Résumé

Brandon Wilhoite

Tempe, AZ · blwilhoite@gmail.com · +1 480 330 7138 · Authorized to work in the US for any employer

I turn ambiguous problems into models, frameworks, and systems that ship in regulated environments.

$10M+Citi investment following risk-analytics POC
$80M+Portfolio managed — Meta's receivables program
$1M+Annual vendor-cost savings, renegotiated
1,000×Portfolio participation increase (AvidXchange)
PatentCo-inventor — USPTO US-20220076330-A1
FinalistCrypto Valley Startup of the Year 2023 (EnkiFi)

Professional Experience

Data Scientist (Contract)
Starmoire / Valuette
January 2026 – June 2026
Fintech · ML
  • Designed and trained a machine learning model to recognize brand, material composition, trend signals, and seasonality in consumer resale items; translating those signals into dynamic, real-time pricing recommendations for an in-app marketplace with no prior pricing infrastructure.
  • Built the model to identify hype-cycle timing and item condition signals, enabling sellers to receive optimal sell-timing recommendations rather than static price suggestions.
  • Designed and deployed analytics dashboards covering user behavior, app performance, and marketing data to give product and growth teams a single source of truth.
  • Enhanced the company's foundational data infrastructure — there was only a basic analytics stack prior to this engagement.
Founding Design Consultant (Contract)
Stealth Startup — Layer 1 Blockchain
June 2025 – December 2025
Protocol · Web3
Details limited; protocol is under active patent review.
  • Designed a novel Proof-of-[redacted] consensus mechanism that uses unique gaming activity (rather than computational work or staked capital) as the basis for blockchain validation, built as retrofittable backend infrastructure any gaming service could plug into, from mobile and web titles through AAA console and PC.
  • Designed the protocol's tokenomics from the ground up: economic security modeling, governance token distribution, vesting schedules, and burn mechanisms engineered to resist gaming of the system by bad actors.
  • Designed the protocol architecture to extend beyond gaming into any member rewards or loyalty program; positioning it as general-purpose engagement infrastructure rather than a single-use-case chain.
  • Designed compliance and governance frameworks for token issuance and DAO structure, including a corporate governance model with a Protocol Board as primary decision authority, an Advisory Council of developer and technical representatives, and a formalized token holder feedback mechanism.
  • Led overall strategy, protocol architecture, and authored the project whitepaper.
Operations and Compliance Consultant (Contract)
Stealth Startup — Asset Management Fund
October 2024 – June 2025
Compliance · Digital Assets
  • Engaged to build the full compliance and regulatory framework required for fund licensing approval — drafting comprehensive compliance documents, policies, procedures, and risk flows from scratch for submission to the fund's governing body.
  • Built 3-year financial projections including Pro Forma, P&L, Cash Flow, and Operational Expense reports to support the licensing application.
  • Designed risk management and governance frameworks for alternative investment strategies that incorporated DeFi product integration structures, an area with limited regulatory precedent.
  • Managed the regulatory submission process and supporting documentation end-to-end.
Chief Compliance Officer (Contract)
Bilbud Inc.
January 2025 – March 2025
Compliance · Fintech
3-month engagement to build a full compliance program from zero ahead of launch.
  • Built a complete KYC/AML program from scratch: CDD/EDD/SDD risk tiers, OFAC/PEP/adverse media screening, customer onboarding workflows, and transaction monitoring designed to meet both US FinCEN and UK FCA standards simultaneously.
  • Developed transactional risk models for receivables finance and fraud prevention, incorporating credit, identity, and behavioral risk signals into a single scoring framework.
  • Built automated onboarding risk scoring and real-time monitoring systems to support automated decisioning at scale.
  • Collaborated directly with the CTO to implement the compliance architecture directly into the product's user experience prior to launch — rather than bolting compliance on after the fact.
  • Evaluated and selected compliance technology vendors, and developed procurement and vendor governance frameworks for ongoing operations.
  • Produced the full set of risk flows, governance documentation, and policy frameworks needed for investor and banking partner review.
Head of Data & Compliance Officer
Tangible — RWA Tokenization Platform
September 2023 – December 2024
Data · Compliance · RWA
  • Owned all data services, BI, on-chain analytics, and KYC/AML compliance for a live tokenized real estate platform serving digital asset investors globally.
  • Architected on-chain analytics infrastructure and automated regulatory reporting systems, enabling real-time compliance oversight across tokenized asset transactions rather than periodic manual review.
  • Built a full global KYC/AML program — CDD/EDD/SDD tiers, name and sanctions screening (OFAC/PEP/adverse media), onboarding workflows, and transaction monitoring — engineered to meet both FinCEN and UK FCA standards.
  • Developed risk scoring models specifically for alternative asset investments and tokenized real estate counterparties, a category with little existing modeling precedent.
  • Designed data taxonomies, normalization procedures, and QA workflows to ensure accuracy and consistency of complex, heterogeneous data at scale.
  • Partnered directly with the COO and CTO and engineering team to translate compliance and data requirements into scalable product architecture, and produced risk flows and governance documentation for banking partner and investor review.
  • Managed data and compliance vendor relationships — evaluation, onboarding, and ongoing performance monitoring.
Co-Founder / COO
EnkiFi — Web3 Banking BaaS
April 2023 – September 2024
Fintech · Web3 · Operations
Crypto Valley Association Startup of the Year Finalist 2023
  • Co-founded a Banking Infrastructure as a Service company built on Web3 rails, and drove product strategy, operations, and commercial development for a platform designed to serve financial institutions directly.
  • Designed the company's AML/KYC program, transactional scanning capability, and customizable rules engine; designed on-chain transaction monitoring for institutional clients.
  • Built the company's full operational foundation from nothing — entity registration, taxes, banking, payroll, and core vendor relationships.
  • Created FortyFi alongside lead investor as a functional proof-of-concept tokenizing a full agricultural supply chain from seed to table, including IoT integration for real-time tracking via blockchain — an end-to-end architecture spanning farmers, distributors, delivery, and retail with smart contract automation for both payment and verification.
  • Negotiated pre-seed and seed funding, M&A discussions with VC and agtech partners, banking partnerships, and payment service provider relationships.
  • Created risk assessment frameworks specifically for tokenization and digital asset custody services.
Data Mentor / Coach
Independent
March 2023 – Present
Training · Data Science
  • Provides one-on-one and small group coaching for students, new graduates, and working professionals transitioning into or advancing within data and analytics careers — with curriculum tailored to each mentee's specific target role, tool stack, and industry rather than a generic syllabus.
  • Coached a recent graduate into a mid-level analyst role at a public utility — designing targeted training on Excel, Access, table structures, and the specific daily workflows of the role, then guiding them through the full interview process to a successful offer.
  • Coached a junior analyst through the technical and strategic skill development required to earn promotion to Senior Analyst / Data Engineer, broadening their scope from pure analysis into data engineering.
  • Trained an analyst on effective AI tool integration and prompt engineering, enabling them to move models from concept to productization significantly faster than conventional methods allowed.
  • Guided a healthcare data scientist through development of two predictive models, both of which were taken into production by the client firm during the active engagement.
  • Has contracted to mentor personnel in healthcare, human resources, public utilities, and energy — adapting coaching to the tools, regulations, and data environments specific to each sector.
Business Development Director / Director of Data Services
Crowdz — Receivables Finance
August 2019 – April 2023
Fintech · BD · Data
Patent Co-Inventor — USPTO US-20220076330-A1
  • Hired as Director of Business Development; transitioned to lead the Data Services function while retaining BD responsibility; effectively training CS and working as escalation point for CS and BD in parallel with data services functions for the remainder of the tenure.
  • Co-invented a patent-pending transactional risk model that replaced binary classification with a weighted DBT formula, improving predictive accuracy by 80%+.
  • Led a risk analytics proof-of-concept with Citi that demonstrated proprietary model correlation above industry benchmarks, resulting in $10M+ of institutional investment.
  • Managed an $80M+ portfolio within Meta's diverse receivables funding program — covering analytics, risk monitoring, and regulatory reporting.
  • Closed a landmark data and profit-sharing arrangement with AvidXchange, the largest US competitor in the space, scaling portfolio participation and payments roughly a thousand-fold.
  • Reduced data vendor costs by $1M+ annually through systematic cross-departmental provider analysis and renegotiation — managing relationships with Northrow, S&P Global, D&B, and Codat, including contract analysis, performance monitoring, and renegotiation.
  • Pioneered the tokenized receivables concept internally, which led to the formation of a dedicated team and the Avalon Marketplace product line.
Operations Consultant
Independent — Fintech, Web3, Retail
February 2018 – Present
Consulting
  • Runs an operations consulting practice for executives, founders, legal, and engineering teams across fintech, digital assets, and retail — with engagements spanning strategy through hands-on implementation.
  • RWA Property Tokenization: designed a fractional ownership model based on token holdings, compliance frameworks for regulatory approval of tokenized real estate offerings, and smart contract architecture for automated property management and revenue distribution.
  • DeFi Protocol Economics & Governance: consulted multiple crypto firms on flywheel economics and tokenomics optimization, designing token utility frameworks, sustainable economic models, and DAO governance structures including voting mechanisms and treasury management frameworks.
  • On-Chain Analytics: developed analytics solutions for DeFi protocol performance monitoring and risk assessment.
  • KYC/AML Frameworks: designed compliance policies and frameworks for multiple crypto and fintech firms, including documentation and risk flows for banking partner and investor review.
  • Payment Services: consulted on payment processing setup, crypto payment integration, and payment service provider negotiation and structuring.
Founding Consultant
Independent Card Breaking & Streaming Venture
February 2026
Operations · Legal
  • Retained by a founding group to advise on the formation of a memorabilia card breaking and streaming venture, serving as lead organizer and primary operator through the founding phase.
  • Drafted the company's organizational documents and operating agreement framework, structured for privacy and asset protection.
  • Established banking, payment processing (Stripe, PayPal, and crypto rails), and the underlying streaming platform infrastructure.
  • Designed the venture's governance structure — access controls, a permission matrix, IP assignment terms, profit allocation methodology, and member roles and compensation — for a five-member founding group.
  • Developed a three-argument gambling statute defense addressing consideration (a purchasing-agent model), chance (manufacturer-controlled randomness), and prize (pre-ordered content category fulfillment), supported by structural, pricing, and geographic compliance recommendations.
Lead Writer & Analyst
MLB Marathon
February 2019 – Present
Baseball · Analytics · Writing
  • Serves as primary writer, analyst, and editorial coordinator for an independent baseball publication built around data-driven storytelling, advanced analytics, and original research.
  • Writes and publishes articles featuring statistical analysis, sabermetric research, historical player and team evaluation, trade analysis, Hall of Fame projections, and weekly recaps.
  • Created Twitter's All-Time Best MLB Lineup cross-published on WhatIfSports in May 2020, inspired by a tweet from The Athletic's Marc Carig — jointly published across both platforms with significant audience engagement.
  • Produced Deep Dive: Juiced Baseballs, a statistical investigation into ball composition changes, cross-promoted via a podcast appearance featuring astrophysicist and ball construction expert Dr. Meredith Wills.
  • Coordinates a small team of contributing writers on topics, story angles, and publishing schedules, and is a featured contributor on the MLB Marathon podcast.
+283%Client sales growth at Hugo Boss (six years)
600%Licensing revenue growth at Glynlyon
$17M→$24M4-campus tech operation, Univ. of Missouri
SenateInvited testimony on education reform
ViralSocial Media Campaign; cross-published
$15.5MSupply chain tokenized as COO (FortyFi)
Cabinets & Appliances Department Manager
Lowe's Home Improvement
April 2018 – July 2019
Retail · Operations
  • Hired as Head Cashier; promoted to Department Manager within six weeks.
  • Received three raises across the full tenure.
Assistant Manager
Bonobos — Luxury Menswear
October 2016 – January 2018
Retail · CRM
  • Built an automated CRM tool using Google Apps Script that streamlined client outreach, follow-up scheduling, and communication — reducing manual workload and improving the consistency of customer follow-up.
  • Developed customer segmentation strategies to improve targeted outreach effectiveness and increase repeat visit rates.
  • Received the Golden Pants Award — Bonobos' top company-wide recognition for customer service and client retention — in both February and October 2017.
Account Executive
Penske Automotive Group — BMW North Scottsdale
July 2015 – October 2016
Sales · Luxury
  • Ranked within the top 5 of 26 salespeople for gross volume in 11 of 15 months on the sales floor, while consistently maintaining the highest gross margins on the team.
  • Achieved the bonus threshold for trainer status in every eligible month.
  • Built a referral-driven client base through exceptional follow-through, post-sale care, and personalized relationship management.
General Manager
Hugo Boss — International Luxury Menswear
January 2010 – July 2015
Retail · P&L · Leadership
  • Held full P&L ownership, team leadership, and brand stewardship for a top-performing North American location of one of the world's leading luxury menswear houses.
  • One of only five North American Hugo Boss stores to achieve double-digit growth in both 2013 and 2014.
  • Grew CRM-driven client sales 283% and total store volume 144% over six years through a custom clientelling program and elevated hospitality protocols.
  • Increased all store KPIs 10–30% annually, including units per transaction, conversion rate, 4 per transaction, client capture, and return rate.
  • Designed an employee incentive program alongside sales and hospitality training that became a model within the brand and was adopted beyond retail — delivered to JW Marriott employees in 2013 and used to train Crowdz CS and BD team across 2019-20
  • Built and developed a high-retention team through structured coaching, incentive design, and a genuine culture of accountability and staff growth.
Multi-Unit Area Manager / Computer Consultant
University of Missouri — 4 Campuses
May 2006 – September 2009
Operations · Technology · E-Commerce
Apple Certified: ASTO-APP, ASTO-ASP, ACMT (2009-2011)
  • Managed technology retail sales, e-commerce operations, and IT oversight across four University of Missouri campus locations.
  • Grew gross revenue across the four campuses from $17M to $24M, while improving profit margins by 2% through sales/hospitality training and operational efficiency initiatives.
  • Built and managed the campus e-commerce site end-to-end — shopping cart configuration, payment processing integration, HTML/CSS, product content, and ongoing maintenance.
  • Managed and provided oversight for the student-run IT help desk across all four campuses, structuring escalation protocols, shift coverage, knowledge bases, and quality standards for student technicians.
  • Established a partnership with the City of Columbia to provide free downtown WiFi infrastructure — a unique public-private technology deployment.
  • Provided analytics and technology recommendations to University administration that drove the publicized, widespread adoption of Apple computers in the J-School.
Account Executive
Insight Enterprises Inc.
February 2005 – February 2006
Enterprise IT Sales
  • Sold complex enterprise IT solutions to large public- and private-sector organizations.
  • Closed major technology procurement deals with a nuclear research firm, a major film studio, and the City of Portland, OR — each requiring deep product knowledge and multi-stakeholder enterprise sales management.
  • Selected to the Insight Director's Club for sales performance, and maintained the highest average profit margins on the sales team.
  • Completed Question Based Selling certification, a structured consultative sales methodology.
Logistics Manager
Mervyn's
November 2004 – February 2006
Operations · Retail
  • Managed inventory, receiving, floor layout, visual merchandising, and a small logistics team, while serving as the corporate liaison for Loss Prevention / Asset Protection.
  • Reduced shrink by 2% through improved LP/AP liaison protocols, inventory discipline., and service/hospitality training
Director of Sales & Licensing
Glynlyon (Alpha Omega Publications / Odysseyware / Bridgestone Multimedia)
April 2001 – July 2004
Sales · Licensing · Publishing
  • Grew licensing revenue 600% over tenure through relationship-driven sales and a custom algorithm that automated advance/royalty division across domestic and international licensing contracts — increasing both efficiency and licensing output simultaneously.
  • Managed licensing for a 600–800+ title catalog spanning TV, film, video games, and music across Bridgestone Multimedia — including broadcast agreements for TV properties, film distribution rights (The Chronicles of Narnia, Where the Red Fern Grows), video game IP (Frogger, The Getaway), and music rights covering sync, mechanical, master recording, and performance.
  • Negotiated film distribution and licensing agreements across Bridgestone's film catalog, managing theatrical, home video, streaming, and broadcast rights across distribution windows and territories.
  • Expanded wholesale market penetration and margins 15–20% annually through trade show presence, CRM programs, and client relationship development.
  • Sold K-12 curriculum across homeschool, private, public, and charter school markets at national education conventions, and trained distribution partners, wholesale accounts, and school administrators on product selection and implementation.
Independent Operations Consulting — Digital Marketing
Joyeux Dance Academy
2009 – 2015
Marketing · Web · Operations
Built and managed for six years; client operated the systems independently through 2019.
  • Built and managed a small business's digital marketing infrastructure from scratch, including its website, Facebook Business Page, Google Analytics implementation, and AdSense and Facebook Ads campaigns.
  • Maintained and optimized the marketing systems for six years while concurrently holding the General Manager role at Hugo Boss.
  • Designed the systems to be sustainable without ongoing involvement — the client continued operating them independently for several years after the engagement concluded.
Independent IT Consulting
Independent — SMB Clients
2007 – 2011
Technology · Consulting
Concurrent with the University of Missouri role.
  • Operated an independent IT consulting practice providing technology advisory, hardware and software setup, network configuration, and vendor selection guidance to small and mid-sized business clients.
Intern — Alternative Dispute Resolution
Maricopa County Superior Courts
February 2002 – February 2003
Law · Mediation
  • Pre-litigation mediation and settlement facilitation within the ADR Department with crossover into Conciliation Mediation Services.
Education Policy Consultant & Public Speaker
Independent
2000 – 2003
Policy · Public Speaking
  • Recognized as a subject matter expert in education reform, curriculum policy, and school choice during a pivotal period of national legislative debate.
  • Testified before a US Senate subcommittee hearing on education reform and school vouchers as an invited expert on curriculum, school choice, and educational outcomes.
  • Invited speaker at CATO Institute and Heritage Foundation events on education reform and school choice policy.
  • Guest Lecturer, Economics 101 — Patrick Henry College (2002): taught foundational economic concepts using fantasy baseball as the instructional framework, demonstrating how curriculum innovation can make abstract theory accessible for non-traditional learners.

Education

B.S.eq. in Economics — Praxeological Studies
Arizona State University + Scottsdale Community College + Patrick Henry College
1998 – 2003
Public Interest Certificate in Law & Public Policy
Witherspoon School of Law and Public Policy
2002
Graduate Diploma in Biblical and Theological Studies
Phoenix Seminary
2002 – 2003
Also completed: Solution Based Selling (Hugo Boss) · Question Based Selling (Insight Enterprises) · Integrity Selling (Glynlyon)

Certifications & Licenses

Patent

Co-Inventor — USPTO US-20220076330-A1
Real-time invoice risk scoring for receivables finance. Key contribution: replaced binary classification with a weighted DBT formula, improving predictive accuracy 80%+.

Test Scores

172LSAT
1600SAT
32ACT

Technical Stack

PythonSQLPostgreSQLRREST APISolidityWeb3.jsChainalysisTableauPower BIDomoAWSGoogle SuiteMicrosoft SuiteAdobe SuiteJiraConfluenceZohoMPC WalletsSmart ContractsGoogle Apps ScriptHTML/CSSAI LLM Tools

Memberships & Recognition

Note: Concurrent employment has been a recurring pattern throughout this career — from working three campus jobs simultaneously in college to holding two full-time positions at once (Insight & Mervyn's; BMW & Shell) to running independent consulting, writing, and mentorship work alongside full-time roles from 2008 onward; can offer specific insight into any concurrency if needed. Dates reflect the active period of each engagement, not exclusivity.