📍 Philadelphia | 🏦 30+ yrs FinServ (PNC, JPMorgan, Barclays) | 🔬 11 Patents (7 issued, 4 pending) | 🤖 AI-Native Builder
Building AI-powered tools for financial services — and the agentic workflows that run them. 30+ years leading technology transformation at major banks. Now shipping tools that make professionals (and their agents) faster.
🎨 Tessel
Lightning-fast clipboard transformer for macOS, Windows, and Linux. Copy anything, press a hotkey, get instant results. Background removal, PHI redaction, data cleaning, format conversion. 100% private, runs locally. (closed source)
🩺 ReachDR
RTM, RPM & CCM billing automation for healthcare practices. Captures reimbursements you're already earning but not billing. Automatic time tracking, smart eligibility detection, one-click claims. 100% audit-ready. (closed source)
🪄 MagicSQL
Text-to-SQL for everyone. Ask questions in plain English, get accurate SQL queries. Connect any database, get instant insights. No SQL knowledge required. (closed source)
The AI-native mainframe data & workflow API — Firecrawl for 3270 green screens. Turns fragile TN3270 screen-driving into repeatable, agent-ready workflows via REST + MCP. Session pooling, screen parsing, structured output.
Your AI loan officer. Ask lending questions in plain English. Get instant, compliant decisions.
npm install -g lendctl-ai
lendctl-ai ask "Can I qualify for a $400k mortgage with $90k income and 720 credit?"
- 🤖 Natural language lending Q&A
- ⚡ Answers in seconds, not days
- ✅ Compliance-checked (QM/ATR, TRID, ECOA)
- 📋 Full audit trail for every decision
10 open-source CLI tools for lending, payments, and compliance. Income analysis, credit scoring, mortgage underwriting, ACH processing, sanctions screening. 200+ tests, Apache-2.0. See all tools →
Small, sharp capabilities that turn a general-purpose assistant into a specialist. Paste a task, get finished work.
| Skill | What it does |
|---|---|
| $ can-we-afford-another | A Claude Skill that stress-tests the four hardest financial decisions people face in 2026 — before they make them. |
| 🪞 counterparty-mirror | Paste the email you're about to send. Claude replies as the recipient — showing how it actually lands before you hit send. Reaction, Volley, and Red Team modes. Not knowledge encoding — role simulation. |
| 8 creative pricing strategies — airport arbitrage, ex-EU origination, fifth-freedom, mistake fares, points/miles. Typical savings: 30–70% off retail. | |
| 🔌 wmcp-annotate | CLI that generates WebMCP annotations automatically — lets AI agents drive any web app via the new W3C standard (Chrome 146+). |
| 🧩 lendctl-skill | Production-ready skill for AI-powered loan origination. Works with OpenAI, Anthropic, Google, Ollama. |
Issued:
| Patent | Title | Year |
|---|---|---|
| US 8645222 | System and methods for mobile ordering and payment | 2014 |
| US 9245262 | Systems and methods for bookmark payment processing | 2016 |
| US 9230259 | Systems and methods for mobile ordering and payment | 2016 |
| US 9811810 | Purchase data transmission and analysis system | 2017 |
| US 9779403 | Mobile fraud prevention system and method | 2017 |
| US 9886706 | Systems and methods for mobile ordering and payment | 2018 |
| US 10453038 | Purchase data transmission and analysis system | 2019 |
| 20260111953 | Systems and Methods for Automatically Updating a Digital Application | 2024 |
Pending: 4 additional patent applications in AI/ML and financial services
Open-source CLI tools for AI-powered lending and compliance. 10 tools, 200+ tests, Apache-2.0.
npm i -g finctl-cli creditctl mortctl autoloanctl persctl cardctl compctl auditctl achctl sanctionctl| Tool | Description | npm |
|---|---|---|
| finctl | Income & DTI Calculator — W-2, self-employment, and other income analysis with Fannie Mae-compliant calculations. |  |
| creditctl | Credit Report Analyzer — Parse credit reports, analyze tradelines, calculate representative scores, simulate rapid rescores. |  |
| mortctl | Mortgage Underwriting — LTV/CLTV calculations, PMI estimation, conforming loan limits, FHA MIP, VA funding fees. |  |
| autoloanctl | Auto Loan Calculator — Vehicle LTV analysis, payment calculations, GAP insurance recommendations. |  |
| persctl | Personal Loan Engine — Unsecured loan eligibility, risk-based rate quotes, debt consolidation scenarios. |  |
| cardctl | Credit Card Decisioning — Credit limit calculations, APR assignment, balance transfer analysis. |  |
| compctl | Compliance Checker — TRID timing validation, ATR/QM safe harbor analysis, ECOA adverse action notices. |  |
| auditctl | Audit Trail Manager — Immutable logging with hash chaining, PII sanitization, exam-ready exports. |  |
| achctl | ACH File Processing — Parse, validate, generate Nacha-format ACH files. All SEC codes supported. |  |
| sanctionctl | OFAC/Sanctions Screening — Check names against OFAC, UN, EU, UK sanctions lists. Fuzzy matching, risk scoring. |  |
- Tessel — Desktop productivity tool for instant clipboard transforms
- ReachDR — RTM/RPM/CCM billing automation for healthcare practices
- MagicSQL — Text-to-SQL that makes databases accessible to everyone
- LendCtl — AI-native lending tools replacing $800/seat LOS software
- MainframeCrawl — Turning 3270 green screens into agent-ready APIs
- Claude Skills — Small, sharp capabilities (email counterparty simulation, travel hacking, role-specific plugins) that make agents actually useful
- Agentic workflows — Tools designed for AI agents, not just humans
