Murali B

Combines first principles thinking with business acumen; a generalist who dives deep into specialist areas of Technology & delivers results on time. Designed & Deployed production grade Systems & Interfaces across commercial sectors including FinTech, Industrial Manufacturing, Teleco, Energy, Consumer Goods, Supermarkets, Automotive. Specialized in automation of- Business Processes, Workflows, Software Apps, Data Pipelines, Analytics, Business Intelligence across Platforms from the IBM Mainframes to Serverless Cloud Computing Services.

Distinguished for creating Secure & Scalable, Solution Architectures that are near future-proof avoiding technical debts & costly project overruns; former IBMer & advisor to Executive stakeholders. Current focus area is Forward Deployed AI Engineering of Core Systems/Interfaces of Finance (Mortgage Banking) Industry, and Retooling; also proficient in Data Science, ML/DL/AI

Principal Systems Engineer at AdelleTech (2025-08 – Present)

Self-Employed; Financial Services. Delivering bespoke IT services, culminating decades of hands-on experience & intuition for solutions & business acumen; architecting & engineering systems & interfaces for always-on commerce in the era of consumer grade AI.

Chief Information Officer at GO Mortgage (2022-12 – 2025-08)

Privately held; Financial Services

• Engineered modern Tech-Stack for the Bank; lowered the TCO by 50% (of $2M/yr operating budget); integrated Operations, Marketing, Sales, Finance, Compliance, Personnel, Managed Services to provide a consistent near real-time visualizations to the CEO, Business & Profitability.
• Designed, Developed & Deployed sophisticated LMS (Lead Management System) that is one of a kind in the Mortgage industry, custom-tailored for co-marketing in US local markets & optimizing Lead spend.
• Automated Data Analytics delivery; christened Enterprise BI (Business Intelligence) platform & EDW/EDL (Enterprise Data Warehouse/Lakehouse), built several dozens of Data Pipelines, created hundreds of Data Visualizations, & wrote thousands of lines of code to measure and monitor KPIs against OKRs across all verticals of the Mortgage Banking Business from Revenue, Pipeline Efficiency, Asset Utilization, Service Speed/Availability across all US time zones and geographies.
• Enabled secure B2B integrations for automation of Brokered Loans (HELOCs, Reverse), Closing Services Quotes (Hazard/Title Insurance, Inspection, Appraisal, Recording), Mortgage Servicing entities.
• Implemented omni-channel delivering Technology & Business Services ranging from H/W, S/W, Asset Tracking/Repossession, Helpdesk, to Access Provisioning, Manager Approvals, Compliance Tracking.
• Enabled comprehensive Cybersecurity solutions; SSO w/MFA & Least Privilege ACLs for Enterprise Systems, upgraded MDR, Secure Email, Automated Antivirus/Antimalware Updates, minimized Threat Surface utilizing Bastion Hosts and VPNs (Virtual Private Networks), Scheduling Privileged Access Windows.

VP Marketing Technology at Fairway Independent Mortgage (2020-05 – 2022-12)

Privately held; Financial Services

• Christened MarTech and Analytics services; delivered custom REST Web APIs for every major Lead supplier (incl., Lendingtree, Zillow, Realtor, Bankrate, CreditKarma, Redfin, MRC) for residential mortgages; lowered Loan Origination Marketing Cost to ~$250 from Lead to Application.
• Built dozens of automated data pipelines, and BI (Business Intelligence) dashboards to attribute and track over $5B of Annual Revenue associated with Lead Generation; utilized Cloud platforms for automation and improved the reliability and compliance of Leads, delivered up to ~5% Lead Conversion on a spend of $12M per year.

Lead Data Engineer at TIAA-CREF (2016-02 – 2019-10)

Privately held; Financial Services

• Led Data Engineering team at an Enterprise with $1T in AUM serving 4.5 million customers. Maintained and Modernized Data Integration Middleware on IBM Mainframe, & LUW platforms responsible for ETL/ELT of structured Financial data (like changing investment options, pension contributions, account updates) all incredibly light (few GB/day) but significant for regulatory reqs to notify the participants/customers when changes to their portfolios are initiated. Significant initiatives also included acquisition of Nuveen ($2.7B), & EverBank ($563M), KYC, AML, & CCAR compliance, & EFCP.
• Marquee project: Engineered low-latency, high-velocity, Event Streams & Data Lakes with HADR utilizing hybrid Cloud architecture; Driver of this infrastructure was Telemetry events, mostly unstructured machine-generated data in the low TB/day range; millions of text-and-numerical entries. This included application logging, cybersecurity system tracking, website traffic metrics, cloud monitoring, and call center audio recordings all significant for EFCP use cases.

Systems/Data Architect at Ahold Delhaize (2011-10 – 2015-12)

ASX:DEG; Retail

• Integrated 1500+ points-of-sale at FoodLion and Hannaford retail supermarket stores with back-office apps via Middleware to enable real-time inventory, cash, supply chain, labor management.
• Delivered Data Warehouse w/Governance & MDM for, Descriptive & Predictive Data Analytics Capabilities; seamlessly integrated 30,000+ Supplier & Distribution Logistics Data & Applications on mission critical IBM Mainframe & Unix Platforms with EDW & MDM.

IT Solutions Architect at IBM (2004-11 – 2011-10)

NYSE:IBM; Technology. Client Exec Consultant; utilized several popular commercial software platforms, tools and development frameworks specializing in integration middleware solutions. Significant projects include-

• Bridgestone Tires Nashville, TN - Industrial Manufacturing; TSE: 5108, ADR $BRDCY -Delivered a complex more modern integrated supply chain distribution platform with a value proposition of generating 9% increase in ROI against $12B revenue.
• Arcelor-Mittal Steel East Chicago, IN - Industrial Manufacturing; NYSE:MT -Delivered complex data integrations of a modern supply chain distribution system for various categories of steel products.
• Frontier Communications Rochester, NY - Telecommunication Utilities; NASDAQ: FYBR -Led data integration for FCC compliant M&A of infrastructure (acquired from Verizon) across 21 US states.
• Xcel Energy Minneapolis, MN - Energy Utilities; NASDAQ: XEL -Created Energy Demand Forecasting Model and a workflow that is more deeply integrated with the energy futures market.
• Exelon Energy (formerly Pepco Holdings Inc.) Washington, DC - Energy Utilities; NASDAQ: EXC -Deployed one of first Intelligent Utility Networks (IUN), utilizing AMI (Advanced Metering Infrastructure) enabling near-real-time billing and Outage Management Services (OMS) for detection and faster restoration across 8 states and 5M+ customers, abiding by NERC-CIP regulations.
• Toyota Motor Sales, Los Angeles, CA - Automotive Sales; NYSE: TM - Created middleware interfaces for implementation of SIMS (Strategic Incentives Management System) for real-time view of ( ~$3.5B) cash-equivalent vehicle sales incentives across all of Toyota's 2400+ US dealerships.
• Verizon Wireless (previously Alltel Wireless) - Telecommunication Utilities; NYSE: VZ -Built interfaces for omni-channel self-service portal serving 13M+ subscribers across 34 states.

Sr. Systems Analyst at Sara Lee, Hanesbrands (2001-10 – 2004-11)

Consumer Goods; TSE:HSH & NYSE:HBI

• Developed hybrid ERP platform integrating legacy systems for Personnel Management, Supply Chain Management and a number of homegrown applications running on Mainframes, Midrange servers of distributed client-server architecture of the Enterprise.
• Integrated the HRIS using custom workflow to standardized auto-provisioning of access & resources to new hires, and transfers across America (US, Mexico), Europe, Australia.
• Implemented the first fully integrated RFID solutions at pallet and case level to track inventory from warehouse through retail outlets; optimized supply chain logistics and reduced product damage and merchandise shrinkage. Integrated with a globally standardized catalog for product information.

Mainframe Applications & Systems Programmer at Transys Inc. (1997-07 – 2001-07)

Privately held; Technology Contract Services. Foray into Enterprise Applications Programming, starting with Centralized Mainframes and transition to working with Distributed Client Server Architectures. Contract employee at major shops-

• HSBC (formerly Household Credit Services) Salinas, CA - Wrote data audit programs to QA datasets for $15.3B M&A Beneficial Corp. Modernized front-office Mainframe Apps using MQ.
• SG Cowen & Co, New York City, NY -Wrote network programs to continuously monitor & measure SLAs of transaction service providers (OMS/EMS) for trading Stocks, Options Bonds, Futures, Currencies.
• Great American Insurance Co Cincinnati, OH -Optimized Mainframe batch Jobs and Scaled the Infrastructure for Compute demand as the volume of the Data grew. Modernized Claims processing.
• PNC Bank (formerly Provident Bank) Cincinnati, OH - Re-engineered critical service modules of the bank to be Y2K compliant by expanding files & date logic across thousands of lines of Mainframe code.

Master of Business Administration, SUNY at Albany, New York, USA

Master of Science (Physics), Andhra University, INDIA