Fourteen years of being the person responsible when it had to be right.

Rios Applied AI

Founder & Principal

I design and ship production AI systems for regulated, document-heavy workflows — and, more to the point, the governance layer around them: the institutional-memory knowledge bases, risk registers, human-in-the-loop decision rights, and audit-ready logging that let an autonomous system operate where being wrong is expensive and defensibility isn't optional.

• Build and run a portfolio of production agentic systems as a non-engineer, on one repeatable architecture: memory, decision rights, sync cadence.
• Translate fourteen years of operating experience into deployment patterns for real financial-services work — KYC/AML alert handling, equity-compensation workflows, compliance operations.

Morgan Stanley

Financial Advisor · Portfolio Manager · Workplace Advisor, Equity Compensation

I built a client advisory practice from a standing start and grew it to $115M — advising high-net-worth households, corporate executives, and plan sponsors through the events where a wrong number is personal: RSU vesting, option exercises, concentrated-stock risk, equity-linked tax.

• 88.9% five-year revenue growth and 4.5× total production — earned through relationships and referrals, not volume.
• Served as Workplace Advisor to corporate plan sponsors, running equity-comp workflows across large executive participant populations.

Enterprise Recovery Systems

Loan Rehabilitation Supervisor

Deadline-bound work under Department of Education rules, where the compliance line and the human conversation had to hold at the same time. I negotiated repayment arrangements inside federal regulatory frameworks and supervised a team of counselors.

• Generated $2.1M in first-year revenue; promoted twice in eighteen months.
• Set firm records for monthly defaulted-loan rehabilitation volume ($2.8M, then $3.1M).

Bank of America Merrill Lynch

Global Risk & Control Officer · Collateral Projects Analyst

This is where the operating instincts were set. I coordinated monthly cross-asset operational-risk reporting — OTC derivatives, FX, commodities, futures, OTC clearing — and governed collateral initiatives under Dodd-Frank Title VII, ISDA/CSA documentation, and Basel III.

• Led the rollout of a new collateral-management system — trained users and management, delivered $1M+ in annual operational savings and federally mandated audit trails.
• Partnered across compliance, legal, technology, and business to build KPIs and document risk exposures across global capital-markets lines.