AI-Native Fintech Executive and Operator

JEROLD JEFFCOAT

CHIEF EXECUTIVE OFFICER FINTECH FOUNDER OPERATIONS TRANSFORMATION

EXECUTIVE

San Tan Valley, AZ • 480-***-**** • **************@*****.*** • linkedin.com/in/jerold-j-898012260 EXECUTIVE SUMMARY

Visionary C-suite executive and fintech founder with 20+ years driving operational transformation across mortgage, auto, and consumer lending. Architect of AI-native servicing platforms that outperform legacy systems by 35%+, delivering $50M+ in cumulative efficiency gains. Proven at scale: 61% efficiency improvement, 32.5% delinquency reduction, 90% recovery rates, and $12M+ annual cost savings at a single organization. Currently building FinFusion Technologies — a next-generation unified operating system for the $1.2T loan servicing market, integrating compliance automation, real-time KPI intelligence, and live agent assist into a single platform targeting Series A fundraising.

C ORE C OMPETENCIES

Strategic Operations Leadership AI & Automation Architecture Omni-Channel Contact Center

Design

Regulatory Compliance (RESPA

/ TILA / CFPB / GSE)

P&L Management & Investor

Relations

Portfolio Risk Reduction & KPI

Architecture

Loan Onboarding & Default

Management

Cross-Functional Executive

Alignment

Fintech Product Strategy &

Fundraising

QUANTIFIED I M PACT

$50M+

Cumulative Efficiency

Gains

$12M+

Annual Cost Savings

(Valon)

61%

Operational Efficiency Lift

35%

Fusion Flow AI Platform

Lift

32.5%

Avg. Delinquency

Reduction

90%

Early-Stage Loan

Recovery Rate

$300M+

Servicing Portfolio

Overseen

$1B+

Portfolio Managed at

JPMorgan

PROFESSIONAL EXPERIENCE

Founder & Chief Executive Officer FinFusion TechnologiesSan Tan Valley, AZ • 2023 – Present

• Architected Fusion Flow — a unified AI-native operating system spanning Lending and Servicing across Auto, Mortgage, Personal, BNPL, and HELOC verticals, delivering 35% operational efficiency improvement over legacy servicing models.

• Positioned company within the $1.2T loan servicing market through differentiated compliance automation, real-time performance analytics, and embedded live agent assist capabilities — achieving 100% regulatory adherence across a 42-state licensing footprint.

• Built investor-ready infrastructure with measurable ROI projections, scalable architecture, and strategic partnerships with banking institutions and technology vendors targeting Series A fundraising.

• Designed embedded KPI intelligence and compliance automation workflows, enabling proactive performance management and eliminating audit risk across all operational layers. Senior Director of Site Operations Valon Mortgage, Inc. Phoenix, AZ • 2020 – 2022

• Oversaw $300M+ servicing portfolio across Customer Service, Escrow, Collections, Loss Mitigation, and Loan Onboarding; delivered 61% operational efficiency improvement while sustaining 88% customer retention.

• Generated $12M+ in annual cost savings through AI-enabled automation, workflow redesign, and predictive analytics — reducing default rates by 18% and improving agent response time by 25%.

• Structured Mortgage Loan Onboarding framework from zero: LOS registration, escrow setup, investor coding alignment, and payment validation controls aligned with RESPA, TILA, CFPB, and GSE standards.

• Launched KPI dashboards tracking boarding cycle time, first payment accuracy, compliance exception rates, and vendor SLAs; achieved 100% audit compliance across all review periods.

• Led executive-level site search and Arizona facility buildout: reviewed RFPs, reconciled all site invoices, managed vendor relationships, and delivered on schedule. Vice President / Director of Mortgage Servicing Valon Mortgage, Inc.Phoenix, AZ • 2019 – 2020

• Ensured compliance with policies across Customer Service, Loss Mitigation, and Foreclosure; led monthly, quarterly, and annual audits maintaining full regulatory adherence throughout.

• Built and scaled contact center teams aligned to projected mortgage servicing pipeline volumes; hired, coached, and led associate directors, frontline managers, and product specialists.

• Partnered with the technology group to develop servicing product capabilities for Valon and external servicer clients.

Senior Operations Manager — Mortgage Servicing Cenlar FSB Chandler, AZ • 2018 – 2019

• Directed 150+ FTE contact center operation covering Customer Service and Default Servicing; achieved 32% delinquency reduction through structured strategy execution and workflow optimization.

• Led monthly and annual compliance audits ensuring full regulatory adherence; institutionalized performance coaching frameworks delivering sustained KPI attainment. Mortgage Account Resolution Team Manager Wells Fargo Chandler, AZ • 2015 – 2018

• Managed team of 20 specialists handling current and delinquent loan communications, elevating performance into the top 10% of company call centers.

• Deployed AI-enabled automation and optimized dialer strategies, achieving 15% operational cost reduction and contributing to a 20% delinquency reduction.

Senior Operations Manager, Collections Specialized Loan Servicing LLCPhoenix, AZ • 2012 – 2015

• Led 300-seat contact center overseeing $500M delinquent portfolio; reduced delinquency rates by 32.5% through structured risk segmentation and targeted recovery strategies.

• Achieved 90% recovery rate on early-stage loans; built loss mitigation department including training, audit frameworks, and compliance policies reducing portfolio risk by 45%. Recovery Manager JPMorgan Chase Phoenix, AZ • 2010 – 2012

• Directed recovery strategies for $1B mortgage portfolio with 45 specialists; improved recovery rates by 20% through data-driven portfolio segmentation.

Vice President of Customer Service GE Money Bank Tempe, AZ • 2003 – 2009

• Led multi-department servicing and collections teams consistently exceeding KPIs for compliance, efficiency, and customer satisfaction.

• Spearheaded enterprise CRM integration reducing operational risk by 15% and establishing governance frameworks across multiple business units.

EDUCATION

Temple University — Bachelor of Business Administration, Organizational Leadership Mesa Community College — Associate of Applied Science, Business Administration C R EDENTIALS & T ECHNOLOGY

Credentials: Lean Six Sigma White Belt • SOC 1 & SOC 2 Certified • NMLS Certified • 42-State Mortgage Loan Officer Licenses • 15 Collection Licenses

Technologies: Salesforce • Zendesk • Looker • MSP • Asana • Confluence • Hogan • Shaw • Adobe • ADP • Google Workspace

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