# Frank Edwards > UX & UI • Product Design Lead @ EarnIn • 10+ Years of Experience • ex M1 Finance, Varo Bank, JPMorgan Chase, Visa, and Expedia Location: San Francisco Bay Area, United States Profile: https://flows.cv/frankedwards I am a results-driven UX/UI product designer lead with over 10 years of expertise in creating user-centric experiences in collaboration with Product, Engineering, and other partners. Highly skilled in using research, data, and design thinking to create experiences that empower users and achieve business goals. Player and coach who sets high standards for the team and is ready to lead by example by executing hands-on design work. I also enjoy mentoring and coaching others, using my years of experience to provide guidance and support. Effective communicator who can influence decisions at all levels of the organization to support user needs. Advocate for design systems who is experienced in their creation and implementation. ## Work Experience ### Product Design at Earnin @ EarnIn Jan 2025 – Present | Mountain View, California, United States ### Founder • Small Business Owner @ Keystickers LLC Jan 2023 – Present | San Francisco, California, United States As a lifelong dreamer, I’ve always had a myriad of business and product ideas. Unfortunately, these ideas remain confined to the pages of my notebook. In 2023, I decided to break free from this pattern and embark on a personal challenge: to transform one of my fifty ideas into a tangible business. From that Keystickers was born. ### Product Design Lead @ M1 Jan 2023 – Jan 2025 | San Francisco, California, United States Senior-level individual contributor focused on launching and improving user experience for Personal loans and money movement. As well, as an active contributor to the design system. Designed the user experience and user interface for iOS, Android, and Web platforms. • Launched Personal Loans Direct experience in late 2023, allowing customers to apply for personal loan directly and making the product more competitive in the marketplace. • Redesign ACH Transfer experience which improved the discoverability and user experience. • Design system contributor ### Product Design Manager @ Varo Bank Jan 2021 – Jan 2023 | San Francisco Bay Area Promoted to oversee the design of banking, credit, and money movement products on both native and web platforms. Managed a team of 5 designers, providing creative direction, managing resources, and supporting their career development. Involved in hands-on product design work when necessary. • Launched Zelle in 2022-2023, allowing customers to transfer money instantly, which had an impact of $3.70 ARPU per TA and a ~7% increase in direct deposit enrollment. • Redesign the Perks page by improving the discoverability of discounts and offers for customers, while also updating the UI to the new design system. • Revamped Critique process for the product design team and facilitated weekly sessions. Collaborated with other design leaders to create Design Principles for the product design team. ### Principal Product Designer @ Varo Bank Jan 2020 – Jan 2021 | San Francisco, California, United States Hired as a senior-level individual contributor and managed 3 designers. Provided creative direction, managed resources, and supported career development. Focused on designing banking, credit, and money movement products for native and web platforms. • Developed and applied a new design system for native and web platforms. • Launched the Believe Credit Card, Varo's initial credit card and credit-building offering, resulting in an average credit score increase of 42 points for customers who made timely payments for 3 months. • Platform migration - Provided design support in transferring the banking system from the sponsor bank to Varo's internal systems. ### Lead Designer @ Chase Jan 2018 – Jan 2020 | San Francisco, California Lead Designer of Chase's money movement products on native platforms (Android and iOS). Managed a team of 7 people, overseeing their work, managing resources, and helping with their career development. • Launched “Single Door” on the mobile app that simplified customers' money movement experience and decreased costs by reducing the need for physical checks and promoting digital alternatives. • Expand Zelle (formerly QuickPay) feature set to include request and split which enabled customers to move money instantly between family and friends. • Design with Data Report - Self-initiated project with my team to analyze the qualitative and quantitative aspects of mobile check deposits and peer-to-peer money sending. The project aimed to empower and develop their skills in UX research. ### Senior Staff Designer @ Visa Jan 2017 – Jan 2018 | San Francisco, California Senior-level individual contributor for Visa Checkout. Focused on improving customer experience and expanding the adaption of the product by banks and users. Designed the user experience and user interface for iOS, Android, and Web platforms. • Visa Checkout - Led early efforts that changed the experience to a card-centric model and as well, enabled the provisioning of a card that was incorporated into the issuing bank’s onboard experience. • Implemented a new Design System in the Visa Checkout experience. ### Principal Designer @ Expedia Group Jan 2015 – Jan 2016 | San Francisco, California Principal desPromoted to lead a team of4 individuals and managed their daily activities, provided creative direction, managed resources, and mentored them. The main focus was on designing products for Hotwire's Android and iOS apps. Additionally, organized workshops to enhance the customer experience and develop innovative product features. • Redesign iOS and Android Homepage - Created a dynamic homepage for the mobile app that adapted to the user's booking or travel progress, providing relevant information and enhancing the overall experience. • Redesign Results experience by combining Hot rates and retail rates hotel listings into one, making it easier for customers to compare options. This led to a 6% increase in purchase rates, a 7.5% increase in quarterly profit, and more bookings for retail rates.igner for native apps at Hotwire. Oversee UX/UI design of iOS and Android apps. ### Senior UX Designer - Android @ Expedia Group Jan 2014 – Jan 2015 Senior UX Designer for Android app at Hotwire. ### Senior UI designer - Android @ Expedia Group Jan 2013 – Jan 2014 | San Francisco Senior UI Designer for Android app at Hotwire. ### Senior UI Designer @ Expedia Group Jan 2012 – Jan 2013 | San Francisco Bay Area Senior UI Designer for website Hotwire & CarRentals.com ### Senior UX/UI Designer @ Bank of America Jan 2011 – Jan 2012 | San Francisco Bay Area ## Education ### BA in Art Studio University of California, Davis ## Contact & Social - LinkedIn: https://linkedin.com/in/frank-w-edwards - Portfolio: https://frankedwards.org - Behance: https://www.behance.net/frankedwards --- Source: https://flows.cv/frankedwards JSON Resume: https://flows.cv/frankedwards/resume.json Last updated: 2026-03-25