Case /001
Optum Financial · UHG
Virtual Card
issuance platform
0 P1/P2 defects into production. 9 functional areas. Clean regulatory sign-off from a Fortune 3. Mastercard open loop rails.
Annual disbursements enabled → US healthcare providers
Owned product strategy end-to-end for a Fortune 3 enterprise - discovery through regulatory sign-off, 9 functional areas, zero defects. Architected a real-time FRM rules engine with configurable merchant/amount/risk thresholds. Authored API specs and enforced QA across the full card lifecycle - issue, cancel, reissue, reset - webhooks, idempotency, error handling, fallback. Drove FeatureSpace ML integration for real-time fraud detection. Built transaction traceability so UHC compliance could investigate, resolve disputes, and debug production in real-time.