Two decades inside the core infrastructure of US payer systems, clearinghouses, and B2B payment networks. The throughline is the same in every chapter: structured data is the prerequisite for autonomous financial execution, and the operators who get the data layer right capture the network effects that follow.
$160B in annual payment volume at Change Healthcare and $12B+ in annual payment volume at Finexio. At Change Healthcare I ran the largest commercial B2B payment operation in US healthcare. One clean institutional exit. Three books on the structural shift from manual back-office finance to autonomous, agent-driven settlement.
Now: Finexio
I co-founded Finexio in 2018 and scaled it from pre-revenue to $20M ARR and $12B+ in annual payment volume. The board asked a co-founder to take the company forward, and I did. I lead Finexio day to day as Interim CEO, hold the CEO board seat, and report to the board. Finexio runs B2B payments on multi-bank orchestration, replacing manual reconciliation with a structured data schema that enforces B2B payment logic across regulated environments.
Thesis: B2B payments fail at the data layer, not the money-movement layer. Convert unstructured supplier data into a deterministic schema and autonomous settlement falls out. That is not theory at Finexio: more than 90% of its roughly 15 million payments a year settle with zero human touch, start to finish. Network liquidity expands. Basis points scale without headcount.
Before: a $400M P&L and one clean exit
Change Healthcare · General Manager, B2B & Patient Payments. General Manager of a 350-person organization with full ownership of a $400M P&L at the largest US healthcare clearinghouse, $160B/yr in volume. Normalized claims data into structured schemas for automated adjudication under HIPAA. Turned a print-and-mail remittance business into an $8B virtual-card operation, $80M net-new revenue in 18 months.
American Imaging Management (AIM) · $300M WellPoint acquisition (2007). Led a national patient safety initiative that reduced unnecessary diagnostic imaging, lowering population exposure to ionizing radiation. Joined pre-acquisition and stayed through the exit as Head of Patient Safety, Utilization Management, and Business Intelligence.
Ran the business intelligence team embedded in the sales organization. Took pre-authorization intake from fax and phone to fully digital. Stripped $150M+ in administrative overhead through automation and structured data models. Built the data infrastructure and operational model that ran through WellPoint's $300M acquisition thesis for AIM.
Parasail Health · Co-Founder, Chief Commercial Officer. Architected and scaled patient finance infrastructure to bridge structural liquidity gaps in the healthcare revenue cycle. Built lending products that let patients pay medical bills over time. Hospitals got their cash sooner and wrote off less. Earned recognition from Accenture HealthTech Innovation Challenge and Healthbox Studio. The platform was acquired by PayZen in 2019, and I moved over as a strategic advisor, a seat I still hold. I had begun co-founding Finexio in 2018 as Parasail wound down toward that acquisition, which is why the two dates overlap.
UnitedHealth Group · Network Optimization & Pricing Strategy. Consolidated provider networks across a 45M-member risk pool after a period of rapid growth through acquisition. Designed optimized networks using overlap analysis to maximize coverage and reduce network cost. Built premium pricing models using ordinal array analysis to reverse-engineer competitor pricing. Drove a 30% increase in deal closure rate by redirecting sales capital toward accounts with favorable pricing math.
Advisory & Industry
Active strategic advisor to PayZen (patient financing), Zelis Payments (healthcare payments architecture), Finalytics (revenue cycle and banking), and CirraGroup (medical debt resolution).
Participated in the Federal Reserve Remittance Coalition from 2013 to 2017.
Books
The Last Invoice: How AI Agents Are Ending the Back Office and What Comes Next (2026). Agentic Payables: The Dawn of Autonomous Finance (2025). The Great Payments Upheaval: How Software Is Eating Money (2024). All available on Amazon.
Education
MHSA, University of Michigan. BS Business Administration, Michigan State University.