Fractional CTO
Direction, not just decks.
Senior technology leadership for life & annuity carriers, TPAs, and enterprise teams that need a steady hand on strategy without a full-time CTO. I set the direction, make the build/buy/partner calls, and connect strategy to what actually ships — grounded in 25 years inside insurance technology and the regulatory reality carriers operate in.
Best for
Carriers, TPAs, and PE-backed platforms without a sitting CTO — or with a CTO who needs an experienced counterpart on AI and modernization.
Draws on
Technology Strategy & CTO AdvisoryAI adoption strategy & modernization planningLife & Annuity domain context
Typical deliverables
- Technology strategy & multi-year roadmap
- Target-state architecture & modernization plan
- Build / buy / partner decisions
- Operating-model & delivery design
Fractional Enterprise Architect
The connective tissue for multi-carrier operations.
Carriers and TPAs live and die on integration. I design the API, event, and data platforms that make multi-carrier operations work — and increasingly turn those same assets into revenue rather than pure cost. Governed lakehouse foundations on one side, disciplined cloud economics on the other.
Best for
Organizations modernizing integration, launching an API product, or standing up a governed data platform to feed both analytics and AI.
Draws on
Enterprise & Integration ArchitectureCloud Architecture & FinOpsData Platform Architecture
Typical deliverables
- API & integration architecture (MuleSoft, Azure APIM, Service Bus, event-driven)
- API productization & monetization strategy
- Cloud landing zones & well-architected design with FinOps discipline
- Databricks medallion lakehouse with Unity Catalog lineage & governance
Fractional AI Architect
Agentic AI from convincing demo to dependable production.
Multi-agent systems that are safe to put in front of real policyholder data and real money — and the governance discipline that lets leadership sign off with confidence rather than crossed fingers. My work centers on the emerging agentic protocol stack and, just as importantly, on the boundaries where deterministic control has to hold the line.
Best for
Teams past the pilot stage that need a real production path, human-in-the-loop design, and a defensible answer for regulators, auditors, and the board.
Draws on
Agentic AI ArchitectureAI Governance & Production AssuranceLife & Annuity domain context
Typical deliverables
- Multi-agent system design (MCP, A2A, LangGraph) & the deterministic–agentic boundary
- RAG, targeted fine-tuning (Bedrock), and agent identity (SPIFFE/SPIRE)
- PGAAF production-readiness assessment & HDE human-decision controls
- AgentOps operating model & PII Security Spectrum classification