Bank executive · technologist · AI engineer

The banking perspective your core vendor is missing.

AI is changing who can create banking software—and how quickly. I am exploring what becomes possible when decades of banking experience, core knowledge and software development are combined with modern AI engineering.

Can everyone do this? No. AI alone is not enough. You need broad banking and operational experience. You need to know where the data lives and how to access it. You need to understand what the bank and its employees actually need. You also need software development discipline and the ability to engineer effectively with AI.

I bring all of those capabilities together: 35+ years of bank operations and IT leadership, hands-on development experience, deep knowledge of bank data and modern AI engineering. That combination can help close the gap between a banker’s problem, a product roadmap and a working solution.

Today: I am using that combination to move ideas into working banking software in hours when the scope allows.

This development model deserves attention. It starts with a real banking need, works with the underlying data and can move rapidly toward a usable product—while preserving the judgment that only experience provides.

35+ years in banking Active bank EVP & CIO AI-developed systems
Banking Insight · Core Knowledge · AI Execution
AI-developed banking applications Operations · Governance · Analytics · CRM
Real-time SilverLake System® core access JHA SOAP · APIs · Microservices · .NET / Blazor
On-premisesBank environment
HostedCore services

The game changer: software that can securely access the Jack Henry® SilverLake System® core processing solution in real time

A product advantageBanking expertise that can become better products.
35+Years in banking
Bank EVP & CIOOperations + IT
BuilderTraditional + AI engineering
The game-changing development

SilverLake System core access—in real time.

I can now engineer modern applications that securely access the SilverLake System core as banking activity happens, not hours later through a batch process.

At the center is my Microservice API, which integrates the JHA SOAP calls and gives modern applications a cleaner way to communicate with the SilverLake System core. That bridge is a game changer for what I can build: real-time inquiry, real-time CRM, loan stress testing, profitability tools and new operational workflows working with current core information.

Many legacy and vendor-provided applications still depend on delayed, batch-oriented information. A reusable microservice layer changes that model by making real-time core access available to purpose-built software.

What I’m working on next

Redesigning the workflow experience with “Tasks.”

We currently use the Jack Henry Workflow™ solution. My next plan is to use my Microservice API to reimagine how core-connected workflows can work through an experience I am calling “Tasks.”

Rather than simply recreating a fixed, step-by-step workflow, Tasks will be interactive applications that respond to users and real-time core information. They can be AI-engineered in a fraction of the time it would take to build a traditional workflow manually, while looking and behaving like a natural part of the core experience.

This is no longer a roadmap concept. The integration is working, and it opens the door to an entirely new class of core-connected software.

Live core connection
Core platformSilverLake System core
Secure integrationJHA SOAP · APIs · Microservices
Modern application layerInquiry · CRM · Analytics · Tasks

Current core data. Modern experiences. Built at AI speed.

Selected AI-developed systems

Proof that I can turn banking problems into working products.

Each system began with a need I recognized through banking and technology experience. The portfolio demonstrates my ability to identify the opportunity, understand the data, design the workflow and engineer a practical solution.

Audit Tracker

A focused system that does an exceptional job of tracking audit findings, ownership, progress and resolution from identification through closure.

Findings · Ownership · Resolution

ComplaintTracker

A customer-complaint tracking system that brings complaints, follow-up, ownership and resolution into one accountable process.

Complaints · Follow-up · Resolution

Ticketing system

A practical internal ticketing system that improves visibility, assignment and accountability for issues and service requests.

Requests · Assignment · Status

Vendor management & TPRM

A vendor management system that integrates third-party risk management into one coordinated view for stronger oversight and accountability.

Vendors · TPRM · Oversight

Project management

A practical project management tool for organizing initiatives, ownership, tasks, milestones and status in one clear workspace.

Projects · Tasks · Milestones

AI governance

A purpose-built system for governing AI use, documenting decisions and creating the oversight banks need as adoption accelerates.

Responsible innovation

Enterprise risk management

An ERM system that organizes risks, controls, assessments and reporting into a practical management framework.

Risk · Controls · Reporting

Risk Assessments

A structured system for creating, completing and tracking risk assessments, bringing risks, controls, ratings and follow-up into one consistent process.

Assess · Rate · Monitor

Real-time SilverLake System access

A secure integration foundation that allows modern applications to access data from the SilverLake System core in real time.

The game changer

Real-time inquiry & CRM

Core-connected inquiry and CRM applications that put current SilverLake System information into a modern, usable experience.

Live core intelligence

Enhanced loan stress testing

An enhanced stress-testing program that turns loan and portfolio data into clearer scenario analysis, risk insight and management reporting.

Scenarios · Risk · Portfolio

Enhanced loan profitability

An enhanced profitability program that transforms lending data into actionable pricing, performance and decision-making insight.

Pricing · Performance · Insight
The experience behind the engineering

I developed software the old-fashioned way. Now AI has changed what is possible.

I am an active bank EVP and Chief Information Officer with more than 35 years of experience across bank operations and IT. I have also been developing software for years—designing, coding, testing and deploying applications long before AI entered the development process.

Before AI, I created a complete online banking system for a startup company. It was an ambitious, highly capable application built through traditional software development. That experience gave me the technical foundation to recognize what AI can accelerate—and the judgment to know whether the result is actually good software.

That foundation matters. AI does not replace banking judgment or software discipline—it amplifies them. Today I can engineer useful, sophisticated banking software faster and better than I could have ever imagined.

I can help a core vendor see what bankers need, translate that need into a product and help move it from idea to working software.

Bank operations35+ years of practical banking experience
Information technologyActive bank EVP and Chief Information Officer
Software developmentYears of hands-on development, including a pre-AI online banking system
AI engineeringModern development with .NET, Blazor, APIs and microservices
Beyond banking software

Games, a song and a book—created for my grandchild.

I also built a separate site to share the games, song and book I created for my grandchild. It is a different kind of portfolio, but it reflects the same curiosity, creativity and drive to turn ideas into experiences people can enjoy.

Visit the Games Site
Build Video 01 Watch the build

Vibe Code Your First App

This employee polling application took approximately two minutes to build. The video demonstrates how quickly an idea can become a working application when development knowledge and AI engineering come together.

Watch on YouTube
Where this experience could create value

Connecting the bank, the roadmap and the build.

Core vendors and fintechs already have talented teams and powerful platforms. A perspective grounded in daily bank operations, core data and hands-on development can help those resources focus on the right problems and reach practical solutions faster.

The product challenge

  1. Product teams can be removed from daily bank operations
  2. Legacy architecture can make meaningful change slow
  3. Broad roadmaps may miss urgent customer problems
  4. AI initiatives can lack banking and data context

What this perspective adds

A rare combination
  1. Identify product opportunities through first-hand banking experience
  2. Translate operational problems into practical requirements
  3. Prototype and validate ideas in hours or days when scope allows
  4. Bridge legacy cores with APIs, microservices and modern applications
  5. Bring credibility to conversations with bank executives and users
For core vendors, fintechs & banking technology companies

How could CommunityBankSoftware.com help your company improve?

Major technology vendors already have talented product and development teams. CommunityBankSoftware.com can complement those teams with a perspective that is difficult to reproduce internally: current bank operations, executive IT leadership, core-data knowledge, traditional software development and hands-on AI engineering.

Together, we could identify product gaps, improve existing applications, validate new ideas quickly and create banking technology that better reflects how banks and their employees actually work.

Product & roadmap improvement Bank-side advisory perspective Rapid prototyping & validation Core & API integration AI product development Modernizing existing applications
Discuss improvement opportunities
Email: kevin@communitybanksoftware.com You can also find me on LinkedIn.