Michael brings over 23 years of experience driving product innovation and solutions across multinational organizations, including financial services, telecommunications, retail, public sector and insurance. As the Chief Product Officer, Michael will oversee Zafin’s product strategy, leveraging his deep expertise to enhance and expand Zafin’s suite of solutions. Michael joins Zafin from PNC, where he served as Senior Vice President and Engineering Director of Retail Banking Technology. At PNC, he led the architecture, strategy and innovation team of over 1,000 technologists, driving significant advancements and spearheading a strategic technology transformation program. His leadership resulted in filing 20 patents, reiterating his commitment to innovation and excellence. "Michael’s visionary leadership and extensive background in developing innovative products and user experiences will be invaluable as we continue to push the boundaries of what’s possible in the ever-evolving landscape of banking," said Charbel Safadi, CEO of Zafin. "His proven track record of accelerating growth for multinational organizations aligns perfectly with our strategic goals to better serve our customers and support our growth initiatives, solidifying Zafin’s position as a leader in banking technology." Before his role at PNC, Michael held key positions at IBM, where he established the API and Microservices practice, managed a $25 million P&L and led a team of over 25 professionals, presenting and blogging on the value of APIs as an offensive weapon against disintermediation for financial institutions. At TD Bank, he created and executed an omnichannel strategy, overseeing a $15 million budget and delivering over $30 million in annual benefits. "The evolving demands of the banking industry require modern, scalable solutions that can adapt to changing needs," said Michael Nitsopoulos. "The banking industry is undergoing rapid transformation. Banks are seeking solutions that keep them ahead, and Zafin is uniquely positioned to lead this change. I am pleased to join the Zafin team and look forward to leading the product strategy efforts, focusing on providing innovative solutions that address the complex challenges faced by our customers."