Chris Wyatt

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.

$700B+ in cumulative payments volume processed under my leadership. The largest commercial B2B payment footprint in US healthcare. Two successful institutional exits. Three books on the structural shift from manual back-office finance to autonomous, agent-driven settlement.

Now: Finexio

I co-founded Finexio and serve as Chief Strategy Officer. We built greenfield from pre-revenue to a $12B+ annual run rate in under six years. Finexio is the agentic B2B payments orchestration platform on J.P. Morgan rails. The platform settles millions of transactions daily at near-zero marginal cost, replacing manual reconciliation with a structured data schema that enforces B2B payment logic across regulated environments.

Thesis: LLMs cannot execute on chaos. Convert unstructured supplier data into autonomous settlement and the human-in-the-loop disappears for standard transactions. Network liquidity expands. Basis points scale without headcount.

Before: Two exits, one playbook

Change Healthcare / Emdeon · $3B Blackstone acquisition. Ran B2B and Patient Payments at the largest US healthcare clearinghouse, $160B/yr in volume. Scaled EDI pipelines to settle $120B/yr B2B. 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.

AIM Specialty Health (Anthem) · $300M WellPoint acquisition. Led a national patient safety initiative that reduced unnecessary diagnostic imaging, measurably lowering population exposure to ionizing radiation. Ran the business intelligence team embedded in the sales organization. Deployed a software platform that replaced fax and phone-based pre-authorization intake, fully digitizing the review process and improving SLA compliance by 90%. Stripped $150M+ in administrative overhead through automation and structured data models. Built the data infrastructure and operational model that drove 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. Operationalized financial products that restructured how patient liability was originated and managed, accelerating provider cash flow and mitigating default risk. Earned recognition from Accenture HealthTech Innovation Challenge and Healthbox Studio.

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). Working-group contributor to the Federal Reserve Board (faster payments / industry frameworks), NACHA, and HIMSS. The bodies shaping the rules that govern B2B payment schemas and healthcare EDI interoperability. Active since 2011.

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

MBA, University of Michigan. BS Business Administration, Michigan State University.