Justworks is a PEO — they run payroll, benefits, and compliance for thousands of small businesses, which means they're also on the hook for all of their regulatory exposure. I owned the systems that decide which businesses to onboard, how to price them, and how to stay on the right side of 50 different state regulators.

Highlights

• Built an ML-powered underwriting model with human-in-the-loop review that automated 85% of manual decisions at 92% accuracy, enabling risk-based pricing while keeping human judgment on edge cases.
• Designed risk diversification across multiple regulated entities, integrating Persona for KYB verification — the due diligence that confirms a business is real before you take on their regulatory exposure. Increased risk-adjusted margins by 8%.
• Shipped compliance automation that retrieves structured regulatory data and auto-generates jurisdiction-specific filings across all 50 states. >99% on-time rate, ~90% less ops overhead.
• Redesigned financial service infrastructure for tax rate calculation, risk-based premium pricing, and automated compliance workflows — unlocking $5M in new revenue.
• Championed AI adoption org-wide: hands-on prototyping with Claude Code, training PMs on AI-assisted workflows, and launching justworks.com/llms.txt.

Domains

• Underwriting
• Compliance automation
• Pricing
• ML