We design the customer experience and the banking journeys underneath it, and shape strategy and roadmap across digital experience and digital banking, with AI built into where the bank is heading rather than bolted on. We hold the product and CPO seats through delivery, plan and prioritize AI initiatives, and evaluate the tools and vendors that deliver them. On core banking modernization, we assess the stack, evaluate and select vendors, and direct the build. On core and system conversions, we plan and manage the program with proven conversion discipline.