About me
I build secure systems that millions of people trust with their money.
For over two decades I’ve designed the secure web platform, payments rails, and authentication that everyday banking runs on, including the real-time network that became Zelle: systems built to stay up, stay private, and earn trust at national scale.
Open to advising fintech teams on secure payments at scale. Get in touch →
Patents
Credentialing, break-the-glass financial access, and privacy-preserving location.
Selected work
Shared bank-to-bank payment rails
Built and deployed ClearXchange integration, the real-time network that let customers of rival banks pay each other directly, the multi-institution model the industry later unified as Zelle.
One platform, every channel
Unified desktop, mobile-web, and hybrid-app banking into a single secure platform, the front door customers pass through every day.
AI planning, flown in combat
Led the team behind an AI mission planner the U.S. Air Force ran live, scheduling more than 2,000 sorties a day.
Background
At Wells Fargo I also led the integration of Wachovia online banking, ACH bill presentment and small-business remote-deposit platforms, FFIEC mandated authentication controls, and the migration of several hundred Java applications to a Cloud Foundry PaaS.
Beyond the two books I co-authored on resilient, message-driven systems, I’ve served as a reviewer or technical development editor on eight more, spanning machine learning, databases, and quantum software. My nine issued U.S. patents sit at the intersection of security, identity, and customer experience, from cloud credentialing to privacy-preserving location tracking.
Earlier: President of InterScales (building CMS and deployment system for wellsfargo.com), Technical Manager at Oracle’s Interactive Television Solutions and Data Warehousing groups, Associate at Booz Allen Hamilton, Computer Scientist at Advanced Decision Systems, and building flight-tested helmet-mounted displays at Kaiser Electronics. BS in Electrical Engineering and Computer Science, UC Berkeley.
