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I've spent 𝐓𝐰𝐨 𝐃𝐞𝐜𝐚𝐝𝐞𝐬 following one thread: tinkering with technology → 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐬 → delighting customers → disrupting industries → improving lives. That obsession took me from writing code at 𝐎𝐫𝐚𝐜𝐥𝐞 and 𝐌𝐢𝐜𝐫𝐨𝐬𝐨𝐟𝐭 to founding Sensely - an early pioneer of Conversational AI and avatars in healthcare - scaling it globally. Most AI projects fail because the engineer doesn't understand the business, and the executive doesn't understand the tech. I am the exception. I am a GenAI, MCPs, LLMs specialized AI Engineer who speaks the language of the C-Suite. You get a production-grade system that actually solves your business problem (not just a demo) which scales with your company growing. 𝐑𝐄𝐂𝐄𝐍𝐓 𝐖𝐎𝐑𝐊 - 𝐄𝐧𝐭𝐞𝐫𝐩𝐫𝐢𝐬𝐞 𝐊𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐂𝐨𝐩𝐢𝐥𝐨𝐭 (𝐅𝐮𝐥𝐥-𝐒𝐭𝐚𝐜𝐤 + 𝐑𝐀𝐆) - Support reps dug through 40k+ policy docs and still answered wrong. Built a cited-answer copilot that cut handle time and new-hire ramp. Next.js 15 RSC + TypeScript, Node/tRPC, Postgres + pgvector hybrid search with cross-encoder reranking, per-tenant cost metering, LangSmith evals in CI. - 𝐒𝐞𝐧𝐬𝐞𝐥𝐲-𝐕𝐢𝐫𝐭𝐮𝐚𝐥 𝐇𝐞𝐚𝐥𝐭𝐡 𝐀𝐬𝐬𝐢𝐬𝐭𝐚𝐧𝐭 - Co-founded and scaled an empathy-driven conversational AI avatar used by the NHS, AXA, Generali & Mayo across 35+ countries; raised $26.5M; acquired by Mediktor. - 𝐌𝐮𝐥𝐭𝐢-𝐀𝐠𝐞𝐧𝐭 𝐑𝐞𝐯𝐞𝐧𝐮𝐞 𝐎𝐩𝐬 𝐏𝐥𝐚𝐭𝐟𝐨𝐫𝐦 (𝐅𝐮𝐥𝐥-𝐒𝐭𝐚𝐜𝐤 + 𝐆𝐞𝐧𝐀𝐈) - A GTM org was leaking pipeline to manual CRM hygiene and slow follow-up. Built agents that research accounts, draft outreach, and update CRM records under human approval. LangGraph over custom MCP servers, Temporal durable execution, Stripe metered billing, Next.js console for run replay and audit. - 𝐑𝐞𝐚𝐥-𝐓𝐢𝐦𝐞 𝐕𝐨𝐢𝐜𝐞 𝐈𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞 𝐨𝐧 𝐀𝐖𝐒 + 𝐂𝐥𝐚𝐮𝐝𝐞 - Frontline staff spent more time documenting conversations than having them. Shipped live transcription and summarization that returns a structured note seconds after the call ends. Kinesis + Transcribe streaming into Claude on Bedrock; Lambda, ECS Fargate, S3/KMS, HIPAA-eligible, CDK IaC. - 𝐂𝐥𝐚𝐢𝐦𝐬 & 𝐔𝐧𝐝𝐞𝐫𝐰𝐫𝐢𝐭𝐢𝐧𝐠 𝐀𝐮𝐭𝐨𝐦𝐚𝐭𝐢𝐨𝐧 𝐨𝐧 𝐀𝐳𝐮𝐫𝐞 + 𝐎𝐩𝐞𝐧𝐀𝐈 - Reviewers hand-keyed data from PDFs and email attachments into a multi-day backlog of inconsistent decisions. Automated intake and triage so staff only touch exceptions. - 𝐌𝐮𝐥𝐭𝐢-𝐓𝐞𝐧𝐚𝐧𝐭 𝐒𝐚𝐚𝐒 𝐏𝐥𝐚𝐭𝐟𝐨𝐫𝐦 (𝐅𝐮𝐥𝐥-𝐒𝐭𝐚𝐜𝐤) - A funded startup ran pilots out of spreadsheets and needed a product customers could buy without a salesperson. 𝐖𝐇𝐀𝐓 𝐈 𝐁𝐔𝐈𝐋𝐃 I build the whole thing. The interface your users touch, the API and data model underneath it, the retrieval and agent layer that makes it intelligent, the cloud infrastructure it runs on, and the evals and dashboards that tell you it's still working next quarter. That means agentic systems and MCP integrations, RAG over messy real-world data, conversational and voice interfaces, document and workflow automation, internal copilots, and the multi-tenant SaaS products they live inside. Healthcare and insurance are where I have the deepest scar tissue, but the engineering is domain-agnostic - I've shipped for fintech, e-commerce, telecom, logistics, legal, and B2B software, and the pattern is always the same: find the workflow that costs the most, and make it disappear. 𝐖𝐇𝐘 𝐂𝐋𝐈𝐄𝐍𝐓𝐒 𝐇𝐈𝐑𝐄 𝐌𝐄 Because I optimize for your outcome, not my hours. I've been the founder staring at runway and the CPTO defending a roadmap, so I'll tell you when a feature isn't worth building, when a cheaper model gets you 95% of the result, and when the honest answer is that AI isn't the right tool for this problem. Clients keep coming back because I treat their business as the product and the software as the means. 𝐓𝐄𝐂𝐇 𝐒𝐓𝐀𝐂𝐊 - 𝐅𝐫𝐨𝐧𝐭𝐞𝐧𝐝: React, Next.js (App Router, RSC), TypeScript, Angular, Tailwind, shadcn/ui, TanStack Query, Vercel AI SDK, WebSockets/SSE, React Native - 𝐁𝐚𝐜𝐤𝐞𝐧𝐝: Node.js, NestJS, Express, tRPC, Python, FastAPI, Go, REST, GraphQL, gRPC, WebRTC, microservices, Temporal, BullMQ - 𝐆𝐞𝐧𝐀𝐈 & 𝐀𝐠𝐞𝐧𝐭𝐬: OpenAI, Claude, Gemini, Azure OpenAI, Bedrock, MCP, LangChain, LangGraph, RAG, agentic workflows, tool calling, fine-tuning, LLM evals, guardrails, voice AI (Whisper, ElevenLabs, LiveKit) - 𝐃𝐚𝐭𝐚 & 𝐕𝐞𝐜𝐭𝐨𝐫: PostgreSQL, pgvector, Pinecone, Qdrant, Redis, MongoDB, DynamoDB, Cosmos DB, Supabase, Prisma, Snowflake, Databricks - 𝐂𝐥𝐨𝐮𝐝 & 𝐃𝐞𝐯𝐎𝐩𝐬: AWS, Azure, GCP, Docker, Kubernetes, Terraform, GitHub Actions, LangSmith - 𝐈𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐢𝐨𝐧𝐬 & 𝐂𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞: Stripe, Twilio, Salesforce, Epic/Oracle Health, HL7 v2, FHIR R4, OAuth 2.0/OIDC, SSO/SAML, HIPAA, SOC 2, GDPR If you're navigating GenAI - as a founder, executive, or enterprise team - let's talk.

CRO | CTO | STRIPE CONNECT | STRIPE BILLING | STRIPE RADAR | STRIPE API | STRIPE CHECKOUT | STRIPE TERMINAL | FINTECH | SAAS | AI | PAYMENTS | COMPLIANCE ( PCI DSS, GDPR) CRO | Meta Ads | Google Ads | ROAS | CAC XERO | QUICKBOOKS | ACCOUNTING SOFTWARE INTEGRATION FRACTIONAL CTO SERVICES | SCALABLE MVP DEVELOPMENT | REMOTE TEAM LEADERSHIP | TECHNICAL ROADMAPPING | STRIPE CONSULTING & DEVELOPMENT | AI | AUTOMATION Fractional CTO | 17+ Years IT Leadership | FinTech & Healthcare | Scalable MVPs | Stripe & Payments Expert I bring 17+ years of experience in technology, 10 years in FinTech and 2 years in AI—leading startups from concept to scale. As a Fractional CTO, I specialize in architecting investor-ready MVPs, building and managing remote engineering teams, and aligning technical roadmaps with business milestones. My approach balances speed-to-market with the long-term stability investors expect. As a Certified Stripe Expert, I’ve delivered 200+ projects across SaaS, eCommerce, and healthcare, helping founders design, integrate, and optimize payments that drive revenue and meet global compliance standards. Beyond Stripe, I manage full product lifecycles, ensuring delivery on time, within budget, and aligned with growth objectives. I’m also passionate about AI-driven automation, applying conversational AI, intelligent bots, and no/low-code workflows to simplify operations and create scalable, cost-efficient systems. What I Offer: Fractional CTO leadership & technical roadmapping Stripe consulting, integration, and optimization Scalable MVP development with investor alignment End-to-end project & product management (Agile/Scrum) AI-powered automation for payments, SaaS, and operations If you’re looking for a CTO who blends deep technical expertise with executive strategy, I’d be glad to help shape and scale your product. SKILLS: ✓✓✓ Payment Gateway Integrations ✓✓✓ Payment Gateway Migrations ✓✓✓ Technical Roadmapping ✓✓✓ Startup Fundraising Support ✓✓✓ Cloud Architecture (AWS, GCP, Azure) ✓✓✓ Remote Team Leadership ✓✓✓ SaaS Architecture ✓✓✓ Healthcare Technology (HIPAA, HL7, FHIR) ✓✓✓ FinTech Compliance (PCI DSS, PSD2) ✓✓✓ Scalable MVP Development ✓✓✓ Vendor Management ✓✓✓ AI Software Development ✓✓✓ AI Agent Development ✓✓✓ No/Low Code Development • STRIPE • PAYPAL • Authorize.net • 2 Checkout • Sage Pay • Square • WorldPay • RazorPay • WeChat Pay • iDeal • Klarna • QuickBook TaxJar • Xero • AI • ChatGPT • LangChain Tech Stack & Leadership Capabilities ✓ DevOps & Infrastructure: CI/CD pipelines, Docker, Kubernetes, infrastructure-as-code (Terraform, Ansible), monitoring & observability (Datadog, Prometheus, Grafana). ✓ Cybersecurity & Compliance: Identity and access management, encryption standards, SOC2 & GDPR compliance, penetration testing oversight. ✓ Data & Analytics: Data pipelines, ETL, real-time processing (Kafka, Spark), business intelligence dashboards. ✓ Mobile Oversight: iOS/Android (Swift, Kotlin, React Native, Flutter) – leadership & architectural guidance. ✓ Scalability & Reliability: Microservices architecture, high availability (HA), disaster recovery (DR), event-driven systems. ✓ Product Strategy: Product-market fit, UX/UI oversight, customer-driven roadmaps, investor milestone alignment. Core Development Expertise: ✓ Languages & Frameworks: Python, Java, Node.js, Next.js, PHP, Java EE (Servlet, JSP, EJB, Hibernate, Spring). ✓ Web & CMS: WordPress, WooCommerce. ✓ Databases: MySQL, Oracle. ✓ Cloud: AWS, GCP, Azure. ✓ OS: Linux, Windows. ✓ Front-End: JavaScript, jQuery, AJAX, Node.js. ✓ APIs & Integrations: REST APIs, ChartMogul, Twilio, Mailchimp, HubSpot, Facebook Graph, Google Maps, Twitter. ✓ Video Handling: Cloudflare Stream (direct upload, processing, secure playback). ✓ Tooling & Automation: Jenkins, MQ, Agile/Scrum workflows.

𝗜'𝗺 𝗮 𝘀𝗲𝗻𝗶𝗼𝗿 𝗳𝘂𝗹𝗹-𝘀𝘁𝗮𝗰𝗸 𝗮𝗻𝗱 𝗯𝗮𝗰𝗸𝗲𝗻𝗱 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗲𝗿, 𝘁𝗵𝗶𝗻𝗸 𝗼𝗳 𝗺𝗲 𝗮𝘀 𝘆𝗼𝘂𝗿 𝗴𝗼-𝘁𝗼 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝘀𝗼𝗹𝘃𝗲𝗿 𝗳𝗼𝗿 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘀𝗰𝗮𝗹𝗮𝗯𝗹𝗲, 𝗿𝗲𝗹𝗶𝗮𝗯𝗹𝗲, 𝗮𝗻𝗱 𝗺𝗮𝗶𝗻𝘁𝗮𝗶𝗻𝗮𝗯𝗹𝗲 𝘀𝗼𝗳𝘁𝘄𝗮𝗿𝗲 𝗳𝗿𝗼𝗺 𝗶𝗱𝗲𝗮 𝘁𝗼 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝗶𝗼𝗻. With 8+ years of experience, I help teams ship faster, avoid roadblocks, and turn complex SaaS platforms, API-first backends, enterprise dashboards, and cloud-native services into working realities. 𝗙𝗿𝗼𝗻𝘁𝗲𝗻𝗱: React.js, TypeScript, Next.js, Redux, TailwindCSS, Vue.js 𝗕𝗮𝗰𝗸𝗲𝗻𝗱: Node.js, Python, Django, Java, Microservices, Express.js, NestJS 𝐃𝐚𝐭𝐚𝐛𝐚𝐬𝐞𝐬: PostgreSQL, MongoDB, MySQL, Redis Firebase 𝐂𝐥𝐨𝐮𝐝 & 𝐃𝐞𝐯𝐎𝐩𝐬: AWS, EC2, Lambda, S3, RDS, GCP, Azure, Docker, Kubernetes, CI/CD, GitHub 𝐀𝐏𝐈𝐬 & 𝐈𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐢𝐨𝐧: REST, GraphQL, WebSockets, Third-Party APIs, gRPC 𝐖𝐡𝐲 𝐂𝐥𝐢𝐞𝐧𝐭𝐬 𝐖𝐨𝐫𝐤 𝐖𝐢𝐭𝐡 𝐌𝐞: - I solve real problems with scalable web apps, automation, and AI/ML integrations - I own delivery, from first commit to production deployment - I ship fast, maintain clean code, and design systems that scale - I integrate cloud, APIs, microservices, and serverless architectures - I improve performance, security, and maintainability in every project 𝐈 𝐂𝐚𝐧 𝐇𝐞𝐥𝐩 𝐖𝐢𝐭𝐡:: - Full-stack SaaS apps, dashboards, and MVPs - Backend systems: APIs, microservices, authentication, RBAC - Cloud & DevOps: AWS, serverless, Docker, Kubernetes, CI/CD - AI & ML features: Chatbots, LLMs, CV, Predictive Models - Automation & workflow orchestration: Scraping, bots, API integrations 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐄𝐱𝐩𝐞𝐜𝐭: - Clear communication and structured delivery - Clean, maintainable architecture and codebase - Fast problem-solving with technical ownership - Scalable systems ready for enterprise or SaaS growth

I am a tool maker and a problem solver. I have deep experience working with software including massive distributed systems and microscale IoT devices. I enjoy designing and building complex electro-mechanical systems and developing easy to use interfaces. I'm excellent at hardware design, software design, fabrication, development, testing, and delivery. I have good communication skills and strive to create simple effective robust solutions.

🇺🇸 US-based Top Rated Lead helping businesses grow from MVPs to fully customized SaaS products. Would you like a free audit or an estimate tailored to your case? Drop me a message! $53M+ Raised by Clients | 84+ MVPs Launched | 14 Years Building SaaS Startups | 100% Job Success ✅ Co-Founder & CEO at Beyond the Wow — AI Developer & Startup MVP Studio ✅ CEO at Gearheart — Enterprise SaaS MVP Development Studio (14 Years) ✅ 2x Founder of B2B SaaS Products, 1 Exit ✅ 84+ MVP Launches for Startups & Growth-Stage Teams ✅ Built SmartSuite from Scratch — $38M Raised, 7M+ Users ✅ 2–4x Faster MVP Development Using Claude Code, Lovable, Cursor, and Replit ✅ Top-Rated on Clutch & GoodFirms I'm a 2x founder with one exit and 14 years building B2B SaaS startups as a Full Stack Developer and MVP Developer. I know what it means to bet on an idea, run out of runway, figure out product-market fit. That's why I work as your SaaS Developer and MVP Developer partner — not vendor, but full stack developer building your startup MVP. I lead Gearheart and co-founded Beyond the Wow — a Full Stack Developer and AI Developer studio. I deliver MVP Development and AI Integration in weeks as a SaaS Developer and MVP Developer. With 14 years of experience, I've shipped 84+ MVP projects for 70+ clients as a full stack developer, web developer, react developer, nextjs developer, wordpress developer, or software developer. Whether you need a SaaS Developer, MVP Developer, full stack developer, or mobile app developer who understands startup growth — I've done it from both sides. My web app development expertise spans startup MVP and mobile app launches to enterprise SaaS platforms with machine learning, saas marketing, and data science. OUR ENGINEERING STANDARD - SmartSuite — SaaS platform built from scratch by a senior full stack developer: $1.2M ARR in 4 weeks, $38M raised, trusted by Capital One - Globalli — SaaS platform for HR/payroll across 125+ countries, SOC2 Type II, $15M raised, 15+ modules WHAT I CAN HELP - Founder Briefing: as an AI Developer and SaaS Developer I define ICP, confirm your startup MVP with software product strategy - Discovery & Prototype: clickable startup MVP in 5 days by an MVP Developer and full stack developer using Lovable, Replit, React - Rescue Diagnosis: production issues? Senior full stack developer and MVP Developer review and fix fast - MVP Development: full-cycle in 3–4 weeks — 2–4x faster. Full stack developer and web developer work includes AI Integration, machine learning, auth, deployment - Sprint Subscription: ongoing SaaS Developer and MVP Developer support with data science expertise MVP SPEED — RESULTS - Legal SaaS platform + AI chatbot (SaaS Developer) → ~2 months - AI Receptionist with CRM AI Integration (startup MVP, machine learning) → weeks - B2B Dental Referral startup MVP (MVP Developer) → 3 weeks - Early-stage startup MVP prototype (MVP Developer specialty) → 5 days - Medical device SaaS platform (full stack developer) → 2 weeks WHY WORK WITH ME - Been There as Founder: Built and exited SaaS products. My MVP Development process and MVP Developer experience is built on founder experience - Product Before Code: I ask "should you build this?" before "how?" My SaaS Developer approach starts with strategy - AI Speed, No Shortcuts: as a SaaS Developer, MVP Developer, full stack developer, and AI Developer, I use Claude Code, Lovable, Cursor — 2–4x faster MVP Development - Offshore Pricing, Enterprise Standard: Ukraine-based SaaS Developer and MVP Developer delivering work at a 14-year standard I work as a full stack developer: web developer, react developer, nextjs developer, wordpress developer, mobile app developer, software developer, senior full stack developer, data scientist, saas marketing, and web app development specialist. WHAT CLIENTS SAY "They were my choice the moment I met them. Their commitment to solving customer problems and creating the best SaaS product is unmatched." — Jon Darbyshire, CEO at SmartSuite "Not only their great skills, but accountability and ownership. Feels like an internal team, not a vendor." — Febriani, AVP Product at Bababos TECH STACK AI & Integration: Claude Code, OpenAI, FastAPI, machine learning, data science Frontend: React, TypeScript, Next.js, Vue.js, WordPress Backend: FastAPI, Django, Python, Node.js, GraphQL DevOps: AWS, DigitalOcean, Kubernetes, Docker From startup MVP and mobile app builds to full SaaS platforms with saas marketing support, I cover sales-ready products end to end as a Full Stack Developer, SaaS Developer, and MVP Developer.

JOSH FOUNDER | 30 YEARS BUILDING AND SHIPPING SOFTWARE PRODUCTS I've founded studios, exited them, and shipped apps to both the Apple and Google app stores. Now I lead a US-based senior engineering team that directs AI agents across the full build. You get the speed. We stay accountable for what ships. This is not vibe coding. It is senior engineering judgment combined with AI execution, built for founders and operators who need to move faster without losing control of the codebase. We embed as a partner, not a vendor. Most clients stay and keep building with us as their de-facto tech team. WHY CLIENTS WORK WITH ME Many software and AI projects fail because the wrong decisions get made early. Scope is unclear. Architecture is rushed. Costs balloon. AI-generated code looks complete but breaks under real-world use. I help clients avoid that by putting senior technical judgment at the center of the build from day one: before development begins, before costs lock in, before the wrong decisions get baked in. WE'RE PROBABLY A FIT IF YOU Have a validated need but no technical team to build what comes next Have a spreadsheet or prototype that proved the idea but won't scale Have a vibe-coded app generating MRR but need a stable foundation under it Started building but need architecture and senior oversight to finish Want to use AI without losing control of your codebase Run knowledge-heavy operations you want to automate without losing human control WHAT WE DO: TWO SERVICE LINES, ONE ENGINE Every build runs on AI agents working alongside senior engineers. That engine powers both: Agentic Software Development. We build the product your customers use: apps, web platforms, games, AI products, and AR/VR, from MVP to scale. Agentic Workflow Automation. We automate the knowledge-heavy processes your team runs on: operations, data pipelines, and document workflows, with AI agents and human-in-the-loop control. The difference is simple. One builds the product your customers use. The other builds the process your team runs on. WHAT WORKING WITH ME LOOKS LIKE Full team: senior engineers, product owner, designer, and QA. I lead. AI executes. Nothing ships without senior review. Advisory: I come in as your fractional technical leader. Same judgment, scoped to what you need. Either way, your code stays clean. Your IP stays yours. We bill for outcomes and architectural judgment, not manual hours. REAL RESULTS Delivered a $1.2M-class enterprise platform for under $95K, same deliverables, fraction of the cost Designed infrastructure that scaled through 500% traffic growth post-launch, with no added admin staff Running 79M pricing combinations in the first 30 days of live production, a lifetime of manual work Drove a 70% increase in R&D utilization through higher AI adoption Turned 20 years of institutional knowledge into a single searchable, trusted source WHAT WE'VE BUILT Maritime AI (Dolgo): voice-first RAG platform for offline expert knowledge capture Automotive SaaS (Ben's Best Price): 79M real-time pricing combinations, replaced manual ops Chemical R&D (Private): 70% increase in AI usage, faster project completion Live Broadcast AI (Pickford AI): first-of-its-kind multi-agent storytelling engine with real-time audience adaptation Nonprofit / Education (5 Keys): 20 years of institutional knowledge made searchable TECH STACK AI/ML: LLMs, RAG, vector search, multi-agent, computer vision Mobile: React Native, Swift, Kotlin, Flutter Game/AR/VR: Unity, Unreal, ARKit, ARCore Backend: Python, Node.js, C#, Firebase, PlayFab Cloud: AWS, Azure, Google Cloud, Supabase, Docker, Kubernetes BEFORE YOU SPEND MORE BUDGET Send me a message first. Honest read on the risks, the gaps, and what it would actually take to ship. No pitch. No commitment. NDA first.