Racy Morgan

Senior Payments Technology, Product, and Transformation Executive with 20+ years of experience leading complex financial-services technology portfolios, applications, product organizations, enterprise platforms, and large-scale transformation across J.P. Morgan, U.S. Bank/Elavon, IHG, PwC, and KPMG. Former J.P.

Morgan Accounts

Payable and Accounts Receivable Product Leader, leading product and technology strategy across critical B2B payments platforms while managing approximately $2B in Payments P&L and delivering 20%+ annual growth. Extensive experience leading and partnering with engineering organizations across the full software development lifecycle, including application strategy, architecture, requirements, solution design, development, testing, release management, production support, modernization, and continuous improvement. Strong technical fluency across Java, modern Java frameworks, microservices, Kafka and event-driven architectures, APIs, distributed systems, cloud-native application development, application integration, DevOps, CI/CD, Agile/Scrum, Jira, and Confluence.

Able to engage credibly with engineers and architects on technical design, dependencies, quality, scalability, resiliency, security, and delivery trade-offs while maintaining accountability for business outcomes. Proven leader of geographically distributed teams and complex portfolios, with experience establishing organizational structures, resource and capacity models, budgets, roadmaps, delivery governance, KPIs/OKRs, risk and control frameworks, and executive reporting. Deep payments expertise across Accounts Payable, Accounts Receivable, commercial payments, payment processing, acquiring, authorization, settlement, reconciliation, fraud, disputes, payment networks, APIs, and payment technology platforms.

Combines technical leadership with strong business judgment, balancing technology quality, customer outcomes, financial performance, regulatory requirements, risk, resiliency, and strategic priorities.

Managing Director — Payments Technology, Product & Portfolio Leadership - J.P. MORGAN - Tampa, FL

(2020-06 - 2024-06)

Led product, technology, portfolio strategy, and transformation across a major North American Payments organization. Served as J.P.

Morgan Accounts

Payable and Accounts Receivable Product Leader, responsible for product strategy, technology priorities, platform evolution, roadmap, client outcomes, and cross-functional execution across critical B2B payments capabilities. Led one of J.P. Morgan's largest Payments portfolios in North America with approximately $2B P&L responsibility, delivering 20%+ annual growth. Led complex application and technology portfolios spanning multiple products, platforms, engineering teams, business functions, and technology dependencies.

• Partnered directly with Engineering and Architecture leaders on Java-based applications, microservices architectures, Kafka/event-driven platforms, APIs, distributed systems, cloud capabilities, integration patterns, security, scalability, and reliability.
• Translated business strategy and customer requirements into application roadmaps, technology strategies, product requirements, investment priorities, and delivery plans.
• Led initiatives through the full SDLC, including discovery, requirements, solution design, development, testing, release management, production readiness, post-release monitoring, and continuous improvement.
• Managed portfolios across Run, Grow, and Transform, balancing production stability, regulatory requirements, technical debt, modernization, new capabilities, and strategic investment.
• Established portfolio governance covering budget, resource allocation, capacity planning, milestones, dependencies, risks, issues, technology quality, benefits realization, and executive escalation.
• Partnered with engineering teams to establish appropriate delivery disciplines around Agile/Scrum, backlog management, sprint execution, testing, release planning, CI/CD, and production support.
• Used Jira to support portfolio, backlog, sprint, issue, dependency, and delivery tracking and Confluence for requirements, documentation, knowledge sharing, and product / technology governance.
• Established executive reporting covering portfolio health, delivery performance, financial performance, risks, dependencies, technology milestones, and business outcomes.
• Developed business cases and investment recommendations balancing technology investment, resource capacity, revenue, client impact, operational cost, risk, resiliency, and strategic priorities.
• Led transformation initiatives involving application modernization, APIs, event-driven integration, data, workflow redesign, automation, and digital payment capabilities.
• Worked with Engineering and Architecture to evaluate technical trade-offs involving scalability, reliability, performance, integration complexity, technology debt, security, and total cost of ownership.
• Led globally distributed and cross-functional teams spanning Product, Engineering, Architecture, Operations, Technology, Finance, Risk, Compliance, Legal, and Client Service.
• Established clear accountability, decision rights, governance, delivery cadences, and performance expectations across complex matrixed organizations.
• Drove Agile transformation and continuous improvement across product and technology organizations, strengthening planning, prioritization, execution transparency, and delivery discipline.
• Led issue-resolution processes for complex business and technology problems, identifying root causes, evaluating alternatives, establishing remediation plans, and escalating material risks appropriately.
• Ensured technology and product decisions incorporated operational risk, technology risk, regulatory requirements, controls, customer impact, security, and resiliency.
• Partnered with technology organizations on disaster recovery, application resiliency, production readiness, and business-continuity considerations for critical payment capabilities.
• Developed and mentored product, technology, and transformation leaders, establishing expectations for technical fluency, execution quality, stakeholder management, accountability, and continuous improvement.
• Leveraged data, analytics, automation, and AI-enabled capabilities to improve product decision-making, documentation, operational performance, and team productivity.

Senior Technology Transformation, Strategy & Payments Leadership - U.S. BANK / ELAVON - Atlanta, GA

(2014-09 - 2020-05)

Led technology-enabled transformation and strategic initiatives across U.S. Bank / Elavon payments and merchant-services businesses. Led complex technology and transformation programs across payments acquiring, merchant services, payment processing, enterprise applications, operations, and technology.

• Partnered with Engineering and Architecture teams on application modernization, APIs, integrations, distributed technology environments, automation, data, and digital capabilities.
• Led initiatives through the full SDLC, including requirements, solutioning, development, testing, implementation, rollout, and post-production performance management.
• Restructured business and operating models, generating approximately 8% revenue improvement while reducing expenses.
• Established portfolio governance for planning, budgeting, resource allocation, delivery milestones, dependencies, risk, issues, technology investments, and benefits realization.
• Led Agile / Scrum and Lean transformation initiatives across business and technology organizations.
• Supported engineering organizations working with Java, microservices, event-driven integration, APIs, cloud technologies, and modern application architectures.
• Established requirements and delivery-management disciplines using Jira and Confluence.
• Evaluated technology platforms and vendors based on architecture, functionality, integration patterns, scalability, economics, security, risk, and total cost of ownership.
• Led initiatives involving payment processing