Senior Product Manager · Fintech & Healthcare

Products measured in dollars, not features.

I am a Senior Product Manager with more than 10 years of experience building and scaling products in fintech and healthcare technology. My background includes payments, rewards, credit card platforms, compliance with KYC and fraud, API platforms, and data-driven optimization. I have led initiatives that improved revenue growth, streamlined operations, and strengthened risk controls, including launching rewards systems and payout platforms and modernizing financial infrastructure with real-time ledgers. Earlier in my career, I developed B2B healthcare solutions for home health and hospice providers, which gave me a strong foundation in regulated industries. I am known for shipping high-impact products and working closely with technical, legal, and operational teams to deliver scalable solutions that align user value with company outcomes.

Bob Bredin with his family
01

Outcome focused

MetricImpactProduct
$50MARR in the first year, rewards and fintech partnershipsBenjamin
$3k/moNew product revenue per customer, physician e-signatureWorldview E-Sign
75%Drop in physician order turnaround timeWorldview E-Sign
61%Reduction in treasury onboarding processing stepsTreasury Mgmt
60.8%Reduction in payout costs via Venmo and PayPalBenjamin
$0.00Variance reconciled across ~1,023 accountsRecon Agents
90%Fewer paper-based new business applicationsSF Registration
02

Selected work

Outcome-driven case studies across fintech, healthcare, and AI systems.

The Claude PM Operating System — Wedge
Wedge/AI & Automation

The Claude PM Operating System

A persistent AI operating system I designed and then audited: typed memory, a confirmed-rules loop, and a two-pass secrets gate across 100+ files with zero leaks.

0Leaked secrets across all backups, verified against planted test credentials
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Investigation & Reconciliation Agents — Wedge
Wedge/AI & Automation

Investigation & Reconciliation Agents

Traced a $48k reconciliation gap to its source, and proved a separate $5,989.70 exposure was real, growing about 10x, and scoped correctly.

$48,366Gap traced to a specific, named root cause
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The Sanitation Layer — Wedge
Wedge/AI & Automation

The Sanitation Layer

PII is stripped from every dataset before an agent ever sees it. Deterministic hashing preserves every join a check depends on, so sanitized data is exactly as analytically useful as the original.

$0.00April 2026 settlement recon closed, running entirely on sanitized data
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Company Knowledge Base (MCP Server) — Wedge
Wedge/AI & Automation

Company Knowledge Base (MCP Server)

A live production MCP server that turns documented product knowledge into something anyone can query through Claude, in Slack or elsewhere. $0/mo hosting.

13 / 13Unit tests passing before first deploy
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In-App Sweepstakes — Benjamin
Benjamin/Fintech Product

In-App Sweepstakes

A self-funded engagement loop that turned wallet balances into sweepstakes entries, giving users a reason to reinvest instead of instantly withdrawing earned cash.

$13.3kSpin and purchase revenue in November 2025, fully self-funded
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Daily Goals & Payday Pass — Benjamin
Benjamin/Fintech Product

Daily Goals & Payday Pass

A seasonal gamification system built into a live, revenue-generating consumer app, combining daily tasks with a 45-day progression loop and a new virtual currency.

+3.1%Weekly Active Users, week-over-week in one six-week window
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Physician E-Sign — WorldView Ltd
WorldView Ltd/Healthcare & Enterprise

Physician E-Sign

A 0-to-1 e-signature product for physicians and home health agencies that replaced fax workflows and generated $3k MRR per B2B customer.

$3k/moPer customer in new product revenue
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Treasury Management Onboarding — Deluxe
Deluxe/Healthcare & Enterprise

Treasury Management Onboarding

Turned a bespoke, year-long bank implementation into a configurable product, then deployed it at US Bank to bring their treasury onboarding back into compliance.

61%Reduction in processing steps
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03

Career history

March 2026 - Present

Senior Product Manager

Wedge

Building and scaling embedded payment infrastructure and white-labeled commerce experiences, with a focus on seamless user journeys and conversion.

    April 2024 - March 2026

    Lead Product Manager

    Benjamin Capital Partners, Inc.

    A platform for consumers, merchants and gamers to earn cash, called Benjamin Money Moments, by completing daily tasks, playing casual games, viewing content and ads, and making everyday card purchases with cash back. Benjamin will disrupt a number of massive industries, including cash back, gaming, and digital advertising.

    • Led the vision and strategy for rewards features and fintech partnerships, driving engagement and revenue growth with $50M in ARR in the first year
    • Delivered consumer rewards roadmap features including milestone payouts, recommendation models, and daily streaks boosting DAUs, revenue per user, and driving +15% feature adoption with measurable LTV lift.
    • Implemented KYC workflows for withdrawals and onboarding, reducing friction, cutting onboarding time ~20%, and lowering failed verifications by 15%.
    • Led design and implementation of an immutable ledger with Modern Treasury, improving compliance and latency while supporting 100K+ wallet transactions daily.
    • Reduced opex expenses by $80,000/month, equating to nearly $1M in annual savings, without head count reduction
    • Generated $100K+ in monthly ad revenue by optimizing affiliate offer placements and payouts, achieving daily earnings between $200 and $4.5K per offer
    • Increased revenue by 10-20% in direct partnerships by aligning product roadmap with partner priorities and enhancing user-facing integrations
    • Designed a milestone payout system to better match ad-based revenue streams turning financial performance around to generate $3,000+ in daily profit
    • Integrated new payout to PayPal and Venmo achieving a 60.8% reduction in payout costs and a 150%+ increase in contraexpense margins
    • Resolved iOS release rejection by reorganizing homefeed and updating copy, enabling approved updates that drove ~10% revenue lift through improved monetization and renewed visibility
    • Launched a behavior-driven recommendation system, achieving +2.6% lift in DAUs and +3.8% in revenue per user while maintaining retention.
    January 2023 - April 2024

    Product Manager, Director

    First National Bank of Omaha (Bend by FNBO)

    New Product offering for Credit Card as a Service (CaaS) with modern API embeddable co-branded credit products delivered to digital brands and fintechs.

    • Defined and drove the accounts foundation strategy for Bend's multi-brand Credit Card-as-a-Service platform on Marqeta, enabling 10K+ accounts in year one.
    • Implemented risk-reduction workflows with Alloy, Vouched, LexisNexis, and Socure, cutting fraudulent attempts by 20% while maintaining smooth approvals.
    • Led initiatives by collaborating and consulting with key stakeholders including Customers, Credit Risk/Fraud, Onboarding/Implementation, Engineering resulting in a 25% faster partner onboarding cycle.
    • Launched the Teen Credit Builder product for Greenlight, partnering with engineering, compliance, and risk teams to deliver a regulated financial product tailored for families released in less than 6 months
    June 2019 - January 2023

    Director of Product

    WorldView Ltd

    Document management service provider offering secure, Software as a Service (SaaS) Enterprise Content Management (ECM) solutions.

    • Defined and executed the vision and strategy for WorldView's product suite, aligning development with company goals and customer needs to drive adoption and revenue growth contributing to the 10% increase year over year
    • Collaborated cross-functionally with Marketing, Sales, Design, Engineering, and Customer Success to prioritize and deliver high-impact features driving delivery of 20+ new product features annually.
    • Regularly consulted with enterprise clients to gather feature requirements, improve workflows, and tailor solutions to their operational needs capturing requirements from $1M+ ARR healthcare clients.
    • Launched a modernized, mobile-responsive platform that improved physician accessibility, streamlined workflows, and increased adoption across web and mobile channels decreasing the sales life cycle by 10%
    • Launched a 0 to 1 e-Signature product tailored for physicians and agencies, replacing fax workflows and generating $3K in MRR per B2B customer
    • Managed partner relationships by leading quarterly integration and roadmap meetings, aligning vendors on enhancements and long-term strategy supporting integrations across 10+ strategic vendors.
    • Collaborated with the executive team to define company goals, revenue share models, SOWs, and vendor contracts, ensuring alignment between product strategy and business objectives
    • Managed product and development budgets and roadmaps, reducing costs by ~30% through strategic outsourcing to teams in Ukraine and India.
    • Implemented an agile development cycle, introducing sprint planning and retrospectives that improved delivery speed, quality, and cross-functional collaboration accelerating release cadence from quarterly to bi-weekly.
    January 2015 to April 2020

    Sr. Solution Consultant

    Deluxe (Wausau Financial Systems)

    A market share leader in receivables management for commercial banks and major corporations.

    • Consulted with the City and County of San Francisco to design and implement a public-facing New Business Registration Portal, streamlining small business onboarding and improving civic accessibility by 70%
    • Collaborated with stakeholders at US Bank to develop and launch a Treasury Management Onboarding platform, contributing to $2M in new revenue
    • Consulted with multiple banks to architect New Accounts and Loan exception tracking for compliance to replace existing software systems such as LQAS resulting in $250K revenue per sale
    • Developed custom integrations between core banking platforms, third-party systems, and CRM tools to enable seamless data flow and improve operational efficiency increasing data processing efficiency by 40% across client systems.
    March 2013 to December 2014

    Sales Engineer/Solution Architect

    WorldView Ltd
    • Designed and launched a medical records scanning solution, cutting processing time by 90% and contributing to 50% of company revenue.
    • Developed HIPAA-compliant solutions with engineering, sales, and compliance teams, impacting 5 enterprise clients worth $500K+ ARR.
    • Consulted with enterprise clients to design scalable implementations, improving efficiency and reducing onboarding effort by 30%.
    July 2011 to March 2013

    Client Service Analyst

    Fiserv (Payments & Document Management)
    • Advised mid-sized banks ($250M-$5B in assets) on Director system implementation and solution design, ensuring stability and successful adoption.
    • Collaborated with cross-functional teams to architect compliant solutions, delivering 15+ tailored banking workflows and analytic reports annually.
    • Delivered training and support that exceeded SLAs, improving client satisfaction scores by 20%.

    Hastings College

    Bachelor of Arts (B.A.) · 2006 - 2010
    • Business Administration and Management, General
    • Human Resources Management/Personnel Administration, General
    • Health Promotion and Management
    04

    What colleagues say

    Bob helped shape digital services for San Francisco in 2016 - 2018. Using OnBase as his platform he worked with our team to create a behind the scenes solution connecting multiple systems and products but making it seamless to the constituent. He is a wonderful thought partner; sensitive to business needs, innovative, knowledgeable, nimble and humble. This is someone you want on your team. We will miss him in our organization as he moves back into the healthcare space.
    Rebecca Villareal-MayerBusiness Leader - City and County of San Francisco
    I have had the pleasure of working with Bob on several products. He is great at listening to customers and their business challenges, then designing solutions to address those challenges. He also has an excellent ability to clearly describe his product vision and business problems to his product development teams. He is extremely detailed oriented, which allows him to fully think through all aspects of the solution. His attention to detail produces well thought out user experiences, products that address the business needs, and ultimately successful product launches. During the product development phase, he has been flexible working with customers on reducing requirements to minimal viable product to ensure an on time deployment while avoid scope creep. Bob is a very well rounded individual, and hope to have the opportunity to work with him in the future.
    Jeremy BartelsPresident at Astral Innovations, Inc.
    I worked alongside Bob closely during his time at Benjamin, and he was hands down the person I leaned on most. Whenever I hit a wall, he was my first call. Half the time he already had the answer, and the other half he'd just roll up his sleeves and work through it with me until we figured it out. That kind of reliability is rare, and it's the first thing I think of when I think of Bob. What still amazes me is how much he shipped without the quality ever slipping. He owned our rewards roadmap, built out the KYC and onboarding work, and led some of the trickier infrastructure projects that kept us compliant as we scaled. It honestly felt like every release we put out had Bob in it somewhere. If something needed doing, Bob was usually already on it, whether or not it technically fell to him. He made the people around him better, mine included, and he did it without ever making it about himself. I've worked with a lot of talented product people, and Bob sits right at the top of that list. Any team would be lucky to have him, and I'd jump at the chance to work with him again.
    Joe EckProduct Marketing Leader | AI-Driven GTM & Growth | Fintech & Marketplaces | Go-to-Market, Lifecycle & Storytelling | Former PayPal, Equifax, Super.com
    05

    Certifications

    06

    Tools & stack

    Product Management Tools
    JiraPivotal TrackerAzure DevOpsFigmaProductBoardAha!MiroLucidVisioDraw.ioConfluencePostmanStoplightswagger.ioMuleSoftTestFlightSkypeTeamsSlack
    Analytics
    Azure CosmosSnowflakeMS SQLOracleFirebaseHexStatsig
    CRMs
    SalesforceHubSpot
    Office Suites
    Full MS and Google Office SuitesDocumentsSpreadsheetsPresentationsSharePoint
    Technology
    C#.NETVB.NETVB ScriptJavaScriptjQueryBatchSQLHTMLJSONXMLFixed LengthCSVYAMLHyland OnBaseKofaxFileBoundInfoAccess
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