Stephen is a principal in Deloitte’s AI & Engineering offering with over 15 years of expertise in banking and technology consulting. He is recognized for leading large-scale digital banking transformation programs and oversees Deloitte’s commercial and embedded banking systems integration capabilities. Stephen partners with top fintechs and banks to design and launch innovative go-to-market strategies and deliver impactful solutions. He drives strategic business and technology initiatives, helping clients reinvent customer experiences, adopt disruptive technologies, and deliver complex platform implementations. At Deloitte’s Converge Prosperity, he oversees wholesale digital innovation and engineering centers of excellence, bringing cutting-edge solutions and accelerators for measurable improvements. Dedicated to driving industry advancement, he frequently speaks at conferences and shares thought leadership on core banking, payments, commercial banking innovation, and embedded finance.