Stash had a problem: their entire banking product ran on a third-party BaaS provider that was limiting what they could build and how fast they could move. I led the migration to an in-house platform — the kind of project where "zero downtime" and "zero lost funds" aren't aspirational goals, they're the only acceptable outcome.

Highlights

• Migrated 92% of active accounts off the legacy BaaS provider with zero service disruption and zero lost funds, coordinating across engineering, compliance, and operations.
• Shipped Reg E-compliant dispute resolution — the federally mandated process for when a customer says "that charge wasn't me." Built the in-app workflow and ops case integration. Resolution time dropped from 14 days to 3; dispute-related support calls dropped 60%.
• Launched an optimized direct deposit solution that increased monthly platform deposits by 7% and reduced related support contacts by 95%.
• Redesigned onboarding and first-deposit flow, reducing friction in funding source linking. Conversion up 14%, average first deposit up 150%.

Domains

• Banking migration
• Disputes
• Growth
• Payments