Carlos Arias

Building a next-generation Debt Settlement & Credit Analysis Platform that leverages AI technology to revolutionize how credit data is analyzed, standardized, and reported across the debt settlement and financial services industries. Responsible for the full-cycle SaaS development, including: • Engineering and infrastructure design of the CreditPull Engine platform. • Integration with major credit bureaus (Equifax & TransUnion) for real-time credit retrieval and unified JSON reporting. • Development of AI-driven credit analysis tools for debt settlement agents and compliance teams. • Implementation of secure data workflows aligned with HIPAA, SOC 2, and PCI compliance standards. • Overseeing cloud architecture, API integrations, and data retention protocols for regulatory adherence and performance optimization.

I’m a Full Stack Software Engineer and Digital Marketing Strategist with over 25 years of experience building scalable platforms and growth-driven solutions. I've worked with startups, enterprise companies, and government agencies, bridging the gap between code, business, and user experience. In recent years, my focus has shifted toward AI Engineering. I’m actively building and deploying applications using Generative AI, Large Language Models (LLMs), RAG pipelines, vector databases, and embedding models. I’ve integrated AI into real-world platforms for fraud prevention, identity verification, content optimization, and automated decision-making. Whether it’s developing SaaS platforms, launching SEO-driven content engines, or integrating OpenAI and custom AI workflows, I bring both technical depth and product intuition to every project I take on.

I inherited the Digital Marketing position for CreditGuard which is a sister company of GNUSA, I was involved in creating a marketing strategy to help the Debt Consolidation business generate more leads, build out their website, and landing pages to help increase conversions and drive more call into their call center. • SEO Strategy: Built a SEO Strategy, and increased organic traffic by 35% and improved lead generation. • Email Marketing: Designed & Launched email strategy with up to 70% open rate • Link Building: Created link building strategy with overseas team to launch link building, and partnerships. • Affiliate Management: Created affiliate marketing plan to attract affiliate marketers to work with CGA. • racking & Metrics: Integrated Google Analytics & Search Console for in-depth performance tracking. • Website Optimization: Managed Wordpress SEO, Keyword Analysis and Audits, executed A/B Testing • PPC Management: Collaborated with external marketing team for PPC Management, also implemented • • PPC Strategy by lowering CPA by 70% and increased lead conversion by 30% • Managed PPC campaigns across Google, Bing, Facebook, ensuring seamless SEO-PPC synergy. • Designed & Optimized Funnel & Landing Pages that help increase lead generation, and convert leads by 26%

I was brought on to help build a SaaS Platform and maintain legacy code for GNUSA / CreditGuard of America. I was involved in engineering and taking their concept of a SaaS platform for credit reporting to market. I was involved with MVP, and Product launch of their GNUSA SaaS platform and helped grow the platform to generating over $1 Million ARR. • Third-Party API: Integration and payment gateways to enhance website functionality and user experience. • Database Admin (DBA): I Managed Security of Databases, Designed ERDS, DB Restoration, and Compliance. • PHP Development: Developed and maintained scalable PHP applications with complex API integrations. • WordPress Development: Customized themes, built plugins, and optimized performance for high-traffic sites • Communication: Communicated with shareholders on the status and budget spending on the projects. • Project Management: Managed multiple development projects, ensuring on-time delivery within budget • Team Leadership: Led overseas development teams, coordinated implementation of new platform features • Security & Compliance: Implemented data protection measures and ensured database integrity. • Equifax & Transunion: Integrated Credit bureaus into GNUSA SaaS application • SaaS Development: Architected & Engineered GNUSA SaaS Application for the Credit Reporting Industry • Customer Management & Support: I managed the client onboarding, management into the SaaS Platform

The Gypsy Nurse is a leading online platform for travel nurses and healthcare professionals, offering a comprehensive job board with thousands of positions from over 60 agency partners. The platform provides valuable resources, articles, and guides on travel nursing essentials, fostering a vibrant community through social media, forums, and events like TravCon. • As Fractional CTO, I led the company's technological initiatives by: • Overseeing development processes and implementing an agile project lifecycle • Managing the overall technology infrastructure, including email and cloud servers • Collaborating closely with executives to align technology strategy with business goals • Focusing on cybersecurity, code quality, and the integration of new technologies • Mentoring the technical team and managing vendor relationships • Overseeing the technology budget and ensuring efficient resource allocation This role allowed me to apply my expertise in healthcare technology to a unique niche within the industry, driving innovation and growth for this dynamic platform serving travel nurses across the country.

The preeminent web-based health insurance broker in the United States. Recognized for pioneering advancements in the healthcare industry, HealthCareForYouNow.com enabled consumers to qualify for Obamacare Health Insurance, Short Term Medical Plans, and seamlessly shop for private insurance via a government-sanctioned marketplace. My role as the Chief Technology Officer was work build a team of developers and designers to build out the platform, I was involved from the ground up to make the Marketplace platform for qualifying and allowing consumers to purchase health insurance online. I worked closely with HealthCare.gov in implement their technology into our platform and ensured the quality and security of our platform. I was involved in raising over $1MM for the project through various foundation to build out the marketplace and also met with the directors at HealthCare.gov. Key Responsibilities and Achievements: • Spearheaded the architecture and development of the comprehensive online Marketplace platform, facilitating the qualification and purchase of health insurance for consumers. • Led a robust team of developers and designers to design, develop, and optimize the platform. • Established and maintained a collaborative relationship with HealthCare.gov, integrating their advanced technologies into our platform. • Upheld stringent standards ensuring platform quality, security, and data integrity. • Successfully procured over $1 million in project funding from various foundations. • Conducted high-level meetings with executive directors at HealthCare.gov, reinforcing the partnership and collaboration.

In 2012, I founded and developed LocalSalons.com, a pioneering marketplace tailored for salons, spas, and other beauty services. Driven by the positive feedback and increased sign-ups from salon owners, I enhanced the platform by incorporating a sophisticated search algorithm and online booking functionalities, enabling business owners to prominently position themselves in their local market. By September 2013, a refined version was launched, reflecting these advancements. Under my leadership, LocalSalons not only experienced exponential growth in traction and revenue but also expanded its horizons by onboarding agents for selling salon listings and advertising spaces. Designed with a vision to seamlessly connect beauty professionals with potential clients, the platform empowers business owners to effectively market their expertise and expand their clientele. In 2016 I was able to sell the platform to an interested buyer that was involved in the beauty industry. The domain is still under name, the buyer was only interested in the platform that i had developed and the database of 700,000 Salons.

Netwide Media Group - A comprehensive Web Development and Marketing Agency. I joined on a 6-month contract, tasked with team-building and process enhancement. I spearheaded recruitment, bringing on board elite designers and developers, and strategically structured a team poised for rapid and efficient website design and development. My oversight extended to ensuring development and marketing projects remained on schedule and within budget. Furthermore, I integrated services that bolstered the company's operational efficiency, simultaneously driving down overhead costs, maximizing profits, and maintaining client satisfaction.

AmericanBanCard hired me back on to manage the development of their new brand TouchSuite, I designed the TouchSuite logo and branding. TouchSuite now uses my branding for all their marketing collateral. I redesigned and re-developed their website to match the new branding and approach of the company. Once that project was completed, I was then assigned to develop a platform for their sales team to increase productivity, along with helping the marketing team with technical marketing efforts. I design and developed a platform that allows agents to efficiently process sales over the phone with customers. The system was developed using PHP / MySQL and Bootstrap Framework, with CSS 3 and JQuery. The shopping cart is custom made, and allow for flexibility in customizing products specifically for the client. The application process takes tedious work from filling out Merchant Application and Leasing Application of combined 250 fields and 30-40 minutes of questions to a simple 10 minute process. The Merchant and Lease application are submitted through digital signature provider DocuSign to be sent to the customer. I also coded in IDology API that allows the agent to verify the identity of the client with simple security questions. I aslo coded in Equifax API for credit reporting, which allows the agent to get the customer’s credit report that will automatically adjust the pricing of the system, based on the result of the credit score. Overall before this system agents would take 1-2 hours filling out applications, faxing, fixing mistake etc.. I increased productivity by 70%

American Bancard a growing merchant processing company was looking to expand their services to Canada. I was involved with hiring the right team marketing and web development team for the Canada division. With my supervision my team and I designed, strategically planned and implanted a marketing campaign for Merchant Services in Canada. We developed and launched 3 websites, managed search engine optimization, internet marketing and traditional marketing tactics to track and sales, within 6 months. We were ranked #1 in search engines for Merchant Services, Credit Card Processing for Canada search engine results.

Marketing and Business