From financial inclusion to fintech card programs — building products that matter.
I’m Juan Wiley. I’m VP of Card Products at Cross River Bank, where I oversee the card issuing, payments, processing and BIN sponsorship products that fintech companies use to run their card programs.
Before Cross River I spent more than a decade at Mastercard — across global prepaid, humanitarian & development programs, North America credit strategy for large banks and co-brand partners, and regional product roles covering Mexico, Central America and the Caribbean.
The work
My career in payments has covered Prepaid, Debit, and Credit Card solutions across different segments and geographies — regional programs in Latin America, global humanitarian initiatives in Sub-Saharan Africa and Southeast Asia, and North America consumer credit for large banks and co-brand partners. Working on products that partners and financial institutions offer to their own customers.
AI in practice
On nights and weekends I build and run consumer products with AI. SGOAT, a daily music draft game, is written with Claude Code, drawn with fal.ai, scored with ElevenLabs, and run day to day by agents posting through Buffer, with me approving what goes out. Novélon puts the same setup behind an animated series. It keeps me precise about where AI adds real value and where human judgment still has to lead.
Latest writing
393 Days
A six-part account of what happened after a layoff — 393 days, 256 applications, and what I learned about the job market, myself, and what I actually wanted on the other side of it.
Read the series →