About Zach
I come from institutional finance — seven years at Bank of America in wholesale credit, where I structured and underwrote debt for large corporates, negotiated complex credit documentation, and managed cross-office teams. I was one of 12 associates nationally selected for an international assignment in London. That experience gave me a rigorous analytical foundation, a bias toward structured thinking, and an understanding of how large organizations actually make decisions.
At Kellogg, I shifted my focus toward technology and what's possible when you combine domain expertise with the ability to build. Since then, I've been designing and shipping AI-powered applications — patent intelligence systems, agentic workflows, interactive research tools, and publication-quality document engines. I build full-stack, from architecture through deployment, and I do it because the best way to understand a problem is to build the solution yourself.
I write about the forces reshaping industries — how AI is creating new asymmetries in hiring, how the LLM ecosystem is evolving, and where the real leverage points are for people who can both think and build. My work sits at the intersection of finance, technology, and execution.
- Former VP at Bank of America — wholesale credit, structuring, and underwriting for $2B+ revenue corporates.
- Design and build AI-powered applications from zero to production — agentic systems, intelligence pipelines, interactive tools.
- Produce publication-quality research and analysis across finance, AI, and emerging technology.
- Bridge the gap between strategic thinking and hands-on technical execution.
The best way to understand a problem is to build the solution. Strategy without execution is just commentary.
Education
MBA, Kellogg School of Management at Northwestern University
Focus: Finance · Graduated 2024
B.B.A., Southern Methodist University, Cox School of Business
Major: Finance | Minor: Economics · Graduated 2014
Insights & Projects
I exported three years of ChatGPT data and ran it through Claude to build a cognitive profile. The results were more honest than any self-assessment I've ever written.
A self-hosted WireGuard VPN on Oracle Cloud's Always Free tier. Private DNS, no logging, works on iPhone and Windows — and it costs exactly nothing.
AI is arming both sides of the hiring pipeline with tools to generate noise. The traditional talent funnel isn't ready for what happens when neither side can trust the other.
Every concept that extends what an LLM can do — tools, MCP, agents, RAG, and more — mapped by architectural layer.