Payments · Music · Tennis · Family
Hey, I'm Joe.
Payments nerd by day, music producer by night, tennis player on weekends, dad around the clock. Based in Ventura, CA. Building card programs, beats, and block towers.
About Me
10+ years deep in the payments world. From high-risk acquiring to card issuing, I've seen both sides. Currently at Highnote helping fintechs and brands bring card programs to life.
When the laptop closes on payments, it opens right back up for production. Making music is how I recharge. It's the creative outlet that keeps me sharp.
Husband to Vera, dad to Aiden. Living in Ventura, CA where the sunsets make the commute worth it. Well, I work from home. But the sunsets are still incredible.
4.0 player at Pierpont Racquet Club, constantly chasing a better serve and one-handed backhand. It's the perfect counterbalance to screen time. Competitive, physical, and nobody asks about BIN ranges.
Family
Vera and I are raising our son Aiden out here in Ventura. He's one year old and already has stronger opinions than most product managers I've worked with. Our days are a mix of beach walks, block towers (his favorite thing to build and immediately destroy), and the kind of chaos that makes everything else feel simple by comparison.
Professional
I've seen both sides of the spectrum, from issuing to acquiring, and from large enterprise payments to smaller, scrappier operations. I'm especially energized by working with founders and early teams who are standing up card programs for the first time.
Senior Implementation Manager · 4 years
Working with fintechs and brands to launch credit, debit, and prepaid card programs. I sit between product, regulation, and operations, getting through sponsor bank alignment, compliance, BINs, card art, and technical integrations so programs launch cleanly and scale.
Global Payment Partner Manager
Managed global payment partners at scale, navigating the complexities of enterprise-level payment operations.
Payments & Compliance
Deep in the weeds with high-risk payments, PCI compliance, and fraud. This is where I learned to think critically about execution and risk from the acquiring side.
Light consulting: Sponsor banks, compliance requirements, and program structure can get overwhelming fast. If you're standing up a card program and want someone who's been through it, I'm happy to chat. No pitch, no pressure. Just a conversation.
Music
Music production is my creative outlet. When the payments world gets intense, the DAW opens up. Here are a few tracks I've put together.
Currently Reading
Dungeon Crawler Carl
The Stormlight Archive
Brandon Sanderson
Red Rising
Pierce Brown
The Name of the Wind
Patrick Rothfuss
If Rothfuss ever finishes The Kingkiller Chronicle, you'll probably hear me celebrating from Ventura.
Connect
Whether you're launching a card program and want to pick my brain, or you just want to argue about whether Red Rising or Stormlight Archive is better, I'm always happy to connect.
