Founded Grit – card issuing platform for the employee benefits sector that provides best in class payroll card with earned wage advances capability.The platform provides whitelabeled card and product offerings to their partners. The platform is also integrated into FIS, Fiserv and Jack Henry to enable payroll services to banks. Grit helps its customers access better loan products by securing their paycheck and reducing risk for the lenders. Built patented VISA processor which serves a credit bin with a debit like product. Raised $7M in seed round. Closed deals netting $30M over the next 6 years with some of the largest PEOs in the USA.

Using Smart Display to seamlessly merge retailers' physical and digital customer experiences

Founded innovation lab specializing in conceiving, developing, and launching proof-of-concept products, and then spinning off successful products as standalone companies. Lead global teams of 11 designers and 47 developers, collectively in branding and building world-class customer experiences.

Built the worlds first Heloc backed credit card to reduce cost of credit. Built revolutionary platform to assess property value and ownership to grant credit within 3 mins. Reached Unicorn status in 2024. Raised over $100M in capital and we are doing over $2B in transaction volume. Backed by some of the most well known VC firms and founding members of companies like Paypal, Sun Microsystems. Unicorn Status.

Conceived core IP for IoT cloud and custom hardware through Divertica, and brokered hardware partnership with CALAMPS and Razor—integrating cloud infrastructure to manage shared fleet business on top of the hardware. Highlights: Built first-release of white-labeled, mobile-app-based product allowing rental car / scooter companies to create a shared fleet in high-density urban areas—slashing costs through enhanced internal operations algorithms and elimination of retail locations and on-site staff. Architected API available through SDK, as well as product features such as theft detection and geo-fencing (e.g., no-ride and no-parking zones, speed limits). Built 11-engineer team and hired 55+ operations executives nationwide for shared business unit. Drove $30M gross income by Dec 2018. Won contracts across 11 U.S. cities, creating a 48,000-scooter fleet. Shaped and negotiated IP sale to Razor Scooters.

Joined following Cognizant's acquisition of Momentus Software—convening and managing 150-member cross-functional team (e.g., UI/UX designers, SW developers, HW engineers, cloud infrastructure, DevOps) across 14 studios and countries. Founded profit-sharing innovation accelerator, leading business and product strategy and co-defining new vision to launch digital product ventures for Cognizant's strategic clients ($35M client and above). Created and built digital product strategies, including: Goldman Sachs' new UI interface for consumer banking application. Hain Celestial's product strategy for B2C initiative. Macys' product roadmap for personal shopper mobile experience app. Shell Global's product strategy for autonomous drilling machines. SnapOn's 3D product to visualize containers within spaces using augmented reality.

Founded company to curate personalized and visionary in-store retail customer experiences (e.g., inventory search, seamless checkout). Media: “Bringing Intelligent CRM to the Shop Floor”. Built and patented first-of-its-kind “endless aisle” solution for brick-and-mortar retailers—making a retailer's full product catalog available at the customer's fingertips, and fueling competition with the world's leading e-commerce platforms. Payment infrastructure to enable in-store payment kiosks. New technology increases in-store conversion as much as 37% through strategies including retargeting and drop-shipping. Convened 13 software and hardware engineering team and hired 3 post-funding executives (CEO, CTO, and Head of BD. Shepherded $1.2M ARR with 300+ stores in Asia, Europe, and North America. Won contracts with flagship customers CVS, Zales, Pandora, SaveALot, Lululemon and Uniqlo, growing product strategy in partnership with customers' brand and marketing teams. Influenced and piloted “Smart Cosmetic Mirror” with Nordstrom to create in-store augmented reality makeup experience that records in-store sessions and uses RFID / CRM integration to continue post-session customer communication. Fundraised $3M in VC seed capital, and helped bring investors to the board, including several of Silicon Valley's most influential players.

Recruited by BN's CTO to lead engineering roadmap and platform / solution design for LCD and EPD device lines (product development / platform design) used by 5 million consumers worldwide—driving 20% market share increase. Directed 57-member cross-functional international teams on 6 consumer-centric mobile device releases including NOOK Simple Touch, NOOK Tablet, Nook GlowLight, Nook HD and Nook HD+, Nook Color, The New NOOK. Technical snapshot: NOOK GlowLight (Barnes & Noble, NOOK Media ): Led 7-member engineer team on 9 month project building latest generation EINK eReader product—presenting compelling new shopping engine and requiring backend cloud changes to improve predictive search patterns. NOOK HD (Barnes & Noble, NOOK Media): Led 9-member engineer team in building CTS compliant LCD Reader device with new user interface. Spearheaded negotiations with Google to offer Google Mobile Services applications on NOOK devices. Additionally, responsible for architecture of Android customization efforts involving all heavy lifting in areas such as SystemUI, Boot Sequence, Notifications, Settings, Home, Library and ActiveShelf. Partnered with global merchandising, operations and hardware teams to align software development and production schedules; and with Cloud and Application teams to integrate device engagement with cloud / content display (books, media, applications), catalog, and other market drivers. Appointed to elite Digital Management Reward Program to share device sale percentage.

Founded multimillion-dollar mobile applications development boutique, leading 43-member international engineering team on custom design, UI/UX, mobile and enterprise builds for Fortune 500 and unicorn start-ups. Cognizant acquired Momentus for $15M in 2017. Developed strategy and design, built, and launched 70+ million-dollar products for 60+ Tier 1 clients, including: AAA's consumer-facing mobile digital magazine (VIA AAA). Clover's world-first Android-based POS. Dell's enterprise email calendar contact application, foundational for Dell-EMC partnership. Fox's first American Idol app, supporting online voting of 35 million users. GE's new IoT Smart Cities application, launched with San Diego. HotelTonight's award-winning mobile application, earning Apple and Google Stores accolades. Luxottica's world-first augmented reality “virtual try-on” for eyeglasses, with design awards by Apple and Google. Lululemon's e-commerce mobile app and in-store technology strategy. PostMates'Android and iOS app. Reddit's first video feature infrastructure. Revlon's first virtual nail polish “try-on” app. Starbucks' first mobile payment application. Tempurpedic' self-checkout customer experience for pop-up stores. Micros/Oracle's companion mobile app for POS. Shell Global's logistics and freight platform for smarter energy, and transport solutions. Verizon Wireless (7 new products). Whole Foods' mobile recipe app.

Recruited by BN's CTO to lead engineering roadmap and platform / solution design for LCD and EPD device lines (product development / platform design) used by 5 million consumers worldwide—driving 20% market share increase. Directed 57-member cross-functional international teams on 6 consumer-centric mobile device releases including NOOK Simple Touch, NOOK Tablet, Nook GlowLight, Nook HD and Nook HD+, Nook Color, The New NOOK. Technical snapshot: NOOK GlowLight (Barnes & Noble, NOOK Media ): Led 7-member engineer team on 9 month project building latest generation EINK eReader product—presenting compelling new shopping engine and requiring backend cloud changes to improve predictive search patterns. NOOK HD (Barnes & Noble, NOOK Media): Led 9-member engineer team in building CTS compliant LCD Reader device with new user interface. Spearheaded negotiations with Google to offer Google Mobile Services applications on NOOK devices. Additionally, responsible for architecture of Android customization efforts involving all heavy lifting in areas such as SystemUI, Boot Sequence, Notifications, Settings, Home, Library and ActiveShelf. Partnered with global merchandising, operations and hardware teams to align software development and production schedules; and with Cloud and Application teams to integrate device engagement with cloud / content display (books, media, applications), catalog, and other market drivers. Appointed to elite Digital Management Reward Program to share device sale percentage.

Recruited to join Acrobat Product development. Aggressively promoted across Flash Runtime SDK and Integration and cross-platform application development platform. Served as lead product developer and architect, managing 65- to 115-member engineering teams on 3-18 month development of 10 enterprise products including Acrobat, Acrobat Distiller, Adobe Magazine Viewer, Adobe Mobile Client, Blackberry Playbook, Flash and Air Runtime, Flashlite, PostScript and PDF Library. Highlights: Adobe Air / Flash Runtime (Adobe Systems): Part of 100+-member team porting Adobe AIR / Flash Runtime platform to Android and QNX. Worked extensively across Unicode support, text, Video / Audio features, Android Media framework (OpenMax, MediaCodec, stagefireght) font, sound, networking, printing, actionscript, IE activeX control, netscape plug-in, timer management, Win32 standalone player implementation, video, and flash communication. Acrobat JavaScript (Adobe Systems): Worked on 7 month project extending Acrobat JavaScript interface leading to adoption by 250,000 users by within 12 months of release. Flashlite Runtime SDK (Adobe Systems): Directed 3-member engineering team on 9-month project porting flashlite to Nokia and Samsung devices.

Recruited to join Acrobat Product development. Aggressively promoted across Flash Runtime SDK and Integration and cross-platform application development platform. Served as lead product developer and architect, managing 65- to 115-member engineering teams on 3-18 month development of 10 enterprise products including Acrobat, Acrobat Distiller, Adobe Magazine Viewer, Adobe Mobile Client, Blackberry Playbook, Flash and Air Runtime, Flashlite, PostScript and PDF Library. Highlights: Adobe Air / Flash Runtime (Adobe Systems): Part of 100+-member team porting Adobe AIR / Flash Runtime platform to Android and QNX. Worked extensively across Unicode support, text, Video / Audio features, Android Media framework (OpenMax, MediaCodec, stagefireght) font, sound, networking, printing, actionscript, IE activeX control, netscape plug-in, timer management, Win32 standalone player implementation, video, and flash communication. Acrobat JavaScript (Adobe Systems): Worked on 7 month project extending Acrobat JavaScript interface leading to adoption by 250,000 users by within 12 months of release. Flashlite Runtime SDK (Adobe Systems): Directed 3-member engineering team on 9-month project porting flashlite to Nokia and Samsung devices.

Recruited to join Acrobat Product development. Aggressively promoted across Flash Runtime SDK and Integration and cross-platform application development platform. Served as lead product developer and architect, managing 65- to 115-member engineering teams on 3-18 month development of 10 enterprise products including Acrobat, Acrobat Distiller, Adobe Magazine Viewer, Adobe Mobile Client, Blackberry Playbook, Flash and Air Runtime, Flashlite, PostScript and PDF Library. Highlights: Adobe Air / Flash Runtime (Adobe Systems): Part of 100+-member team porting Adobe AIR / Flash Runtime platform to Android and QNX. Worked extensively across Unicode support, text, Video / Audio features, Android Media framework (OpenMax, MediaCodec, stagefireght) font, sound, networking, printing, actionscript, IE activeX control, netscape plug-in, timer management, Win32 standalone player implementation, video, and flash communication. Acrobat JavaScript (Adobe Systems): Worked on 7 month project extending Acrobat JavaScript interface leading to adoption by 250,000 users by within 12 months of release. Flashlite Runtime SDK (Adobe Systems): Directed 3-member engineering team on 9-month project porting flashlite to Nokia and Samsung devices.