# Ashley Karr > Fraud & Risk Systems | Payments & Financial Platforms | Product Strategy | Human Behavior in Complex Systems (ex-JPMorgan, Apple, T-Mobile) Location: Fremont, California, United States Profile: https://flows.cv/ashleykarr I specialize in how fraud and risk emerge within complex digital systems — particularly in payments, financial platforms, and enterprise infrastructure. My background spans JPMorgan Chase, Apple, T-Mobile, and Oracle, where I’ve worked across fraud prevention, payments systems, and large-scale digital platforms used by millions of customers. I focus on the intersection of system design, operational workflows, and human behavior — where most real-world fraud actually occurs. At JPMorgan Chase, I worked on business banking platforms supporting ACH, Positive Pay, and fraud prevention systems, translating behavioral research into product and risk strategy that improved detection and reduced fraud exposure, blocking $2.8B in fraudulent transactions in one fiscal year. At Apple, I supported intellectual property enforcement systems used to investigate global counterfeiting networks contributing to a single $9M takedown. Across roles, I’ve partnered with product, engineering, risk, and compliance teams to improve how systems detect, prevent, and respond to fraud. I’m particularly interested in roles that sit at the intersection of: • Payments and financial systems • Fraud, risk, and trust & safety • Product strategy and system design • Human behavior and adversarial environments Currently focused on fraud prevention, payments risk, and trust & safety systems — including ongoing work as a Certified Fraud Examiner (CFE) candidate. ## Work Experience ### Product Design Consultant - Payments @ T-Mobile Jan 2025 – Jan 2026 | Remote Led product improvements for T-Mobile for Business enterprise platforms, focusing on business portal infrastructure, payments workflows, reporting systems, and financial reconciliation tools used by enterprise customers. Focused on payments workflows, billing systems, and financial reconciliation tools within enterprise platforms. Conducted research and systems analysis to identify usability and operational bottlenecks across digital infrastructure supporting telecom account management and billing workflows. Collaborated with product, engineering, and operations teams to redesign key workflows improving clarity, efficiency, and reliability of business-critical enterprise software systems. Embedded consultant supporting T-Mobile for Business enterprise platform initiatives. ### Product Design Consultant - Intellectual Property Enforcement @ Apple Jan 2025 – Jan 2025 | Sunnyvale, CA Led product design for Apple’s Office of the General Counsel (OGC), modernizing the internal Intellectual Property Enforcement (IPE) platform used to investigate global IP theft and counterfeit goods networks. Supported investigative and enforcement systems designed to detect and prevent large-scale fraud and counterfeit goods networks. Conducted a full platform audit and stakeholder interviews across legal, enforcement, and operations teams to identify workflow bottlenecks in evidence intake, investigation management, and case tracking systems. Redesigned investigative workflows, introducing role-based dashboards and improved evidence submission pipelines to support cross-team collaboration and large-scale enforcement operations. Work contributed to improved case tracking accuracy and operational coordination with customs and legal agencies, including enforcement actions leading to a $9M counterfeit goods seizure. Embedded consultant supporting Apple’s global intellectual property enforcement operations. ### Vice President – Payments & Fraud Protection (Product Strategy & Research) @ JPMorgan Chase & Co. Jan 2022 – Jan 2024 Led product strategy and research for business banking fraud prevention systems, including ACH controls, Positive Pay, and transaction monitoring tools used by millions of customers. Worked across products including ACH, Positive Pay, Reverse Positive Pay, and other financial protection tools designed to detect and prevent payment fraud across the bank’s digital channels. Translated large-scale behavioral research into product strategy and risk mitigation improvements, contributing to fraud prevention systems that blocked approximately $2.9B in fraudulent activity. Partnered closely with Product, Engineering, Risk, and Compliance teams to improve usability and operational clarity of financial protection systems while maintaining strict regulatory and security requirements. Influenced product roadmaps and enrollment strategy, helping increase adoption of fraud protection services by 18–74% across multiple product lines. Led research and concept testing for a multi-year AI strategy for Business Banking, managing an embedded Accenture research and design team to explore how machine learning and AI systems could be incorporated into fraud detection, customer insights, and financial operations workflows. Synthesized research findings into a five-year strategic framework for integrating AI capabilities into JPMorgan Chase Business Banking platforms, informing internal product and innovation planning. ### User Research Manager, Payments & Corporate Cards @ BILL Jan 2022 – Jan 2022 | Santa Clara, CA Led user research for B2B payments and corporate card products at Bill.com, including Divvy’s spend management platform. Focused on how financial incentives, controls, and product design influence business spend behavior, adoption, and retention. Worked cross-functionally with product and business leaders to inform product strategy, positioning, and customer experience across corporate card and payments workflows. Developed a deep understanding of how SMB and mid-market companies evaluate and use financial tools in practice. ### Enterprise Cloud Strategy Program Manager @ Oracle Jan 2017 – Jan 2022 | Seattle, WA Led customer research and product strategy initiatives for Oracle’s enterprise cloud platforms, working directly with large enterprise clients to understand operational challenges in cloud infrastructure, billing systems, and multi-cloud environments. Directed large-scale research programs with Fortune 500 customers to identify platform gaps and opportunities across Oracle Cloud services, translating enterprise feedback into product roadmap priorities. Co-led Oracle’s most interactive Customer Advisory Board (CAB), facilitating real-time discussions with enterprise technology leaders and converting customer insights into platform improvements and long-term strategic planning. Research insights informed major product initiatives including cloud billing system redesigns, improvements to technical documentation, and cross-cloud integrations such as Oracle Database on Microsoft Azure. Worked closely with product, engineering, and enterprise account teams to improve usability and operational clarity of complex cloud infrastructure platforms serving global enterprise customers. ### Product Lead - Designer Tools & Platform Strategy (Adobe XD) @ Adobe Jan 2016 – Jan 2017 | San Francisco Bay Area Contributed to product strategy and developer adoption initiatives for Adobe XD, working with product and engineering teams to understand how professional designers and product teams evaluated emerging design tooling platforms. Participated in Adobe Live programming and community engagement efforts to demonstrate real-world product design and research workflows using Adobe XD, helping translate complex product capabilities into practical workflows for professional teams. Provided product insight and practitioner credibility for Adobe XD’s positioning within the professional UX tooling ecosystem, bringing experience from enterprise software, financial systems, and large-scale digital infrastructure projects. Shared applied product design and research practices with the global Adobe community while helping product teams understand how experienced practitioners evaluate design tooling platforms in real production environments. ### Product Strategy & Research Lead - Enterprise SaaS Platform @ Smartsheet Jan 2016 – Jan 2017 | Bellevue, WA Led product research and strategy initiatives for Smartsheet’s enterprise SaaS platform, focusing on monetization systems, upgrade flows, and product-led growth ahead of the company’s IPO. Directed end-to-end research and product strategy for upsell and plan migration systems tied to new enterprise features, contributing to a 3× increase in customer upgrades and record revenue growth. Worked closely with executive leadership including the CEO, CFO, product managers, and engineering teams to align product strategy with the company’s pre-IPO growth objectives. Conducted large-scale mixed-methods research programs to identify customer behavior patterns and optimize monetization workflows across the platform. Research insights helped inform product improvements that contributed to Smartsheet’s successful $150M IPO. ### Lead Instructor - User Experience Design @ General Assemb.ly Jan 2013 – Jan 2016 | Seattle, WA Led immersive UX design and research instruction for General Assembly’s flagship design program, teaching applied product design, usability research, and human-centered systems thinking. Mentored over 200 students transitioning into UX and product design careers, teaching frameworks such as design thinking, heuristic evaluation, and research-driven product development. Contributed to curriculum development aligning the program with real-world industry practices, helping prepare students for roles at companies including Google, Microsoft, and Disney. Instructional programs emphasized practical product development workflows including user research, prototyping, usability testing, and cross-functional collaboration. Program success and industry placement outcomes contributed to General Assembly’s growth and eventual $412.5M acquisition by Adecco Group. ### Product Research Consultant - Mobile Banking & Payments @ Green Dot Corporation Jan 2012 – Jan 2013 | Pasadena, CA Led the company’s first large-scale mobile banking usability research program, helping establish research-driven product development for Green Dot’s rapidly growing fintech and prepaid banking platform. Designed and executed Green Dot’s first end-to-end mobile banking usability study, identifying critical friction points across direct deposit, payroll, and account onboarding systems. Research insights informed product improvements that increased direct-deposit enrollment by 30% while reducing payroll and check fraud through improved identity verification and account-linking workflows. Partnered with product, engineering, risk, and compliance teams to integrate user-centered security controls into mobile banking and payments infrastructure. Collaborated with federal law enforcement, including the FBI, to analyze fraud patterns and help identify financial crime networks exploiting prepaid and reloadable card systems. Established repeatable research frameworks for evaluating mobile banking, payments security, and digital onboarding systems. Conducted research on mobile banking and prepaid financial systems, identifying fraud risks in onboarding, identity verification, and transaction flows. ### Research Scientist - Human Factors & Health Systems @ Department of Veterans Affairs Jan 2011 – Jan 2012 | Iowa City-Cedar Rapids Area Conducted human factors research within the Veterans Health Administration focused on improving healthcare systems, patient safety, and clinician workflow. Led usability studies, field research, and workflow analysis evaluating clinical decision-support tools, electronic medical record (EMR) systems, and emerging telehealth technologies used across VA hospital networks. Applied systems engineering and cognitive psychology principles to identify sources of clinical error, reduce task complexity, and improve clinician performance within high-stakes healthcare environments. Coordinated multi-disciplinary research initiatives across clinicians, engineers, and health IT teams—effectively program managing studies informing telehealth and digital health infrastructure. Research findings informed product recommendations and operational policy decisions across Veterans Affairs healthcare systems. ## Education ### Bachelor's degree in Anthropology UCLA ### Master's of Science in Human Factors and Systems Engineering Embry-Riddle Aeronautical University ### Professional Certificate in Finance Emory University Center for Lifelong Learning ### Study Abroad in Spanish Language and Literature Universidad de Granada ## Contact & Social - LinkedIn: https://linkedin.com/in/ashleybrookekarr --- Source: https://flows.cv/ashleykarr JSON Resume: https://flows.cv/ashleykarr/resume.json Last updated: 2026-04-13