Trevor Owens
Summary
Solutions Engineer with 10+ years of experience in FinTech, specializing in credit decisioning systems, API integrations, and scalable solution architecture. Combines deep technical expertise with a Business Systems Analyst foundation to deliver high-impact, client-focused solutions across multiple industries.
Overview
11
11
years of professional experience
Work History
Solutions Engineer
Experian
Remote
07.2025 - Current
- Architect and deliver credit decisioning solutions for Fortune 500 financial institutions, supporting real-time and batch underwriting workflows processing millions of transactions annually.
- Consult with multiple Fortune 500 banking and financial services clients to design and implement scalable credit decisioning architectures supporting real-time and batch underwriting workflows.
- Architect decisioning pipelines integrating Experian bureau data, internal datasets, and third-party APIs to optimize approval rates while maintaining compliance and risk thresholds.
- Design rule-based and model-driven decision frameworks enabling rapid experimentation, policy iteration, and explainability for regulatory review.
- Drive process improvements across onboarding and decision lifecycle management, reducing manual reviews and operational overhead.
- Ensure success in building and migrating applications on Experian’s Ascend Ops platform.
- Act as a technical liaison between clients, engineering teams, and support, ensuring smooth communication and alignment on project goals.
- Act as the technical liaison between product, sales, and client stakeholders to ensure solutions align with both platform capabilities and client risk strategies.
- Build and maintain deep relationships with clients’ senior technical leaders to instill confidence in Experian’s solutions and partnership.
- Assist engineering and software development teams in delivering complex, cross-functional solutions, moving fluidly between strategic oversight and detailed technical execution, often under tight deadlines.
- Collaborate with client engineering teams to define data schemas, APIs, and deployment schedules and patterns aligned with enterprise security and governance standards.
- Validate API test cases via Bruno/Postman, communicating, resolving errors and discussing larger issues with developers, product, and project management.
- Translate regulatory, business, and data requirements into end-to-end system designs.
- Implemented monitoring, logging, and decision traceability across credit workflows to support model governance and audit readiness.
- Contracted via Apex Systems (www.apexsystems.com)
Business Technology Consultant
Self/Independent
Remote
01.2024 - 07.2025
- Developed technology roadmaps and strategies aligning with business objectives, cloud computing, data management, and cybersecurity initiatives.
- Implemented customized technology solutions, including software development and network architecture.
- Managed technology projects from planning through delivery, ensuring adherence to client expectations and timelines.
- Consulted with businesses, non-profits, and government entities on systems deficiencies, app development, and user experience initiatives.
- Digitized and automated business processes, aligning CRM, ERP, and/or business functions to reflect culture, mission, and deliverables.
- Evaluated tech infrastructure, systems, and processes to identify vulnerabilities and drive targeted improvements.
- Created digital products establishing brand identity, social media presence, and overall exposure.
- Collaborated with various organizations, such as Florida Department of Health, Florida Agricultural and Mechanical University, and St Pete Pride, to deliver tailored solutions.
Business Systems Analyst
The Wounded Warrior Project
Jacksonville, FL - Hybrid
10.2022 - 01.2024
- Led requirements gathering sessions with users, internal/external teams, and business partners, using the insight gathered to create comprehensive BRDs, SOPs, technical requirements, and user stories.
- Led Joint Application Development (JAD) sessions with stakeholders, translating and documenting business requirements.
- Enhanced systems by analyzing technical specifications for large Salesforce migration projects, contributing to successful implementation.
- Identified system improvement opportunities and created implementation plans, testing scenarios, and post-implementation SOPs.
- Collaborated with cross-functional teams to implement changes to ERP settings, functionalities, and workflows.
- Maintained and updated ERP system to reflect organization changes, active projects, and other resource planning initiatives.
- Improved ITSM processes by efficiently managing ServiceNow change requests, prioritizing tasks, and promptly solving service issues to minimize business impact.
- Monitored system performance to identify areas of improvement or optimization opportunities.
- Gathered and reported system issues and errors, facilitating resolution for internal and external users, partners, and stakeholders.
- Documented capabilities of new wealth screening tools, including iWave, Blackbaud Giving, and Charity Engine, to improve donor relations management.
- Contracted via KForce (www.kforce.com)
Lead Business Analyst
Zions Bancorporation
Remote
02.2022 - 08.2022
- Documented technical metadata and business requirements for data migrations and system enhancements, focusing on improved productivity, performance, and data security while reducing bottlenecks and ITSM backlog.
- Collaborated with stakeholders to gather insights on data policies, standards, quality, security, and usage.
- Coordinated with QA Analysts to validate and enhance data quality.
- Utilized JIRA, SharePoint, Teams, WebEx, and Outlook to communicate with project stakeholders.
- Assisted with overall data migration from ServiceNow to Collibra Data Management, via appropriate APIs.
- Defined, measured, and documented the criticality of Business Terms, utilizing data governance standards; storing data on department SharePoint.
- Developed process maps and mitigation plans, sharing insights across IS/IT departments to enhance operational clarity.
- Led agile meetings, retrospectives, and stand-ups with project teams, ensuring the timeliness and completeness of project deliverables.
- Contract via EDGE Services (www.edgeservices.com)
Senior Business Analyst
U.S. Bank
Remote
10.2021 - 02.2022
- Collaborated with PMO VP and AVP on post-COVID loss mitigation system initiatives, identifying critical system needs to enhance project outcomes.
- Led Joint Application Development (JAD) sessions with project stakeholders, documenting business objectives, needs, and requirements.
- Documented user requirements; created roadmaps, use cases, user stories, and formal BRDs.
- Communicated with SMEs on technology initiatives to gain insights for management and to minimize overall bank risk and loss.
- Monitored change requests and workflow stages in ServiceNow, providing timely updates to the Project Management Office (PMO) to ensure alignment with project goals.
- Utilized ServiceNow for IT Service Management and Issue Management; and SharePoint, Microsoft Excel, Outlook, Teams, and WebEx daily to host meetings, manage projects, and to communicate project changes/updates with various project teams and stakeholders.
- Managed updates to department changes in Workday and SAP systems, preparing monthly analyst reports for executives to inform strategic decision-making.
- Contract via Apex Systems (www.apexsystems.com)
Business Analyst
FIS
Remote
04.2021 - 10.2021
- Identified business improvements and determined systems to implement solutions, enhancing operational effectiveness.
- Performed research and analysis to support business operations and presented findings to project managers, stakeholders, and leadership.
- Designed business processes in ServiceNow and made recommendations to improve and support business systems and activities.
- Worked with Risk Team to mitigate bulk vulnerable IPs across multiple LOBs, utilizing ServiceNow to track project progress and blockers.
- Managed Kanban boards to streamline project management and improve communication between PMO/DEV teams.
- Managed department Sharepoint page to facilitate interoffice communications and secure file transfers.
- Contract via DISYS (www.dexian.com)
Systems Project Analyst
Florida Department of Education
Tallahassee, FL
01.2020 - 04.2021
- Implemented agile work tools such as Microsoft Project and JIRA, to increase efficiency in all aspects including capacity planning, project management, data analyses, quality assurance, and system testing.
- Utilized IBM DataStage and T-SQL for data analysis, ensuring data quality and adherence to data management standards.
- Performed daily Extract, Transform, and Load (ETL) duties, maintaining safe data storage, data quality, and accessibility within DataStage.
- Assisted DBA with database restructuring, enhancing system functionality and supporting effective data governance.
- Created and maintained descriptive and technical metadata, improving cataloging guidelines for data elements.
- Designed, coded, and tested reports, predefined queries, extracts, and graphics for users, internal and external customers.
- Assisted with project, capacity, and issue management, alongside Project Manager, System Administrator, and System Analyst.
Telecommunications Specialist
FL Department of Agriculture and Consumer Services
07.2019 - 01.2020
- Co-managed administration of agency's EDMS system, including installation and testing of hardware and software upgrades to ensure operational efficiency.
- Provided help desk support to Electronic Document Management System (EDMS) users, improving department SLA stats by 40 percent.
- Triage system issues, prioritizing resolutions and communicating updates to internal stakeholders and customers to ensure timely issue resolution.
- Worked with programming staff to image and prepare CPUs for internal agents or clients at various Tax Collector and/or Regional offices; solved issues related to systems and software.
- Managed IT Department inventory for Division of Licensing, overseeing desktops, laptops, copy machines, and peripherals to support seamless operations.
- Utilized EDMS System to monitor and track the lifecycle of computer systems within the division and department, up to placing outdated and damaged devices into mode within the State Government Inventory System.
Business Analyst
Capital One
07.2017 - 01.2019
- Identified business challenges and opportunities for improvement, providing analytical insights to inform strategic recommendations.
- Perform modeling/analytics to assist new product and pricing strategies for various lending products.
- Analyzed Retail Banking Division CRM enhancements and system issues, planning targeted system enhancements to improve user experience.
- Communicated with Project Managers, Directors, and Stakeholders to align on initiatives aimed at optimizing banking technologies.
- Developed breakthrough technology and concepts to support new go-to-market strategies.
Senior Project Coordinator
Verizon Wireless
07.2015 - 01.2017
- Gathered project requirements from Subject Matter Experts (SMEs) and stakeholders, storing information in ServiceNow to enhance project visibility.
- Monitored project progress in ServiceNow, delivering timely updates to project teams, sponsors, and stakeholders.
- Analyzed BGCO risks and opportunities and communicated this information to upper management.
- Facilitated effective phone and email correspondence with customers and clients to ensure clear communication and address inquiries.
- Researched and provided resolutions to connectivity issues within the Business and Government Customer Operations (BGCO).
Education
Master of Business Administration (M.B.A.) - General Business Management and Administration
Capella University
Minneapolis, MN06-2018
Bachelor of Arts (B.A.) - English Writing and Rhetoric
Florida Atlantic University
Boca Raton, FL12-2012
Skills
- Solution Design
- Solution Deployment
- API Integration
- Network architecture
- System Integration
- Software Development
- Data Governance
- Risk & Compliance
- Project Management
- Portfolio Management
- Business Systems Analysis
- Credit Decisioning Systems
Affiliations
- Founding Board Member & Business Technology Advisor, Tallahassee's Active Parent Club (TAPC), 2025 - Current
- Strategic Technical Advisor, JTLC Social Connections, 2026
Systems
Microsoft Office, Teams, Project, JIRA, Google Drive, Zoom, Dropbox, Slack, Monday, Wrike, ClickUp, Asana, SharePoint, Salesforce, Oracle HCM, NetSuite, SAP Business Network, Deltek, Workday, Paycor, ADP, ADP Workforce Now, Paylocity, Peoplesoft, Paychex, Flex, ServiceNow, PowerBI, Collibra, Microsoft SQL Server, DataStage, Tableau, Cherwell, Postman, Bruno, AWS, Smartsheet, Visio, Lucid Chart, Confluence, Blackbaud, Charity Engine, iWave, Salesforce for Nonprofits, DonorPerfect, Donorbox, Donor Search, Adobe, Adobe Illustrator, Adobe Express, Adobe Photoshop, Canva, CapCut
Timeline
Solutions Engineer
Experian
07.2025 - Current
Business Technology Consultant
Self/Independent
01.2024 - 07.2025
Business Systems Analyst
The Wounded Warrior Project
10.2022 - 01.2024
Lead Business Analyst
Zions Bancorporation
02.2022 - 08.2022
Senior Business Analyst
U.S. Bank
10.2021 - 02.2022
Business Analyst
FIS
04.2021 - 10.2021
Systems Project Analyst
Florida Department of Education
01.2020 - 04.2021
Telecommunications Specialist
FL Department of Agriculture and Consumer Services
07.2019 - 01.2020
Business Analyst
Capital One
07.2017 - 01.2019
Senior Project Coordinator
Verizon Wireless
07.2015 - 01.2017
Master of Business Administration (M.B.A.) - General Business Management and Administration
Capella University
Bachelor of Arts (B.A.) - English Writing and Rhetoric
Florida Atlantic University