Bruce Schilder | Banking & Technology Professional

About

For more than 20 years, I have worked at the intersection of business and technology in financial services, helping banks, credit unions, fintechs, and technology providers navigate transformation. What differentiates my perspective is the ability to bridge disciplines that too often operate independently—strategy and execution, business and technology, innovation and operational reality.

I believe banking's next chapter will be defined by the convergence of open banking and artificial intelligence. As financial capabilities become accessible through standardized APIs and intelligent agents, banking will evolve from products and channels into composable services that can be embedded, orchestrated, and personalized in entirely new ways. I describe this future as capability banking—where financial services are delivered through intelligent ecosystems rather than isolated applications.

My career began inside banking with JPMorgan Chase before expanding into digital banking, cloud modernization, core transformation, and open banking leadership roles. Along the way, I have helped financial institutions modernize platforms, launch digital banks, implement open banking programs, and build the foundations required to support innovation at scale.

Today, as Head of Open Banking, Technology at Fiserv, I focus on advancing platform openness, API strategy, ecosystem enablement, and the intersection of open banking and AI. My work centers on helping financial institutions unlock innovation while maintaining the stability, security, and trust the industry depends upon.

Beyond my day job, I actively build and experiment with emerging technologies. I believe leaders should be practitioners, not observers. Whether exploring AI-assisted software development, agentic systems, or new approaches to financial technology, I enjoy turning ideas into working solutions and testing assumptions through direct experience.

The most meaningful challenges in financial services still reside closest to the core. That's where complexity, opportunity, and transformation intersect—and it's where I choose to spend my time.

Current Role

Head of Open Banking, Technology

Fiserv

Leading open banking technology within Fiserv's Financial Services Transformation organization. Focused on advancing the intersection of open banking and AI — where standardized APIs and intelligent agents combine to transform financial capabilities into composable, ecosystem-ready services that redefine how institutions innovate and compete.

Certifications

Lean Six Sigma Black Belt

Rutgers University

Education

Syracuse University

B.S. Finance; Entrepreneurship and Emerging Enterprises

Martin J. Whitman School of Management

What I'm Working On

At Fiserv, I'm exploring how generative and agentic AI can enhance core and digital banking by leveraging open banking infrastructure to unlock new capabilities and efficiencies. At home, I enjoy innovating and prototyping using AI — proving you can ship real products without writing code from scratch.

Currently focused on:

Exploring how generative and agentic AI can transform banking operations and customer experience
Mastering vibe coding and rapid prototyping
Advancing modern integration architectures and API-first platform design