platform into digital banking experiences with complex servicing and operational requirements.
Result: Enabled role-aware card servicing and controls with a rollout model that balanced API complexity, entitlement accuracy, and operational reliability while improving day-to-day servicing clarity.
Approach
Defined API-driven servicing flows for card controls, spend limits, freeze/unfreeze actions, and role-based permissions for admins, operators, and viewers; sequenced implementation and rollout cutovers.
Outcome
Enabled clearer card controls, better servicing pathways, and reliable rollout execution.
Case study available on request.
AI & modern delivery
I use AI directly in product execution to reduce manual effort and speed delivery.
Practices & tooling
- Turn rough discovery notes into ready-to-build Jira stories and acceptance criteria.
- Use Kiro and agent workflows to generate release notes, decision logs, and implementation docs faster.
- Prototype user flows and edge cases before committing engineering scope
- Accelerate QA prep with AI-assisted test scenarios for integration and entitlement paths.
- Transform repetitive product work into reusable systems that improve efficiency and delivery scalability.
This workflow improves iteration speed and decision quality while keeping delivery disciplined in regulated fintech environments.
Experience
Impact-focused timeline across product delivery and banking operations.
Nymbus
Digital Product Owner
September 2024 – Present
- Own digital banking product delivery across ACH controls, payments, business services, and self-service experiences on web and mobile.
- Lead integration-heavy initiatives spanning SDKs, APIs, and SSO while structuring ambiguous behaviors into clear product and system workflows.
- Design AI-assisted workflows for ticketing, specification, QA preparation, and documentation to improve delivery speed and reduce repetitive manual effort.
- Build repeatable templates, patterns, and decision-support workflows that make delivery more scalable across teams and institutions.
- Partner with engineering, compliance, and operations from discovery through rollout to optimize processes under core-system constraints.
Nymbus
Digital Product Analyst
May 2022 – September 2024
- Strengthened multi-team agile delivery through planning discipline, dependency visibility, and risk management.
- Partnered with product owners and engineering to improve release readiness and execution consistency.
Regions Bank
Operations & contact center leadership (AVP)
2017 – 2022
- Led service operations, training, and team performance in commercial banking support environments, building deep operational context for product decisions.
Tools & domains
Mix of product craft, delivery, and banking depth.
Jira
Confluence
Gherkin / BDD
Agile / Scrum
SQL
ACH / NACHA
Treasury & digital banking
UAT
GitLab
Figma
API & SDK integrations
Cursor
AI agents & skills
Education & certifications
Computer Science
Jefferson State Community College — May 2014
Certified Scrum Product Owner
Knowledgehut — June 2022
Contact
Interested in product leadership roles with meaningful AI leverage.
Additional implementation details and integration architecture case studies are available on request.