Marty Smith
Driving AI & Digital Innovation | Scaling SaaS & Cloud | Cybersecurity/Risk/AML | Transforming Data into Growth | Award-Winning CIO/CTO | High-Growth Exec | Keynote Speaker | Board Advisor
About
Driving Digital Transformation in FinTech, Retail, Healthcare, and SaaS
As a technology executive and digital transformation leader, I specialize in AI-driven fraud/risk analytics, cybersecurity, SaaS development, and cloud modernization. With 20+ years of experience leading enterprise software engineering, product development, and security initiatives, I have built and scaled high-impact technology solutions across numerous industries and enterprise SaaS platforms.
What I Do:
• Enterprise-Scale Technology Leadership – I’ve led global engineering teams at companies like Goldman Sachs, GreenSky, ChoicePoint (LexisNexis) and The Home Depot, delivering highly available fault tolerant platforms, secure systems processing, and AI-powered fraud detection systems.
• Risk & Cybersecurity Innovation – At ChoicePoint (LexisNexis), FFMC, GreenSky, and Goldman Sachs, I designed identity management, fraud prevention, and AML compliance solutions, mitigating risks and securing high-value transactions.
• SaaS & Cloud Product Development – From BNPL platforms at GreenSky to FinTech solutions at FINSYNC and SaaS-based identity verification at ChoicePoint (LexisNexis), I have led SaaS engineering teams, optimized DevOps practices, and scaled microservices architectures.
• Healthcare IT & Compliance – At TheraTx, Implantable Provider Group, and Alere, I modernized healthcare IT infrastructures, revenue cycle management platforms, and compliance frameworks, ensuring HIPAA compliance, security, and operational efficiency.
Let’s Connect:
If you're looking for a Fractional CIO, a technology transformation leader, or a consultant to optimize security, SaaS, or AI-driven risk analytics, let’s discuss how I can help drive measurable impact.
Experience
CTO
ProScore Technologies · Atlanta, Georgia, United States
Nov 2025 – Present(6 mos)
Focused on transforming the technology and product delivery organization to better support growth and scale. My work centers on strengthening engineering foundations, improving delivery predictability, modernizing architecture and DevOps practices, and tightening alignment between product, engineering, and the business. The goal is simple: build a disciplined, scalable SaaS platform and a technology organization that can execute consistently as the business evolves.
CTO - Cofounder
Masterkeys.ai · Atlanta, Georgia, United States
Jan 2025 – Present(1 yr 4 mos)
Excited to lead this charge and rethink cybersecurity—stay tuned for what’s coming!
Advisor / Fractional CIO/CTO
Confidential · Atlanta, Georgia, United States
Jan 2024 – Present(2 yrs 4 mos)
Telmac Group,Blackstone and Cullen,Axsys AI,THG Advisors: Deliver strategic and AI-powered consultative services across application development, CRM, HCM, ERP, supply chain, online retail, vendor management, and analytics. Provide risk-free audits, cost analysis, and technology assessments to optimize performance, scalability, and ROI. Partner with CIOs and CTOs to develop roadmaps, automate workflows, and align business, product, and technology strategies. Engagements span verticals including cannabis retail, construction, personal injury care coordination, and e-commerce—supporting transformation efforts across CRM, ERP, supply chain, design centers, patient intake, financial workflows, and campaign management. Leverage cross-functional collaboration to reduce costs, improve vendor relationships, and drive innovation through AI/ML, automation, and predictive analytics.
CIO
FINSYNC · Atlanta, Georgia, United States
Oct 2022 – Jan 2024(1 yr 4 mos)
Responsible for the design, strategy and technology associated with fraud, risk, and lending for Small Businesses. Using the latest advancements in big data and AI implemented the company’s first analytics system for financial scoring and decisioning with real time monitoring and AI modeling for fraud and risk
Sr. Vice President (Goldman Sachs acquired GreenSky)
Goldman Sachs · United States
Sep 2021 – Oct 2022(1 yr 2 mos)
Responsible for the strategy and technology associated with fraud, risk, and cybercrime. Using the latest advancements in big data and AI implemented the company’s first advanced warning systems with real time monitoring and AI modeling for fraud, risk, and cybercrime defenses.
SVP Head of Risk Science / CIO
GreenSky® · Atlanta, Georgia, United States
Jan 2018 – Oct 2022(4 yrs 10 mos)
Responsible for the strategy and technology associated with fraud, risk and cybercrime. Using the latest advancements in big data and AI implemented the company’s first advanced warning systems with real time monitoring and AI modeling for fraud, risk and cybercrime defenses
CIO/CTO
GreenSky® · Atlanta, Georgia, United States
Oct 2013 – Oct 2022(9 yrs 1 mo)
Responsible for all Information Services to support a rapidly expanding financial services provider to include: Application development, data center and network operations, call center and telecom operations, product/project management, data analytics, credit decisioning, application support and help desk management. Responsible for providing to the executive team a vision and strategy of new products and services as well as new enabling technologies that will continue to provide new sales channel opportunities that complement the instant consumer financing vertical space.
Advisory Board Member
GreenSky®
Jan 2013 – May 2022(9 yrs 5 mos)
Advisory Board Member
IT Central Station
May 2012 – May 2022(10 yrs 1 mo)
Fractional CIO/CTO
Thrive Farmers · Atlanta, Georgia, United States
Jan 2019 – Mar 2022(3 yrs 3 mos)
Provide Consultative Services for Application Development, CRM, HCM, ERP, Supply Chain, Online Retail, Packaging and Distribution, Vendor Management, Foreign Trade and Tracking, and Farm to Consumer Tracking.
CIO/CTO
Implantable Provider Group · Atlanta, Georgia, United States
Oct 2010 – Oct 2013(3 yrs 1 mo)
Responsible for all Information Services to support a rapidly expanding healthcare provider to include: Application development, data center and network operations, call center and telecom operations, product/project management, application support and help desk management. Responsible for providing to the executive team a vision and strategy of new products and services as well as new enabling technologies that will continue to provide new sales channel opportunities that complement the Implant Device Management vertical space.
CTO Consultant
Alere, Inc. · Atlanta, Georgia, United States
Mar 2010 – Oct 2010(8 mos)
Hired in to develop a technology road map to consolidate data centers, establish an architectural framework, assist with application and network performance, institute application monitoring and load testing and evaluate and define an organizational structure that would support the business objectives.
Vice President Information Technology (LexisNexis acquired ChoicePoint)
LexisNexis · Atlanta, Georgia, United States
Sep 2008 – Mar 2010(1 yr 7 mos)
Corporate-wide governance of Information Services, managing all computing resources and guiding the development and execution of the architectural vision across all platforms. Leads a shared services organization covering IT, telecommunications, security, data center operations, customer service, and corporate systems. Offers strategic insights and thought leadership to the executive team on key technological capabilities and emerging IT trends.
CIO / CTO
LexisNexis · Atlanta, Georgia, United States
Jul 2007 – Mar 2010(2 yrs 9 mos)
Corporate wide governance of Information Services for all computing resources, as well as development and execution of the architectural vision for all platforms. Runs a shared services organization for information technology, telecommunications, security, data center operations, customer service center and corporate systems. Provides thought leadership to the corporate executive team on key technology capabilities and information technology trends
Business Unit CIO & Chief Architect
LexisNexis · Atlanta, Georgia, United States
Oct 2004 – Jul 2007(2 yrs 10 mos)
Business unit wide governance of Information Services for all computing resources, as well as development and execution of the architectural vision for all systems within the business unit. Provides business information, telecommunications, data center operations, and office systems technologies to improve productivity across the organization. Provides thought leadership to the business unit executives on effective knowledge management of business information and technology.
Director IT - Enterprise Architect
The Home Depot · Atlanta, Georgia, United States
Oct 1997 – Oct 2004(7 yrs 1 mo)
Responsible for Enterprise Architecture to include: application runtime architecture, business growth initiatives, infrastructure planning/strategy, and total systems management for all lines of business. Key platforms include: POS, Refunds/Returns, Tool Rental, Gift Registry, Payment Processing, Gift Card Services, Special Orders/Services, Web Commerce, On-line Catalog Systems, Business Intelligence and Data warehouse, Merchandising Systems, Financial Systems, People Systems, Supply Chain/Logistics and Distribution Systems, Order Fulfillment, and Call Center Systems. Systems are designed to handle different types of operational business environments such as EXPO, The Home Depot core stores, Villagers, Home Depot Flooring Stores, Home Depot Supply, Home Depot Landscape and Supply, BMG, RMA, IPUSA, Your Other Warehouse, Apex Plumbing and Supply, Georgia Lighting and the Design Center.
Director
TheraTx · Atlanta, Georgia, United States
Oct 1994 – Oct 1997(3 yrs 1 mo)
Responsible for Enterprise Architecture, Network and Data Center Operations to include: application runtime architecture, business growth initiatives, infrastructure planning/strategy, and total systems management for all lines of business. Key platforms include: Web Commerce, Financial Systems, People Systems, Patient Charting and Clinical Systems, Claims Processing and Billing Systems, Business Intelligence and Data warehouse
Manager Information Technology
FFMC/Online Financial/MicroBilt · Atlanta, Georgia, United States
Oct 1991 – Oct 1994(3 yrs 1 mo)
Responsible for the technical and administrative supervision of all Client/Server systems, applications software and embedded systems development across multiple platforms and operating systems. Broad line of business knowledge within the Financial Market, specifically within Bank Branch Automation, Identity Verification, Credit Verification, Loan Approval and Authorization, Payment processing, Collections and Retail Financing and Sales, Leasing and Renting Applications, POS Development and Automotive Dealership Franchise Lending.
Head of back office POS systems development
Perdata POS Systems (a division of Prodata Systems NV, Belgium) · Clearwater, Florida
Oct 1986 – Oct 1991(5 yrs 1 mo)
POS systems for Corporate owned and franchised owned businesses
Lead Developer
American Computer Enterprises · Virginia Beach, Virginia, United States
Oct 1983 – Oct 1986(3 yrs 1 mo)
Saas based offering of Accounting Software for Corporate owned and franchised owned businesses.
Expertise
Specialties
