Founder. Operator. Builder. Banker.

I build bold shit.

8 years in banking. 10 building CoBuy into a category.
Now I build AI-driven businesses. Three people, the work of twenty.

Receipts

CoBuy

6 revenue lines, each taken from zero to one.
$60K+ partner revenue per transaction: mortgage, brokerage, title, legal.
5 editions of the national report. Research spanning 6,200+ co-buyers & co-owners.

RBS 2008-12 · Santander 2012-14 · UniCredit 2014-15. Started on contract at Goldman Sachs, New York, in 2006, then interned at Jefferies, London.
Debt capital markets, then sales & trading for official institutions.
FSA Authorized during my UK banking career.

210-route website rebuilt and migrated with zero downtime. 12,683 links audited.
137 AI agents deployed across 190 prospects. Caught 19 misclassifications the initial checks missed.
Revenue-generating CoBuy products. Paid client software. Built with AI under my product and architecture leadership.
Separate agents build, verify and audit. I direct delivery and make the release decisions.

Hired & led design, engineering, QA, security, operations and a partner network. 15+ engineers over CoBuy’s history.
Built the CoBuy-certified™ network from zero: 200+ B2B professionals sourced, vetted, trained, certified.
Ran a 180+ applicant search for a technical co-founder.
Angel investors who double as an advisory board.
At RBS, kept the central-bank desk running as a team of 2 after 5 colleagues left.

10+ industry firsts

First company specialized in co-ownership CoBuy
First home co-buying platform
First dedicated co-ownership platform Co-ownerOS™
First national co-ownership survey and annual report series The 2026 report
First comprehensive co-buying course How to Co-buy a Home
First co-buying and co-ownership certification for real estate professionals CoBuy-certified™ Pro
First to integrate blockchain for co-ownership documentation How we use it
First alignment tool for co-buying groups CoBuy Wizard
First home co-ownership suitability score CoBuy Suitability Score™
First recurring index of US co-ownership CoBuy Co-ownership Index™

In the press

Grants & recognition

Algorand Foundation$150K blockchain development grant. Every milestone delivered early.
Innovate Housing SF1 of 10 innovators invited by Fannie Mae and UC Berkeley Terner Center.
Ivory PrizeNominated, unsolicited, for housing affordability, 2026.

Speaking & education

Decipher, DubaiSpeaker at Algorand’s global conference, on digitizing real-world assets.
UW Foster School of BusinessGuest lecturer to MBA students on startups and entrepreneurship.
MasterZTaught in the Algorand Foundation’s blockchain programme.
10AcademyGuest lecturer to blockchain students on tokenization and real-world applications.
Terran CollectiveCo-operative buying session for an online audience of 300+.
50+ education eventsAcross 4 states. The Oakland and San Francisco series sold out.