SUBJECT PROFILE

Leads fraud strategy, KYC, and identity, income, and employment verification across lending products, alongside a sizable vendor portfolio spanning fraud and data providers.

Previously at Citi, Discover, and JPMorgan Chase, where the throughline was always the same question: is this person — or now, this agent — who they say they are? That question eventually turned into Know Your Agent (KYA), a framework for identity-verifying AI agents transacting on a borrower's behalf, presented at IEEE GAISS 2026.

This site is where that thinking gets written down in plain language, ahead of — or alongside — LinkedIn.

• IEEE GAISS 2026 — "The AI Agent Passport"
• Originated the KYA (Know Your Agent) framework
• 15+ years across Citi, Discover, JPMorgan Chase, Best Egg
• ORCID: 0009-0000-1434-3424

PRESS & PUBLICATIONS

• Know Your Agent: Fraud's Next Frontier Has No Fingerprints ACAMS — Member Perspective, Aug 2026

  A practitioner's case for why anti-financial-crime teams need a distinct framework for verifying AI agents transacting on someone's behalf — not just the humans they represent.

• Autonomous Trust: Self-Gating Evaluation as a Prerequisite for Agent-to-Agent Communication at Scale IJGIS, Vol. 3 No. 8 — co-authored, Sept 2026

  Proposes engineering trust as a property of an AI agent plus an external evaluation layer, not the model alone — covering pre-transmission self-checks, a taxonomy for routing actions to the right verification method, live self-reported quality signals, and the risk of agents learning to game their own automated checks.

• Safeguard Session: Account Integrity in the Age of Agents Safeguard Events — panel discussion

  A live conversation with Steve Craig (Prove / PEAK IDV) and Mitul Parmar (Safeguard) on bots-turned-agents, the thin-file detection trap, and why identity risk and credit risk can no longer be managed as separate problems.

• Balancing Friction and Growth in Digital Fraud Strategy AI in Financial Services Podcast, Nov 2025

  A 21-minute conversation on how deepfakes, synthetic identities, bots, and agentic systems are reshaping fraud, plus the practical side: strengthening verification workflows and making the ROI case for modernization to executives.

• Best Egg Adopts Point Predictive's IEValidate® to Transform Income and Employment Verification Point Predictive press release, Nov 2025

  Announcement of Best Egg's move to instant, paystub-free income and employment verification. As quoted in the release, the shift is about "enabling us to improve accuracy while reducing customer friction" without opening the door wider to fraud.

• Combating Fraud with Data MX Money Experience Summit 2025 — panel

  A panel session on turning fraud and account data into an active line of defense, alongside fellow speakers from across fintech's fraud and data community.

• Three-Part Career Accelerator Series Ignites Tech Careers East Texas A&M University — guest contributor

  Contributed career strategy insights alongside leaders from West Marine and FedEx, as part of a multi-part series helping students break into tech and analytics careers.