Chris Wyatt

Built and scaled a B2B payments network from zero to $11B+ in annual processing volume ($7B+ ACH, $1B+ Virtual Card). Replaced manual reconciliation with a unified, deterministic data schema that enforces B2B payment logic across heavily regulated environments. Eliminated the human-in-the-loop for standard transaction classes, converting unstructured supplier data into autonomous settlement pipelines. Drove massive net-new ARR via channel partnerships, expanding network liquidity and capturing basis points without proportional headcount growth.

Architected and scaled patient finance infrastructure to bridge structural liquidity gaps in the healthcare revenue cycle. Operationalized financial products that restructured how patient liability was originated and managed, accelerating provider cash flow and mitigating default risk. This framework gained immediate industry validation, securing backing and awards from Healthbox and Accenture as a systemic solution to patient-driven financial friction.

Directed the B2B and Patient payments divisions across the largest US healthcare clearinghouse, managing a combined $160B in annual processing volume. Executed $120B in annual settlement on the B2B side by scaling core EDI data pipelines. Normalized highly variable claims data into deterministic schemas to drive automated adjudication at national scale, ensuring strict HIPAA compliance. Expanded executive mandate to lead the $40B Patient Payments division on behalf of major health systems—architecting dynamic payment plans, integrated merchant services, and crowdfunding infrastructure.

Engineered administrative and financial automation across a risk pool of 45 million member lives inside the largest US payer. Replaced highly subjective, manual medical reviews with deterministic rules engines for prior authorization, cutting authorization latency by 80% and destroying the backlog of pended requests. Translated complex payer policy logic into structured data models, stripping $150M in administrative overhead from the system.

Architected the operational logic governing specialty care utilization management—the definitive decision layer between provider requests and payer approvals at Anthem. Saved health plans over $85M annually in unnecessary medical spend by enforcing clinical appropriateness at scale. Replaced legacy fax and phone-based intake with structured, automated data pipelines, improving SLA compliance by 90%. Extracted and normalized unstructured clinical data from disparate systems, establishing the machine-readable foundation for automated healthcare products under stringent HIPAA and CMS frameworks.