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David K. Williams

David K. Williams

CTO | Fintech Product & Engineering Leader

Washington, DC, US
+1 (703) 459-0574

Background


About

About

Enterprise technology and product executive operating at the intersection of strategy, engineering, and go-to-market. Builds and scales platforms that modernize banking cores, operationalize AI, and ship measurable outcomes for customers and P&L. Full-stack leadership across product and platform with hands-on depth in FDX-aligned models, event-driven orchestration, and secure, compliant delivery.

Work Experience

Work Experience

  • Chief Technology Officer (formerly Chief Product Officer), Savana Inc.

    Jan, 2023 - Present

    Owns the product and technology agenda end-to-end across a multi-core banking orchestration platform; accountable for engineering, architecture, UX, product design, and QA.

    • Aligned roadmap, engineering execution, and client outcomes with a portfolio operating model and OKRs.

    • Scaled the platform from banker-only to include Customer Experience and Branch Assisted Channels, expanding addressable market and revenue mix.

    • Architected a flexible orchestration engine supporting Finxact, Premier, DNA, and Signature to reduce core dependency risk and accelerate delivery.

    • Instituted modern SDLC practices and reliability engineering to improve quality and deployment predictability.

    • Integrated FDX-aligned canonical data models and strengthened compliance posture against ISO 27001, PCI DSS, and SOC 2 controls.

  • Chief Engineer, GloriFi

    Feb, 2022 - Dec, 202210 months

    Built and led a global engineering organization delivering consumer financial services at scale.

    • Directed 50+ engineers in an onshore/offshore model across banking, brokerage, insurance, and mortgage products.

    • Designed cloud-native architecture leveraging Azure and Cosmos DB with personalized recommendation engines.

    • Applied behavioral economics to increase engagement via a personalized newsfeed and targeted insights.

    • Integrated 50+ vendors through a custom API gateway to streamline interoperability and speed partner onboarding.

    • Mobile app reached the Apple App Store Top Financial Apps list.

  • Managing Principal, Capco

    Apr, 2016 - Feb, 20225 years 10 months

    P&L and delivery leadership across consulting and engineering; modernized client platforms in regulated environments.

    • Led a $125M integration program spanning 50+ applications with executive steering and cross-functional governance.

    • Designed and implemented policy-based access control aligned to ISO 27001 to improve data protection and auditability.

    • Generated $40M in new business and managed $28M annual revenue across a diversified portfolio.

    • Mentored 70+ consultants and engineers to scale delivery quality and career growth.

  • Project Management, Professional, Freddie Mac

    May, 2014 - Apr, 20161 year 11 months

    Delivered transformation initiatives in Multifamily with a dual remit across project management and software engineering.

    • Cut delivery timelines by creating reusable frameworks and a repeatable execution model.

    • Delivered $10M+ in projects with improved predictability and stakeholder satisfaction.

    • Directed build-out of the Multifamily Origination and Underwriting System to improve accuracy and throughput.

    • Stood up a Rapid Execution Delivery team to attack urgent priorities and reduce backlog risk.

Projects Experience

Projects Experience

  • Emily's Marathon Estimator

    - Present

    Data-driven running analytics platform that evolved from a personal pacing tool into a full-stack AI application for the broader community.

    • End-to-end race analytics and spectator planning with route visualization, pacing simulation, and Google Maps export.

    • AI route analysis using a local LLM to evaluate elevation impact and predicted difficulty.

    • Predictive models benchmarked on 1.5M+ marathon results across 70+ races.

    • Deployed on Firebase with realtime services via Supabase; built in Flutter for cross-platform coverage.

    • https://emilysrunningapp.com

  • Select Consulting Projects

    - Present

    Representative delivery and leadership roles across large-scale financial services transformations.

    • Technical Program Manager (Fortune 100 FI): Led technical integration of a multi-year $125M program impacting 50+ applications; ran cross-functional governance and sequenced change to protect customers and operations.

    • Infrastructure Program Manager (Fortune 50 FI): Directed 100+ infrastructure engineers delivering a virtualized environment for a $50M transformation over 12 months with clear milestones and risk controls.

    • Technology Lead (Digital Financial Institution): Defined core capabilities for Banking, Mortgage, and Insurance; led global delivery across the U.S., Eastern Europe, and India to launch the initial platform.

    • Product Manager (Top US Mortgage Provider): Modernized IAM from RBAC to PBAC to improve least-privilege enforcement and audit readiness.

    • Product & Development Manager (Fortune 100 FI): Redesigned counterparty/user provisioning; led process change and technical implementation to accelerate onboarding and reduce access risk.

Skills

Skills

  • Product

    Leadership

    Strategy and Vision

    OKRs and Portfolio Management

    Market Research

    AI Product Strategy

    Go-to-Market

  • Engineering

    Flutter

    Dart

    Python

    C#

    ASP.NET

    Entity Framework

    SQL

    NoSQL

    PostgreSQL

    gRPC

    Kafka

  • Architecture

    Event-Driven Architecture

    Serverless

    Cloud Architecture (AWS / Azure / GCP)

    Containerization (Docker / Kubernetes)

    API Design (REST / GraphQL)

    Security (PBAC, Zero Trust)

    Cloud Cost Optimization

    Data Orchestration

  • Developer Platforms & Data

    Supabase

    Firebase

    PostgreSQL

    Realtime Data

    Row-Level Security

    Auth & Identity

    Serverless Functions

  • Open Banking & Data Exchange

    FDX

    OAuth 2.0

    Consent Management

    Consumer-Permissioned Data

    Financial APIs

    Data Portability

  • Applied AI & Machine Learning

    LLM Integration

    Retrieval-Augmented Generation (RAG)

    Model Orchestration

    Inference Pipelines

    Prompt Engineering

    AI Product Strategy

  • Platform Strategy

    Multi-Tenant Architecture

    Composable Banking

    Platform Economics

    Build vs Buy Strategy

    Vendor Rationalization

    Time-to-Market Optimization

  • Consulting

    Business Development

    Engineering and Architecture

    Sales

    Client Management

    New Market Offerings

    Proposals

    RFPs

  • Design

    Behavior-Driven Design

    User Experience

    Figma

    Illustrator

    User Interviews

    Personas

    Journey Mapping

    Design Systems

  • Metrics and Analytics

    Mixpanel

    Tableau

    Google Analytics

    FullStory

  • Compliance & Standards

    ISO 27001

    PCI DSS

    SOC 2

    FDX

    EFTA / Reg E

    BSA / AML

  • Fintech Integrations

    Apple Pay

    Google Pay

    Plaid

    MX

    Marqeta

    Fiserv Cardhub

    Finxact

    Signature

    DNA

    Premier

    Alloy

    Fiserv EPOC

    Zelle

Education

Education

  • Technology Management, Master of Professional Studies, Georgetown University

    Aug, 2020 - May, 2024

  • Information Systems, Economics, Bachelor of Science, Virginia Commonwealth University

    Aug, 2011 - May, 2014

Certificates

Certificates

  • Certified ScrumMaster (CSM), ScrumAlliance

    Issued on:

  • Certified Scrum Product Owner, Scrum Alliance

    Issued on:

Awards

Awards

  • Above & Beyond Award , Freddie Mac

    Awarded on:

    Recognition for delivering results beyond scope and expectations on high-priority initiatives.

  • Business Go-Getter , Capco

    Awarded on:

    Awarded for proactively building executive relationships that generated qualified pipeline and closed opportunities.

Publications

Publications

  • Modern Delivery: Five Key Steps to Adopt Modern Delivery in Your Financial Institution , Journal of Financial Transformation

    Published on: Jan 01, 2021

    Examines how shifting customer expectations, workforce dynamics, and technology require financial institutions to adopt modern delivery; outlines core pillars and practical steps to implement at scale.

  • FinovateSpring Presentation , Finovate

    Published on: Jul 23, 2023

    Demonstrated Savana's end-to-end orchestration from core to customer and how banks can operationalize new products faster.

  • FinovateFall Presentation , Finovate

    Published on: Sep 11, 2023

    Showcased embedded banking capabilities; created a new Finovate brand in under three minutes using standard configuration tools.