Led Goldman’s highest-profile consumer banking business as a front of funnel to their higher net worth divisions. Smart Checking and Savings was Goldman’s consumer product for optimizing savings and making personal finance management (PFM) more discoverable. Worked closely with the Apple Card team to understand data around customer and servicing pain points on the Apple Card in order to provide a superior experience for Marcus customers.

Numberless Cards

Provide highest level of security on a card ● Integrate virtual number technology between card and apps ● Use secondary NFC chip and iPhone AR to create a shortcut to card numbers on tap ● Provide fraud resolution path that can instantly deactivate compromised virtual number ● Decrease cost of reissuing cards

Personal Finance Management (PFM) Integration

Provide PFM as a part of a natural user flow instead of as an add-on tool ● Reduce servicing costs with location mapping and transaction method to prevent mistaken fraud claims ● Show total merchant spend as a subset of a single transaction ● Provide category spend within the context of an individual transaction ● Show spending habits in natural spending cycles like month / full year

Virtual Card Number Management

Put safety and control into the hands of the user ● Provide fraud resolution flows that include virtual card resets ● Create manual tools for virtual card resets with consequences clearly explained

Card Activation Flow

Reduce call volume by making seamless physical card delivery and activation flow ● Design physical card and card packaging ● Provide key value propositions for their newly opened account and card