Mike Daley, Product Manager in San Francisco, CA, United States
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Mike Daley

Verified Expert  in Product Management

Product Manager

Location
San Francisco, CA, United States
Toptal Member Since
September 8, 2022

Mike is an experienced product manager with a track record of leading and influencing product-driven organizations, sharing best-in-class product development and management practices, and creating products that consumers and developers love. He led the development of mobile and web applications and SaaS platforms from concept to launch for B2C, B2B, and B2B2C products. He has experience leading cross-functional teams and delivering business-building products to startups and large organizations.

Project Highlights

Zelle P2P Payment Platform
Led the development of the Zelle P2P payment platform by defining payment workflows, leading agile development and QA teams, and driving integration with fraud and risk management and shared directory services. Led a team of 10–18 developers and QA.
Eikon Portfolio Analytics
Led the launch of Eikon portfolio analytics from concept to release, which resulted in annual revenue growth from zero to $32 million, exceeding goals by 25%.
Yodlee Personal Finance
Led redesign of PFM UI, including launching interactive expense analysis, cash flow, and budgeting tools. The redesign increased user retention rates by 20% and annual product revenue by 50%, from $20 million to $30 million per year.

Expertise

Work Experience

Technical Product Manager

2021 - PRESENT
Pre-series A Stealth Mode Startup
  • Acted as a product owner for a pre-series A B2B2C fintech startup in the banking as a service (BaaS) space. Defined the product roadmap, built the developer experience, and developed the MVP BaaS product.
  • Led the definition of the product roadmap and the go-to-market strategy for the BaaS offering that differentiates our BaaS service from our competitors.
  • Led the development of MVP BaaS microservices for managing customers, checking accounts, debit cards, and payments business logic that communicate via REST APIs and are built in Node.js.
  • Prototyped an MVP developer website generated from an OpenAPI Swagger file to allow developers to start building BaaS services in under 60 minutes.

Technical Product Manager

2020 - 2021
BBVA Open Platform
  • Acted as a product owner for accounts and cards rEST APIs for BBVA’s BaaS platform, which had over 250,000 active accounts and processed over $500 million in yearly payments.
  • Led the agile development and QA teams to develop and support BaaS APIs for leading fintech, including Simple, Azlo, and Digit.
  • Led the requirement definition and agile development for building account management and card issuance functionalities for the Google Plex account that integrates BBVA checking accounts into Google Pay.

Head of Product and Technology

2018 - 2020
MC Daley Ventures, LLC
  • Served as lead product manager for HoneyDone, a personal productivity app launched in the Apple Store in October 2019. Defined and developed the product strategy, business model, and product roadmap.
  • Defined user personas, product requirements, and UX/UI wireframes. Developed the iOS and Android versions of the app using React Native.
  • Launched the app with more than 1,000 downloads at $0.99 per download.

Director of Product Management

2016 - 2017
Early Warning
  • Built the Zelle P2P payment platform by defining payment workflows, leading agile development and QA teams, and driving integration with fraud and risk management and shared directory services.
  • Oversaw 10–18 developers, QA, and project managers in a highly matrixed environment to build Zelle. It is the eighth finance app in the Apple App Store, with a rating of 4.8 stars.
  • Launched the REST API application service to register user accounts and securely send and receive mobile payments from Zelle iOS and Android apps via the Zelle P2P payment network.
  • Managed the integration of Zelle P2P payments microservice with Visa and MasterCard debit networks. The P2P platform allowed Zelle users to send and receive real-time payments via debit cards.
  • Led the integration of Zelle P2P payment microservice with EWS shared directory service, which allowed users to send and receive money between checking accounts (ACH) and the Zelle app (Visa and MasterCard debit networks).

Vice President, Product and Technology

2014 - 2016
CareerQB
  • Worked for CareerQB.com, a startup that streamlines users’ job searches by aggregating results from multiple search sites and provides productivity tools to help users organize their job searches.
  • Oversaw the definition of product strategy, design of responsive UX/UI, back-end coding and UI, creation of automated test suite, and deployment of the application to the DigitalOcean cloud platform.
  • Developed a job search site aggregation engine in Ruby on Rails that combined job search results from multiple sites into a single result set using a combination of third-party APIs and web scraping.

Senior Product Manager

2010 - 2014
Thomson Reuters
  • Launched Thomson Reuters’ portfolio analytics for Eikon, an online SaaS application for portfolio managers that exceeded the 3-year sales goal of $32 million, exceeding goals by 25%.
  • Defined product strategy and collaborated with design, engineering, QA, and business experts to design and implement UX/UI experience.
  • Differentiated the product from legacy competitors by providing an intuitive UI/UX graphical workflow. The current annual revenues for portfolio analytics are over $100 million.

Senior Product Manager

2008 - 2010
Envestnet Yodlee
  • Acted as a product owner for Yodlee Personal Finance Management (PFM), a SaaS application that provided online personal finance tools to 3.5 million customers at more than 20 financial institutions.
  • Increased product revenue by 50%, from $20 million to $30 million per year. Collaborated with marketing, sales, design, and engineering to define and implement the product strategy. Won a top-performer award for leading a UX project in 2009.
  • Created the PFM product roadmap using a needs-based segmentation model, which increased customer retention by 15% and grew annual revenues from $30 million to $40 million.

Zelle P2P Payment Platform

https://www.zellepay.com

Led the development of the Zelle P2P payment platform by defining payment workflows, leading agile development and QA teams, and driving integration with fraud and risk management and shared directory services. Led a team of 10–18 developers and QA.

Backed by leading banks such as Wells Fargo, Chase, and Bank of America, Zelle is the market-leading P2P payment platform and has processed more than $1,000 billion in payments since its launch in 2017.

Launched the REST API application service to register user accounts and securely send and receive mobile payments from Zelle iOS and Android apps via the Zelle P2P payment network. Zelle is the eighth finance app in the Apple App Store, with a rating of 4.8 stars.

Managed the integration of Zelle P2P payment microservice with Visa and MasterCard debit networks. The P2P platform allowed Zelle users to send and receive real-time payments via debit cards. Zelle has processed more than $300 billion in debit card transactions since the app launched in October 2017.

Delivered a dual-token project, which fixed a core architecture problem that blocked the launch of the Zelle mobile app. The project was the second most important EWS corporate initiative in 2017. Designed and delivered the solution on time and under budget, leading to a successful launch of Zelle iOS and Android apps in the fall of 2017.

Eikon Portfolio Analytics

Led the launch of Eikon portfolio analytics from concept to release, which resulted in annual revenue growth from zero to $32 million, exceeding goals by 25%.

Eikon portfolio analytics is an online SaaS application for portfolio managers that exceeded the 3-year sales goal of $32 million. It provides tools for professional portfolio managers to measure the risk versus awards of their investment portfolios.

My responsibilities included defining product strategy and collaborating with design, engineering, QA, and business experts to design and implement UX/UI experience.

I oversaw the launch of Eikon portfolio analytics from concept to 2.0 release, resulting in annual revenue growth of $32 million and exceeding goals by 25%. Integrated portfolio analytics with Thomson Reuters Eikon for desktop to provide financial institutions with one application to manage real-time market data, investment research, and portfolio management.

Launched all portfolio analytics infrastructure tools, including portfolio editor, portfolio and watchlist manager, and custom data manager, that enable customers to create, import, edit, and manage their portfolios in Eikon. He decreased the time to market by six months by rapid prototyping all user workflows.

Yodlee Personal Finance

Led redesign of PFM UI, including launching interactive expense analysis, cash flow, and budgeting tools. The redesign increased user retention rates by 20% and annual product revenue by 50%, from $20 million to $30 million per year.

Yodlee PFM is a SaaS application that provides online personal finance tools to 3.5 million customers at more than 20 financial institutions.

My responsibilities included collaborating with marketing, sales, design, and engineering to define and implement the product strategy.

Led the redesign of PFM UI, including launching an interactive expense analysis report that provides users with a graphical view of their expenses and allows them to drill down on expense details. Redesign of PFM UI increased user retention rates by 20%.

Created a PFM product roadmap using a needs-based segmentation model with a 2-year goal of increasing customer retention by 15% and annual revenues from $30 million to $40 million.
2005 - 2006

Master's Degree in Business Administration (MBA)

Cornell University - Ithaca, NY, USA

1992 - 1994

Master's Degree in Computer Science

American University - Washington, DC, USA

1985 - 1989

Bachelor's Degree in Physics

University of Rochester - Rochester, NY, USA

Tools

Jira, Slack, Asana, Zoom, Docker Compose, QuickBooks Online

Paradigms

Agile Product Management, B2B2C, Microservices Architecture, Scrum, Kanban, B2C, Rapid Prototyping, Requirements Analysis, Agile Project Management, Mobile App Design, Business to Business to Consumer (B2B2C), Microservices

Industry Expertise

Marketplaces

Platforms

Docker

Other

Data Structures, Algorithms, Relational Databases, Product Roadmaps, Swagger, JSON API, Minimum Viable Product (MVP), RESTful Microservices, Node.js, NestJS, Fintech, Mobile UI, Mobile UX, Mobile UX Design, REST APIs, New Product Development, Strategy, Web UI Design, Responsive Web Apps, Web UX, Web UI, Product Strategy, Technical Leadership, Cloud Computing, Customer Insights, Data Analysis, Web & Mobile Applications, Mobile Payments, Software Development, Startups, User Stories, SQL, Software as a Service (SaaS), Cross-functional Team Leadership, Organizational Leadership, Digital Product Management, Digital Project Management, Mobile Apps, Agile Leadership, Payment Networks, Product Development, New Products, Agile Program Management, B2B, Feature Backlog Prioritization, Project Planning, Project Timelines, Stakeholder Management, Team Leadership, Customer Experience, Mobile Applications, User Experience (UX), Technical Product Management, API Integration, Quality Assurance (QA), APIs, QA Testing, C, C++, Unix Shell Scripting, React Native, Google Cloud, Ruby on Rails (RoR), PostgreSQL, CSS3, NoSQL, MongoDB, CTO, Discovery Workshops, Focus Groups, Stripe, React, Elasticsearch, Mathematics, Cybersecurity, IT Security, POS

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