Luis Ocadiz, Systems Architect · Fintech Builder
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Systems Architect · Fintech Builder · Las Vegas, NV

Luis
Ocadiz

I build systems that fix what’s broken.
The ones that hurt people most get my full attention.

Open to the right opportunity
Las Vegas, NV
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Broken System Solver People First Exit Ramp Builder Onchain Privacy Autonomous AI Regulated Fintech Mortgage Disruption Compliance Architecture Builder Operator Architect The Guy That Changed The Face of Finance Broken System Solver People First Exit Ramp Builder Onchain Privacy Autonomous AI Regulated Fintech Mortgage Disruption Compliance Architecture Builder Operator Architect The Guy That Changed The Face of Finance

I spent 15 years inside the financial system learning exactly how it breaks people.

Not from the outside looking in. From the operations floor. Loss mitigation at JPMorgan Chase during the 2008 crisis. Military and consumer lending at MidCountry Bank. High volume, high stakes, heavily regulated environments where the margin for error is someone’s home, someone’s credit, someone’s financial future.

That experience built something in me that code never taught me, a non negotiable standard for how financial products and services should treat people.

I brought that standard into every team I built. Proven track record of developing leaders and building bench strength. Three consecutive years ranked number one across three major production sites. A culture where people grew, not burned out.

The real vision is mortgage lending. For the people banks turn away. Not predatory products with impossible terms, actual pathways to ownership for people the traditional system wrote off. Blockchain verified. Transparent. Autonomous. Fair.

Illusive Motor Concepts is how we prove it works. Auto loans on Base today, peer to peer, fully autonomous, compliance architecture built for regulated lending from the ground up. When that model is proven, we scale it to the product that actually changes generational wealth.

The banks say no. We’re building the system that says yes.

This isn’t crypto stuff. It’s the exit ramp. Built the right way. For the people who deserve better.

15+
Years in Financial Services Operations
7
7 Leaders Developed, From One Team
67%
Error Rate Reduction via Automation
#1
Several Consecutive Quarters Across 3 Production Sites

Work History

Mar 2021 — Jul 2024
Managing Partner & Founder
OOAK Group LLP · Las Vegas, NV
Founded a Web3 agency specializing in NFT utility architecture and blockchain strategy. Launched Las Vegas’s first NFT-gated fine dining experience, the Kaiseki Yuzu collection. Designed real world utility into every token before the mint: complimentary meals, exclusive pricing, private dining access, and an Airbnb. Deliberately excluded staking and P2E to protect holders from securities exposure, two years before regulators started making examples of projects that didn’t think that far ahead. The marketing campaign contributed to Chef Kaoru Azeuchi receiving a James Beard Award nomination as a Southwest region finalist.
NFT ArchitectureSmart ContractsEthereum Utility DesignCompliance FirstWeb3 Strategy
May 2013 — Oct 2020
Lending Manager, Digital Support
MidCountry Bank / Pioneer Services · Las Vegas, NV
Managed a dual-purpose Loan Origination and Customer Service call center serving active duty military borrowers. Engineered an automated Underwriter decision tool that reduced critical error rates from 12%+ to under 4%, a 67% improvement deployed department-wide. Revamped the entire IVR system to implement self-service and skill-based routing. Hand-selected by the Senior Executive Team to lead customer incentives and loyalty programs. Left when the products stopped serving the people they were built for.
Process AutomationIVR DesignMilitary Lending SCRA · CFPB · REG BTeam Leadership
Feb 2007 — Jun 2012
Operations Supervisor II
JPMorgan Chase · Chatsworth, CA
Directed a Loss Mitigation and Loan Modification operation through the 2008–2010 financial crisis, 17 Underwriters, 15 Collectors, and Team Leads. Built a team that had no bottom performers for several consecutive quarters across three major Chase production sites. 7 of the first 25 agents developed went on to become leaders. There was a waitlist to work in my division. Left when holding the line for borrowers became incompatible with what the institution was asking.
Loss MitigationLoan ModificationsLeadership Development FDCPA · FCRAPerformance Management

Selected Work

01
Innovative Blockchain Solutions / IMC
The vision is mortgage lending for the people banks turn away. Illusive Motor Concepts is how we prove it works, a fully deployed peer to peer auto lending protocol on Base Sepolia. Smart contract loan vaults, autonomous AI voice agents that handle borrower servicing without human involvement, and a compliance architecture built from the ground up for regulated lending. On-chain transactions encode neutral numeric codes. No debt language. No identity exposure. No FDCPA, ECOA, or GLBA surface area on the blockchain. Borrowers authenticate through a one-time cryptographic session code before an AI agent discusses a single account detail. Privacy as default. Not as a feature. Auto loans today. Mortgages tomorrow. Advanced underwriting logic and collateral architecture are reserved for mainnet deployment.
02
The Artifact, A Correction
Nike spent four years and $100M building what Web3 wasn’t supposed to be. We rebuilt it correctly in one afternoon. The Artifact is a free mint NFT drop on Base Sepolia that implements every mechanic RTFKT missed. Merkle allowlist mint, no bots, no gas wars, no $700 failed transactions. Permanent decentralized storage. DAO exit clause, if the issuer goes dark for 365 days, holders automatically claim governance. On-chain utility commitments with locked escrow and deadlines. Promises in code, not tweets. We were in that community when the gas hit $700. We warned them. They collected nine figures in royalties and walked away. So we built the correction.
03
Kaiseki Yuzu NFT
Utility first. Before it was a buzzword. Real world benefits encoded into every token, complimentary meals at Las Vegas’s only authentic Kaiseki restaurant, exclusive pricing tied to token rarity that follows the NFT to any wallet, a private holder dining room, an Airbnb, and an original soundtrack produced with Grammy nominated engineer Lester Trakshun Mendoza. All redeemable through existing Web2 booking systems. Zero friction. Designed to be compliant from day one, staking and P2E deliberately excluded to protect holders from securities exposure, two years before regulators started making examples of projects that didn’t think that far ahead. The marketing campaign contributed to Chef Kaoru Azeuchi receiving a James Beard Award nomination as a Southwest region finalist. Nike launched RTFKT the same year. You know how that ended.
04
The Vault
Token gated. Wallet verified. Exclusively yours. The Vault lives inside this portfolio, a Web3 native music player built from scratch. No platforms. No streaming cuts. No intermediaries. Connect any wallet and unlock the original Kaiseki Yuzu soundtrack produced exclusively for the collection. Eight tracks. Jazz, Bossa Nova, and traditional Japanese influences recorded at Tempo Town Studio. A generative NFT character builder with 1,121,120 possible trait combinations. An on-chain leaderboard game. All running inside a WordPress site through custom HTML and vanilla JavaScript. Because Web3 doesn’t have to live on its own island.
05
CX Operations Dashboard
100 agents. 3 channels. 4 quarters. Measurable proof. Built an executive level contact center analytics dashboard to track and drive performance across a high volume financial services operation. Call abandon rate reduced from 9.1% to 1.6%. All SLAs lifted above 88%. CSAT grown from 3.3 to 4.5. Not through pressure, through systems that made it easier to do the right thing than the wrong thing. That’s the difference between managing metrics and fixing the human problems underneath them.
06
Eternal Echoes
Started with zero coding experience. Shipped a production SaaS app. Eternal Echoes is a full stack memory timeline application built from scratch, Next.js, Supabase, Vercel. Multi user authentication, media uploads, branded magic link emails, real time data sync. Live in beta with real users. Not a tutorial project. Not a bootcamp exercise. An idea that didn’t exist, built into something real by someone who decided the gap between operator and builder wasn’t going to stop them.

What I Bring

Systems & Architecture
  • Smart Contract Development (Solidity)
  • Autonomous AI Agent Pipelines
  • Onchain Compliance Architecture
  • Voice Authentication Systems
  • Edge Functions & Cron Automation
  • Full Stack (Next.js / Supabase / Vercel)
  • Process Automation & IVR Design
Finance & Compliance
  • Consumer & Military Lending
  • FDCPA / FCRA / ECOA / GLBA
  • SCRA / CFPB / REG B
  • Loss Mitigation & Loan Servicing
  • Underwriting Operations
  • DeFi Protocol Design
  • NFT Securities Compliance
Operations & Leadership
  • High Volume Contact Center Operations
  • Leadership Development & Bench Building
  • Performance Management (KPI / SLA)
  • Executive Reporting
  • Video Production (Final Cut Pro)
  • Podcast Production
  • Web3 Strategy & Community Building

Let’s
Talk

If you’re building something that matters, in fintech, Web3, AI, or anywhere the old system is failing people, I want to hear about it.

I’m not looking for a box to fit in. I’m looking for the problem worth solving. Operator. Builder. Architect. The labels don’t matter. What matters is whether you need someone who has been inside the broken system long enough to know exactly how to replace it.

Download
Luis Ocadiz Resume
PDF · Luis_Ocadiz_Resume.pdf

The
Vault

Token Gated · Wallet Holders Only

Connect your wallet above to unlock exclusive tracks.

⚠ Security Notice, Never connect a hot wallet or one with holdings to an unfamiliar site. Always use a burner or empty wallet. No holdings required to access The Vault.

The
Tracks

Kaiseki Yuzu
01 / 08
Chef Kai Seki
Luis Ocadiz · Exclusive
0:00 0:00
01
Chef Kai Seki
02
Yuzu Bosa Nova
03
Kaiseki Yuzu!
04
Mt. Fujis Delight
05
Cherry Blossoms
06
Big Trouble in Little Tokyo
07
The Geishas Sorrow
08
Taikos Revenge