Aaron Wilkinson

The internal operating system for customers, payments, and finance.

Six production apps shipped, a Microsoft Fabric warehouse stood up, and a 12-month platform roadmap authored from scratch, starting as a one-person data department inside finance and growing into the platform that customers, payments, and money all run through.

Client Financial Package (a 24-view React app simulating P&L, balance sheet, cash flow, breakeven, and ODE across five client profiles), Business Services Customer View Hub, Fabric NL Query App (natural language to T-SQL on Azure Functions), a Fabric-to-Google Sheets sync pipeline, and the QBO Categorizer for programmatic chart-of-accounts work.

A consumer underwriting model from zero for a credit union BNPL platform.

Came in as a contractor, converted to full-time, and architected the underwriting system that decisions debit-card transactions in real time and offers an installment loan at the point of sale. Designed the repayment-ability algorithms, then built the data mappings to five separate core banking systems to make the model work in production.

This is where I traded “advisor who builds spreadsheets” for “PM who reads JSON between Kubernetes pods at midnight.”

Three years independent, teaching myself the stack.

Product, finance, and data consulting for small businesses and early-stage technology firms, while learning SQL, Python, and data architecture on client problems instead of tutorials. The last engagement was a three-month contract to lay the foundation of equipifi's consumer underwriting platform. It converted into the full-time role.

Building a book from scratch, then advising as a fiduciary.

Selected for Merrill Lynch's Practice Management Development program and passed the Series 7, 66, and 63 during training. Built a client book from zero, running financial reviews and investment recommendations for individuals and households. Moved to Empirical Wealth Management, a fee-only RIA serving high-net-worth families, where the work was planning, portfolio construction, and translating firm strategy into a plan one household at a time.

Where I learned how money actually moves.

Three roles in four years across Alaska. A rotational management program in branch operations, lending, and deposits; a loan officer desk in Soldotna underwriting and closing consumer and small business loans; then running the Sitka branch outright, with staff, lending, deposits, customer experience, and local market growth all on one desk. Everything I build now about customers, payments, and money traces back to this.