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Michael Lopez

Index

Career

Projects

Expertise

Achievements

Interests

Patterns

Michael Lopez

Thirty years across engineering, architecture and technology leadership, currently leading a 26-engineer global organization while running Clarity Technologies, the consultancy he founded in 2014 and still operates today.

A conventional résumé would flatten that into a list of roles. The interesting part is the structure: how leadership, delivery, AI work and a pair of junior hockey organizations connect to each other. That is why this site is a graph rather than a timeline.

Keep scrolling and the graph keeps pace with the story. Everything it highlights is readable in full on this page, with or without it.

personroot

Michael Lopez

The person behind the graph. Based in Mesa, Arizona, married with five kids and a house full of cats and dogs. Thirty years across engineering, architecture and technology leadership; when the laptop closes, it's usually a rink, a field, or a flight to Maui.

  • Mesa, Arizona
  • Married, five kids
  • Cats and dogs, in quantity
  • Travels every chance he gets; Maui is the one he keeps going back to
  • Football and ice hockey

Career

Two tracks have run in parallel since 2014: leading engineering organizations — individual contributor to Director to VP, global and offshore teams, regulated-industry delivery — and building software independently through Clarity Technologies.

The career is measured in scope and capability rather than a list of logos: financial services since 2004, healthcare and IoT engagements through the consultancy, and an AI and automation practice that stands up the infrastructure and finds the workflows where automation actually pays for itself.

careercareer

Career

A career measured in scope and capability rather than a list of logos. Two tracks running in parallel since 2014: leading engineering organizations, and building software independently through Clarity Technologies.

  • Individual contributor → Director → VP → Founder
  • Global and offshore team leadership
  • Regulated-industry delivery

careercareer.clarity

Clarity Technologies

Founded 2014 and still running. Engineering leadership, architecture strategy and full-cycle delivery for clients across financial services, healthcare and IoT, increasingly centred on AI and agentic automation.

  • Founder, 2014 to present
  • Enterprise architecture and technology strategy
  • AI, agentic automation and private inference
  • Engineering governance, CI/CD, release standards
  • Advisory to executive stakeholders

careercareer.leadership

Engineering leadership

Building teams and the systems of work around them: engineering standards, delivery cadence, architecture review, and the unglamorous discipline that makes releases boring.

  • Currently leads a 26-engineer global organization
  • Previously ran 11-person orgs including offshore teams
  • Agile standards, code governance, release management
  • Mentoring engineers on .NET, architecture and practice

careercareer.ai

AI & automation practice

Leading adoption of AI inside engineering organizations: evaluating models, standing up infrastructure, and finding the workflows where automation actually pays for itself.

  • Azure AI Foundry and multi-model platforms
  • LLM integration into customer-facing products
  • Intelligent workflow automation
  • Internal engineering productivity tooling

careercareer.fintech

Mortgage & fintech

Two decades inside lending technology: loan origination, broker systems, point of sale, and the integration surface between them. Regulated, audited, and unforgiving of hand-waving.

  • Loan origination system engineering and migration
  • Broker and point-of-sale platforms
  • Compliance-aware workflow design
  • Financial services since 2004

Projects

Systems that shipped and stayed shipped. Client engagements are described without naming the client; independent work is named directly.

A .NET loan origination platform for one of the largest mortgage brokerages in the United States. An enterprise promotions platform behind more than $50M in global rebate and loyalty programs. Sensor telemetry over LoRaWAN with escalation and auto-resolution. Two commercial point-of-sale products replaced with custom in-house builds — one to a production-ready prototype in ten months.

And the current independent work: a private two-node AI inference cluster running open-weight models locally, a multi-agent orchestration platform with broker-controlled delegation, a healthcare automation system supporting caregivers of dementia patients, three platforms built to run his own hockey organizations, and SafeTube — a parent-controlled viewing platform built by a father of five.

projectprojects

Projects

Systems that shipped and stayed shipped. Client engagements are described without naming the client; independent work is named directly.

  • AI infrastructure and agent platforms
  • Regulated financial platforms
  • IoT telemetry and monitoring
  • Consumer-facing product work

projectprojects.gx10

On-prem AI cluster

A private, two-node inference cluster running open-weight models locally. No data leaving the building. Models are tiered by job: a fast model for routine execution, a reasoning model for analysis, and a burst model brought online only for genuinely hard problems.

  • Dual GB10 nodes, tensor-parallel over ConnectX-7
  • Three-tier model routing by task type
  • Ray-coordinated distributed serving
  • Allowlisted control plane, no arbitrary shell access
  • Deterministic tools for arithmetic; models interpret, never calculate

projectprojects.swarmx

Agent orchestration platform

A multi-agent platform where specialised agents are packaged, permissioned and delegated to. A broker ranks candidate agents by capability, permission coverage and queue depth rather than letting agents spawn each other freely.

  • Broker-controlled delegation, not open peer spawning
  • Capability packs, skills, rules and hooks
  • MCP module integration
  • CRDT-backed collaboration and presence
  • Role hierarchy with scoped permissions and audit logging

projectprojects.ella

Healthcare automation system

An automation system and companion iOS app supporting caregivers of dementia patients, applying AI-driven decision support and behavioural recommendations at the point of care.

  • AI decision support for caregivers
  • Companion iOS application
  • Behavioural recommendation engine
  • Delivered through Clarity Technologies

projectprojects.pos

Custom point-of-sale platforms

Two separate commercial point-of-sale products replaced with custom in-house platforms. One reached a production-ready prototype in ten months with a hybrid onshore/offshore team.

  • Two commercial platforms replaced with in-house builds
  • Production-ready prototype in 10 months
  • Improved UX, scalability and cost profile
  • Hybrid team delivery

projectprojects.los

Broker loan origination platform

A .NET loan origination platform serving one of the largest mortgage brokerages in the United States. Engineering strategy, enterprise API architecture, modernization and AI initiatives.

  • Enterprise APIs across LOS, CRM, ERP and third parties
  • Platform modernization and DevOps expansion
  • AI and intelligent automation initiatives
  • Scalability, security and reliability workstreams

projectprojects.iot

IoT telemetry platform

Sensor and gateway integration over LoRaWAN with event-driven monitoring: configurable thresholds, escalation, automatic resolution, connectivity and battery health, and SMS/email alerting for operational and compliance use.

  • LoRaWAN and The Things Network integration
  • Real-time telemetry ingestion and cloud connectivity
  • Threshold, escalation and auto-resolution rules
  • Connectivity and battery monitoring
  • SMS and email alerting

projectprojects.incentive

Promotions & incentive platform

An enterprise promotions and incentive platform supporting more than $50M in global rebate and loyalty programs, including a channel incentive engine and over one hundred consumer-facing rebate sites.

  • $50M+ in global rebate and loyalty programs
  • Channel incentive engine
  • 100+ consumer-facing rebate websites
  • Address validation integration
  • VoIP call centre integrated to the data warehouse

projectprojects.leaguemanager

League Manager

A hockey league management platform: registration, rosters, trades and waivers, scheduling, document signing, compliance, finance and statistics. Built as a modular monolith so fifteen business domains stay genuinely separable. In active development, operating his own organizations.

  • Modular monolith, DDD and clean architecture
  • 15 business modules, each with its own domain layer
  • ASP.NET Core / .NET 10 with React 19 and TypeScript
  • PostgreSQL schema-per-module, Redis caching
  • Document templates and in-app signing
  • Player movement, trades and waiver wire

projectprojects.teammanager

Team Manager

The multi-tenant layer above a single team: organizations, subscriptions, usage metering and invoicing, with strict tenant isolation enforced at the database. In active development.

  • Multi-tenant with composite organization ownership
  • Platform plans, subscriptions and feature flags
  • Usage metering with monthly snapshots
  • Invoice generation and payment collection
  • Money stored as integer cents, never floats
  • Encrypted provider credentials, never plaintext

projectprojects.billetmanager

Billet Manager

Junior hockey players live with host families. This matches athletes to host homes: availability windows, compatibility, placement staging and onboarding. An unglamorous, genuinely hard operational problem. In active development.

  • Athlete and host family profiles
  • Availability windows and month-by-month planning
  • Compatibility matching with explained outcomes
  • Organization and team onboarding workflows

projectprojects.safetube

SafeTube

A parent-controlled viewing platform: every video is reviewed before a child can watch it. AI-assisted review reads metadata and captions, parents approve or block, and revoking access interrupts playback already in progress. Built by a father of five. In active development.

  • Parent review queue with AI-assisted screening
  • Transcript-aware review, metadata fallback
  • Child PWA plus parent web and mobile apps
  • Trusted channels that remain reviewable
  • Device pairing, remote lock and emergency block
  • Revocation interrupts active playback mid-session

Expertise

Capability shown through what it built, not through a percentage bar. Every branch here connects to work that evidences it.

AI and agentic systems: agent architecture, retrieval, model routing across providers and local inference, and the operational discipline to run it privately. The .NET/C# through-line of the whole career, down to SDK-level platform extension. Cloud and DevOps discipline that turns deployment from an event into a routine. Data platforms from SQL Server to Qdrant, APIs and integration between systems that were never designed to meet, long-range low-power sensor networks, and deep platform-level knowledge of the mortgage systems the industry actually runs on.

expertiseexpertise.agentic

AI & agentic systems

Designing systems where models do the judgement and deterministic tools do the arithmetic. Agent architecture, retrieval, orchestration and the operational discipline to run it privately.

  • Agent architecture and orchestration
  • Retrieval-augmented generation
  • Model routing across providers and local inference
  • LLM integration into production workflows
  • Vector databases and knowledge stores
  • Intelligent workflow automation

expertiseexpertise.cloud

Cloud & DevOps

Azure and AWS, containers, and the pipeline discipline that turns deployment from an event into a routine.

  • Microsoft Azure, AWS
  • Docker, GitHub, Azure DevOps
  • CI/CD pipelines and release management
  • Monitoring, redundancy and uptime protocols

expertiseexpertise.iot

IoT & LoRaWAN

Long-range low-power sensor networks: gateways, device provisioning, telemetry processing and the alerting layer that makes the data actionable.

  • LoRaWAN and The Things Network
  • IoT gateways and sensors
  • Telemetry processing
  • Device and connectivity monitoring

expertiseexpertise.architecture

Enterprise architecture

Designing how large systems fit together: integration frameworks, API strategy, identity, data movement, and the migration paths that get legacy platforms to somewhere maintainable.

  • Enterprise integration frameworks
  • API architecture and system integration
  • Legacy modernization and platform migration
  • Hybrid cloud and on-premise infrastructure

Achievements

Milestones with a number attached, and the credentials behind them.

A 26-engineer global organization spanning development, automation, platform modernization and AI initiatives. Technology leadership for global rebate and loyalty programs exceeding $50M across hundreds of client brands. A custom point-of-sale platform taken from nothing to a production-ready prototype in ten months. Three actively maintained ICE Mortgage Technology certifications. And a B.A.S. in Technology Management from Northern Arizona University.

achievementachievements.certifications

ICE certifications ×3

Three active certifications from Ellie Mae / ICE Mortgage Technology, maintained and renewed rather than collected once.

  • Encompass Certified Developer, updated 2025
  • Encompass Certified Administrator, updated 2024
  • Encompass Advanced Certified Developer, 2021

achievementachievements.scale

26-engineer organization

Currently leading a 26-member global engineering team spanning development, automation, platform modernization and AI initiatives.

  • 26 engineers across multiple time zones
  • Development, automation, modernization, AI
  • Prior organizations of 11 including offshore teams

achievementachievements.education

B.A.S. Technology Management

Bachelor of Applied Science in Technology Management, Northern Arizona University, 2014.

  • Northern Arizona University
  • Flagstaff, AZ (2014)

Interests

The parts that aren't on the résumé but explain a fair amount of it.

Seven years in Phoenix youth hockey, mentoring young athletes and coaching the same things that matter at work: dedication, teamwork, showing up. Then the step most people don't take — owner/operator of two junior hockey organizations, the Salt Lake Ghost Riders and the Hudson Havoc. Entrepreneurship as a habit: a consultancy since 2014, sports organizations, independent products. And when the laptop closes, football, and a flight to Maui — the one he keeps going back to.

interestinterests.travel

Travel

Travels every chance he gets. Maui is the one he keeps going back to (the place that wins even against everywhere else on the list).

  • Maui, the recurring favourite
  • Family travel with five kids in tow

interestinterests.football

Football

The other sport. Watched more than played these days, and a reliable second season to hockey.

  • Lifelong follower
  • Runs alongside the hockey calendar

The throughline

Step back and the graph surfaces two patterns no single line of a résumé states.

Build, don't buy: when a commercial platform stopped fitting the business, it got replaced with a custom build — twice, in two different organizations, one reaching a production-ready prototype in ten months. Analysis still happens first, but when the right tool doesn't exist, build it.

Run it, then build it: he owns and operates two junior hockey organizations and writes the platforms that run them — League Manager, Team Manager, Billet Manager. His own first customer; requirements arrive from the rink rather than from a backlog.

patternpattern.build

Build, don't buy

A recurring decision, surfaced by the graph rather than stated anywhere: when a commercial platform stopped fitting the business, it got replaced with a custom build. Twice, in two different organizations. Analysis still happens first, but when the right tool for the job doesn't already exist, build it. With AI in the mix, that calculus has only shifted further.

  • Two commercial platforms replaced with custom builds
  • One reached production-ready prototype in 10 months
  • UX, scale and cost improved each time
  • A pattern the graph found, not a line on a résumé

patternpattern.operator

Run it, then build it

He owns and operates two junior hockey organizations, and writes the platforms that run them. League Manager, Team Manager and Billet Manager exist because he needed them himself. He is his own first customer, which means the requirements arrive from the rink rather than from a backlog.

  • Two junior hockey organizations, owner / operator
  • Three platforms built to run them
  • Requirements come from operating the business
  • An interest became an enterprise became a product line

Contact

If the structure above maps to something you're building — consulting, technology leadership, AI and automation — start a conversation. This site deliberately carries no downloadable résumé; the conversation is the path to detail.

Or keep exploring: the full graph is one click away, and every node on this page is already readable above.

Contact

The easiest way to reach me directly is email.

mikelopez@outlook.com