Resume

AUG 2024 – Present
Independent Product & Technology Strategy Development
Independent / Advisory: Charlonis.com

Developing AI governance, product strategy, decision systems, and emerging-technology operating models focused on how enterprise capabilities are evaluated, governed, introduced, measured, and scaled within complex operating environments.

Selected Work

• Built a governed decision system to evaluate opportunities, classify market signals, apply thresholds, escalate risk, and translate findings into structured portfolio, resume, and strategy outputs.
• Developed AI governance frameworks incorporating use-case intake, risk assessment, human oversight, decision authority, escalation paths, adoption readiness, vendor governance, and value realization.
• Designed human-in-the-loop and agentic AI operating models with guardrails, thresholds, monitoring concepts, accountability structures, controlled autonomy, and responsible implementation controls.
• Created AI-assisted operating workflows for opportunity evaluation, resume strategy, portfolio writing, market intelligence, LinkedIn positioning, interview preparation, and strategic reflection.
• Produced executive-level artifacts clarifying AI strategy, risk taxonomy, operating models, intake criteria, decision authority, roadmap sequencing, oversight needs, and measurement logic.
• Researched Web3, tokenization, smart contracts, settlement infrastructure, and programmable compliance as emerging models for governed execution, auditability, and institutional control.

2012–2024
Associate Director, Product Strategy & Enterprise Transformation
Cognizant Technology Solutions

Led enterprise product strategy, platform modernization, workflow transformation, solution definition, and delivery mobilization across Fortune 500 engagements, with deep experience in regulated industries, complex enterprise platforms, SaaS and digital products, and distributed consulting delivery.

Frequently entered complex or underdefined initiatives during discovery or early solution definition to clarify the problem, research the current state, identify dependencies and opportunities, define future-state products and workflows, establish technical feasibility, align stakeholders, and create enough structure for multidisciplinary teams to execute.

Selected Work

• Led product and platform strategy across commercial and consumer banking, financial services, insurance, healthcare, SaaS, e-commerce, enterprise applications, portals, workflow systems, POS platforms, and internal operational tools.
• Translated ambiguous business objectives and stakeholder needs into product capabilities, customer and employee journeys, workflows, controls, role-based experiences, roadmap inputs, and implementation-ready direction.
• Worked closely with technology teams early in discovery to understand platform strengths, constraints, dependencies, data considerations, and technical feasibility—reducing downstream rework and improving implementation readiness.
• Defined future-state concepts and prototypes used to align executives, product owners, business teams, engineering, operations, compliance, vendors, and other stakeholders around product direction, tradeoffs, sequencing, and delivery priorities.
• Led discovery and solutioning before scaled delivery teams were onboarded, helping determine required capabilities, workstreams, team roles, dependencies, estimates, timelines, and delivery approaches.
• Guided Agile product definition and execution across domestic and offshore teams, often serving as the primary client-facing Cognizant lead while translating stakeholder feedback into actionable direction for distributed delivery resources.
• Directed product and design teams through concept development, prototyping, refinement, and delivery while preserving product intent as work transitioned into scaled implementation.
• Helped clients modernize existing platforms and define net-new solutions, including SaaS product suites, commercial banking experiences, workflow-management systems, B2B and B2C e-commerce, enterprise dashboards, self-service products, financial tools, and role- and permission-based applications.
• Designed and supported operating-model and organizational initiatives, including a Commercial Business Experience Center of Excellence combining client, Cognizant, onshore, and offshore resources.
• Supported engagement recovery, Agile adoption, and difficult delivery environments by diagnosing problems, rebuilding alignment, adapting delivery approaches, and maintaining client confidence through changing requirements.
• Contributed regularly to RFPs, pre-sales, and business development by interpreting requirements, shaping solution narratives, defining workstreams and team structures, developing effort and cost estimates, and presenting proposed solutions to clients in person and remotely.

Select Enterprise Clients

Banking & Financial Services
Sumitomo Mitsui Banking Corporation (SMBC), J.P. Morgan Chase, American Express, Wells Fargo, Discover Financial Services, TIAA, Dun & Bradstreet

Insurance & Benefits
Prudential Financial, AIG, Aetna, Blue Cross Blue Shield of Minnesota, Blue Cross Blue Shield of New Jersey

Healthcare & Life Sciences
Edgepark Medical Supplies / Cardinal Health, Zoetis / Pfizer Animal Health

International Development & Professional Associations
World Bank Group, CFA Institute

Real Estate & Housing
AvalonBay Communities, Sotheby’s International Realty / Realogy

Consumer, Commerce & Technology
The Coca-Cola Company, American Tire Distributors (ATD), BlueTriton Brands / ReadyRefresh, Microsoft, EZCorp, PepsiCo