Enterprise Platform Product Management | FinTech · InsurTech · Digital Banking · Agentic AI | 15+ Years in Regulated Financial Environments
Choose the area that matters to you. The detail opens here — without making you scroll through everything else first.
01About Me
Payments · Lending · AI-Enabled Operations · 15+ Years
I specialize in payments, lending, and AI-enabled operational systems. I operate at the intersection of product, engineering, and operations — owning platform outcomes, influencing architecture, and driving measurable business impact in regulated environments.
I'm particularly effective in integration-heavy, cross-functional environments where AI proposes, humans decide, and telemetry turns operational judgment into measurable product iteration — especially in fintech and regulated workflows.
02Enterprise AI Portfolio
Live AI products across banking, FinOps, product intelligence & operations
Every product below is live and interactive. Privacy-first AI intelligence built for regulated financial environments — where humans stay in control.
A full-stack enterprise AI workstation demonstrating what responsible, governed, explainable AI looks like in wealth management. Built to show how AI can assist advisors while humans remain fully accountable.
Enterprise platform governance. Executive scorecards. AI governance and FinOps. A production-deployed operating system giving platform leaders one model for modernization, investment decisions, and responsible AI adoption across Salesforce, ServiceNow, Boomi, Microsoft Copilot, and more.
A production-deployed AI FinOps platform giving platform and finance leaders one governed view of spend, forecasting, and unit economics across every AI vendor in the stack — Anthropic, OpenAI, Gemini, and Cursor included. Built for the moment AI spend stops being a rounding error and starts needing a governance model.
A privacy-first, customer-facing agentic assistant that answers members' banking questions using only public-facing information — instantly. Reduces lobby lines and improves member experience at credit unions and banks.
A privacy-first, internally-facing agentic assistant that answers internal banking questions using approved public-facing information — instantly. Stops the cycle where your most knowledgeable employee can't get through her own work because everyone needs her.
A privacy-first, customer-facing quality control agentic assistant. Customer trust erodes when digital experiences break. Scout catches issues before your website customers do — checking site loading, broken links, and customer journey flows after every release.
Get more: Add multiple pages · Scheduled reviews · Email report delivery · Customer journey flow reviews · Monetization evaluations
Capture ideas through natural conversation. Claude transforms them into structured product proposals ready for review and prioritization. Built on Cloudflare's serverless edge with real Claude API integration — no friction between insight and artifact.
A production-deployed product growth intelligence platform that scores product health across a modular pillar framework — turning fragmented signals into a single measurable view for product and executive teams.
A conversational banking prototype where every money movement stays guided-form-first — never free text — while a Claude-powered AI Banker handles natural-language questions and can open the right form for you, pre-filled but always customer-confirmed. Now expanding into investment accounts, with live stock and crypto holdings alongside checking, savings, credit cards, and lease-to-own accounts.
A working founder operations console that turns goals, meetings, follow-ups, and execution signals into one connected operating system — integrating Notion, Linear, Attio, Google Calendar, and Claude so recurring operational work can be automated instead of manually chased.
A consumer-facing plant recommendation engine that matches flowers, shrubs, and trees to a gardener's exact conditions — USDA hardiness zone, available sunlight, and the current planting month — then hands off to a Claude-powered chat assistant for follow-up questions.
A live multi-rail payments operations workspace spanning ACH, FedNow, FedWire, and RTP. Specialist AI teams work through rail-specific daily run books, inspect operational evidence, surface reconciliation breaks and risk, then pause for a human SME to approve each step — with operator productivity reporting, manager oversight, and a durable Neon audit trail.
A production-deployed agentic AI lab for operational incident investigation. The same incident and retrieved evidence can be run through LangGraph, CrewAI, or AutoGen so orchestration behavior is directly comparable — with RAG, vector retrieval, measured telemetry, and human approval boundaries built into the runtime.
03Career
Wells Fargo · First American · Finance of America · ICW Group · Tealium
Fifteen years of platform ownership, systems integration, and AI-enabled product delivery across fintech, insurance, and lending.
Founded an AI product studio and designed, built, and deployed a portfolio of enterprise AI platforms and operational products demonstrating governance, product strategy, customer experience, workflow automation, custom agentic workflow design, and responsible AI in regulated environments. Each product built on the principle that AI proposes and humans decide.
Led a platform product organization of 6 Product Owners across ICW's digital platforms and PaaS infrastructure. Reduced release cycles by 40% through process modernization and delivery rhythm improvements.
Owned end-to-end product delivery for digital payment rail integrations including ACH, wire, and RTP. Managed complex vendor integrations with Jack Henry, Fiserv, and Bottomline Technologies.
Platform product owner across the mortgage lending lifecycle — owning integrations with Salesforce, Five9, and Plaid while maintaining SOX compliance across all platform touchpoints.
Technical PM and Scrum Master on Tealium's SaaS big data platform. Owned the product roadmap for IAM capabilities and API infrastructure, enabling enterprise customers to manage data collection and activation at scale.
Fifteen years at Wells Fargo spanning mortgage systems, risk operations, and enterprise Agile transformation. Contributed to 80+ loan lifecycle initiatives across origination, servicing, and default management.
04Expertise
Payments infrastructure, AI governance, platform architecture & compliance
Governed AI delivery in regulated environments, from prioritization and pilot validation through human-in-the-loop controls and operational rollout.
ACH, wire and real-time payments delivery across processor, banking and fintech integrations.
Product ownership across lending, digital banking and mortgage lifecycle platforms with CRM, telephony and data integrations.
Translate regulatory requirements into practical product guardrails without slowing delivery unnecessarily.
API contracts, IAM, PaaS roadmaps and integration-heavy platform design across SaaS and enterprise environments.
Multi-agent workflows for cost governance, operations, quality control and enterprise automation across the AI stack.
Product operating models, team coaching and delivery structures designed to hold up under regulatory pressure.
Leadership Philosophy
Fifteen years across regulated environments taught me that the best product decisions are the ones your team, your stakeholders, and your customers can all see clearly.
05Published Thinking
A published book, lab whitepapers & cooperative research
The frameworks I use day to day, written down — a codified operating model for Agile product leadership grounded in Lean and Jobs-to-Be-Done thinking.
A revolutionary guide that redefines Agile methodologies for the contemporary landscape. This all-encompassing book unveils a comprehensive framework seamlessly integrating Agile, Lean, and Jobs-to-Be-Done theory, cultivating innovation, collaboration, and enduring growth. Essential for leaders, project managers, product managers, and individual contributors navigating the dynamic terrain of Agile transformations.
06Case Studies
Nine deep-dives across payments, platforms, and AI product work
Nine published case studies — from complex payment rail integrations to enterprise platform operating systems, AI cost governance, and AI product management.
A production-deployed operating system for platform leaders — governance, AI FinOps, health assessments, modernization playbooks, and executive reporting in one model.
Read case study →A production-deployed AI FinOps platform unifying spend governance, forecasting, and unit economics across Anthropic, OpenAI, Gemini, Cursor, and enterprise platforms.
Read case study →Speak your idea. Claude organizes it. Download a structured document in seconds. Built on Cloudflare Workers with real Claude API integration.
Read case study →Operational intelligence console turning the NCM framework into measurable software: scoring, recommendations, telemetry, and iteration.
Read case study →End-to-end product ownership of the Bottomline payment platform integration for a regulated financial services client.
Read case study →Integrating Five9 cloud contact center with a mortgage lending platform — spanning telephony, CRM, and loan lifecycle data.
Read case study →Building and owning the Plaid payment rail integration within a SOX-compliant lending environment, including identity and account verification.
Read case study →Co-founded and scaled a cooperative platform reaching 70+ countries — product strategy, operations, and community infrastructure.
Read case study →Technical PM ownership of a SaaS big data platform — API infrastructure, IAM capabilities, and enterprise data activation at scale.
Read case study →Modern enterprises often manage Salesforce, ServiceNow, Boomi, Microsoft Copilot, automation platforms, and AI initiatives independently — each with its own governance model, vendor relationship, and executive reporting. I built EOS to give platform leaders a single operating model for governance, modernization, FinOps, and executive decision-making across all of them.
Why it matters: EOS demonstrates how I approach enterprise platform leadership — not just as a product manager, but as someone who creates operating models that help organizations modernize, govern AI responsibly, and make better executive decisions at scale.
AI spend crossed a threshold most organizations weren't governance-ready for — multiple LLM vendors, multiple teams, no single source of truth on cost, usage, or efficiency. Finance sees a bill; platform leaders see a black box. I built FinOps Studio to give both a shared, governed view: real cost visibility, forecasting, and unit economics across every AI vendor in the stack, not just one.
Why it matters: FinOps Studio demonstrates hands-on AI cost governance leadership — the exact discipline organizations need as multi-LLM adoption accelerates and finance starts asking platform teams to defend the number.
The Product Thinking Growth Console translates the NCM product framework into a measurable operational intelligence system. Instead of treating product judgment as static documentation, the console structures discovery, prioritization, scoring, recommendations, and iteration into one executive-ready workspace.
Product and operations teams in fintech and regulated environments often make high-impact decisions across fragmented artifacts: roadmaps, meeting notes, KPI dashboards, risk conversations, customer feedback, and delivery backlogs. The result is not a lack of strategy — it is a lack of operating telemetry that connects strategy to measurable product movement.
Positioning: AI does not own the decision. The console makes product thinking measurable, repeatable, and visible.
Transformed First American Trust's payments operations from a fragile, manual-dependent infrastructure into a resilient platform capability using Bottomline's technology — expanding digital payment options, reducing operational friction, and enabling scalable growth.
Designed and delivered a real-time integration between Five9's cloud call-center platform and a home-grown loan origination system — transforming voice calls from isolated support interactions into fully connected financial workflow events.
Native call management interface directly inside the LOS — incoming call pop-ups, one-click call controls, live loan details, and inline notes stored to the loan record.
Impact: Eliminated system switching for agents entirely.
Every call produced a structured record automatically — Loan ID, Borrower ID, Agent ID, Timestamp, Call type, and Outcome.
Impact: Complete interaction history per loan, without manual data entry.
Structured call metadata in a queryable format designed for regulatory review.
Impact: Simplified regulatory audits and reduced compliance team effort per review cycle.
Led ACH payment expansion on a legacy lending stack, enabling contractors and homeowners to transact more efficiently — reducing friction, increasing conversions, and strengthening revenue.
Led end-to-end transformation of BetterPlanet Co-op's commerce platform into a modern payment-enabled digital product — reaching customers in 70+ countries.
Impact: Removed the primary barrier to conversion and unlocked scalable revenue growth for the first time.
Impact: Significant reduction in cart abandonment rates and increased average order value.
Impact: Enabled data-driven experimentation — key driver of 100% month-over-month engagement growth.
Under Nicole's product leadership, Tealium's CDP underwent a significant transformation — achieving meaningful reduction in production bugs, boosting customer confidence across the integration ecosystem, and improving the developer experience for advertisers worldwide.
Idea Capture removes the friction between having an idea and having a document. Speak for up to 10 minutes — stream of consciousness, half-formed thoughts, rough framing — and Claude organizes it into a clean, structured artifact you can download and share immediately.
The best ideas often happen in motion — in a car, between meetings, on a walk. By the time you open a document, the energy is gone. Idea Capture meets you where the idea is: your voice.
Core principle: AI should reduce the distance between insight and artifact — not add steps. This tool demonstrates that philosophy in the simplest possible form.