[Jaris] Embedded fintech, banking, and managed settlements for payment platforms
Jaris helps payment and software companies become financial partners so they can better serve small and medium-sized businesses (aka merchants). Partners can onboard new merchants, manage funding flows, and launch embedded lending, banking, and instant payouts. Jaris is B2B2B with partner-facing experiences in the Jaris Dashboard and merchant-facing experiences in the Merchant Dashboard (hosted, but also available as an embedded experience). ⭐ Managed SettlementsHighlighted Work (1 of 2) When a merchant accepts a loan product from Jaris, they are issued a settlement account. Payment processors will send funds to this settlement account and Jaris will automatically collect the loan repayment amount before sending the remaining funds to the merchant’s business bank account. Managed Settlements allow partners to add funding instructions to collect fees and reserves from a merchant’s settlement deposit alongside the loan repayment. To support this new feature, merchants would be issued a new type of settlement account and be given visibility into all of the money movement for each settlement deposit. This project required a systems-thinking approach to ensure the interconnected experiences across partners and merchants were cohesive and not fragmented. I'm not showing everything that was done as part of this project, but am only showing a […]
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[Kojo] Accounts payable within construction tech
Kojo provides trade contractors a way to manage construction materials procurement, tools, and warehouse inventory. Within construction tech, I led design for the fintech offering Kojo AP (accounts payable) which covers the last steps of the procurement process – invoicing and payments. Kojo AP is a suite of features designed for commercial construction accounting teams and streamlines the invoice reconciliation and approvals process. ⭐ Invoice PaymentsHighlighted Work (1 of 2) Prior to joining the team, the work needed to launch payments was already in progress - an extensive payments roadmap was already defined, MVP designs were already done, and engineering work for the MVP was at the tail end. However, the team was stuck and already 1+ months behind in launching the beta. The MVP included the ability for customers to apply for underwriting approval for payments, adding bank accounts, and paying for invoices via direct debit / ACH. The payments roadmap was unrealistic and focused on adding a lot of net-new features. It didn't make senses to try and expand the payments offering if we couldn't even provide the basics so I pushed to prioritize work based on the AP user needs and workflows. Documenting the customer journey and […]
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[Finix] Self-service signup and live account application
Finix is a payments startup that provides tech-enabled businesses with embedded payment processing services via APIs. Before a business can access a sandbox account to test the API integrations, they must first contact Sales and go through the entire sales process. Once approved, Support would then manually create a sandbox account for the business. Problems User: Prospects don't want to waste time talking to Sales becaused their technical teams want to test things right away. Business: Sales was spending too much time on smaller growth accounts which took time away from going after the bigger accounts. Solution Phase 1: Provide the ability for prospects to sign up for a sandbox account. Phase 2: Provide the ability for prospects to apply for a live account to process payments. ⭐ Self-Service Sign-UpPhase 1 A signup form itself is simple. However, the challenging part was how open-ended and poorly-defined this project was and how it would require working with multiple stakeholders and siloed teams to figure it out. This was the first and largest cross-functional project and I led the product and design efforts along with cross-functional coordination among teams. Cross-functional Collaborators Product, Engineering, Technical Writing, Support, Customer Success, Marketing, Sales, Legal, BizOps […]
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[Finix] Merchant underwriting for payments
Finix is a payments startup that provides tech-enabled businesses with embedded payment processing services via APIs. Before a business can embed payments, they must be get underwriting approval (KYB / KYC). If a business has merchants (e.g. the SaaS customers of a Finix customer), the merchants must complete onboarding forms for underwriting approval. The Finix underwriting team uses an internal interface that never evolved beyond the first iteration; onboarding form and third-party reporting data was simply dumped on a multi-tabbed page and since it was hard for underwriters to make sense of the data, the underwriting process took longer than needed. Streamlined underwriting experience Before: Submitted merchant data was spread across multiple tabs, displayed based off of the API structure, and not organized based on underwriting workflows Experience was "designed" by product/engineering (when there was no design team) without underwriting involvement and remained untouched since the first iteration Underwriters didn't trust the data because it wasn't presented in a user-friendly way and therefore relied on a lot of manual work to make decisions After: Streamlined experience after working with the underwriting team to learn about their workflows and pain points, and hear their feedback. While there were still engineering constraints […]
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[InspereX] Multi-sided fixed income trading platform
InspereX is a fintech firm with a mission of improving fixed income distribution and trading for all market participants. InspereX is also the merging of 280 CapMarkets (an early-stage fintech startup I joined) and Incapital (a leading underwriter and distributor of fixed income and market-linked securities). As the first and sole design hire, I led product design and worked cross-functionally across four product areas (Reference Data, New Issues, Lists & Alerts, and Trade Desk) with four PMs, four engineering teams, and two web applications (multi-sided marketplace): BondNav: platform for [1] Registered Investment Advisors (RIAs) to buy, sell, and manage bonds and [2] firms to leverage as a tool for their internal trade desk to review and work orders BondNav Admin: internal tool for the internal trade desk to manage orders and other administrative tasks During my time at InspereX, I unified the overall Bondnav brand by defining a color palette and usage guidelines. I also created a design system with standardized patterns and components that were used across design and FE. While I do not get into the details or highlight the complex workflows I worked on, the following snippets will show how much BondNav has evolved. Market Redesign Highlighted […]
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