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Michael Lopez

Index

Career

Projects

Expertise

Achievements

Off the clock

Patterns

Engineering leader · Founder · Mesa, Arizona

Michael Lopez: When the right tool doesn’t exist, I build it.

Thirty years in software. Today I lead a 26-engineer global organization, run Clarity Technologies — the consultancy I founded in 2014 — and own two junior hockey teams whose software I wrote myself.

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Everything here is connected. As you scroll, the map lights up the part of the story you’re reading. Click any point to wander off on your own.

The threadWhat it touches

More about me

About

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

Connected to

Chapter 01

Two tracks, one career.

Since 2014 my career has run on two parallel tracks. On one, I lead engineering organizations — in regulated industries where hand-waving doesn’t survive an audit.

On the other, I build software independently through Clarity Technologies, for clients in financial services, healthcare and IoT.

30
years across engineering, architecture and leadership
26
engineers in the global team I lead today
$50M+
in rebate and loyalty programs on a platform I led
10 mo
from nothing to a production-ready POS prototype
3
active ICE Mortgage Technology certifications

LEADING

A 26-engineer global organization

Development, automation, modernization and AI. The unglamorous discipline that makes releases boring.

BUILDING

Clarity Technologies, since 2014

Architecture strategy and full-cycle delivery — increasingly centred on AI and agentic automation.

THE PATH

Individual contributor to founder

  1. Individual contributor
  2. Director
  3. VP
  4. Founder
More detail — 9 entries

Career

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

Connected to

Career

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

Connected to

Career

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

Connected to

Expertise

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

Connected to

Achievement

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

Connected to

Achievement

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

Connected to

Achievement

B.A.S. Technology Management

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

  • Northern Arizona University
  • Flagstaff, AZ (2014)

Connected to

Chapter 02

Build, don’t buy.

Twice, in two different organizations, a commercial point-of-sale product stopped fitting the business — and twice I replaced it with a custom build. One went from nothing to a production-ready prototype in ten months.

Analysis still happens first. But when the right tool doesn’t exist, build it.

Retail

Custom point-of-sale platforms

Two commercial products replaced with in-house builds — better UX, scale and cost each time.

Mortgage

Broker loan origination platform

A .NET platform for one of the largest mortgage brokerages in the U.S. — APIs across LOS, CRM, ERP and third parties.

Loyalty

Promotions & incentive platform

$50M+ in global rebate and loyalty programs, a channel incentive engine and 100+ rebate sites.

IoT

Sensor telemetry platform

LoRaWAN sensors with thresholds, escalation, auto-resolution and SMS/email alerting.

More detail — 11 entries

A pattern

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

Connected to

Project

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

Connected to

Achievement

Prototype in 10 months

A custom point-of-sale platform taken from nothing to a production-ready prototype in ten months, replacing a commercial product, with a hybrid onshore/offshore team.

  • Commercial platform replaced
  • Production-ready prototype in 10 months
  • Hybrid onshore/offshore delivery

Connected to

Project

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

Connected to

Project

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

Connected to

Achievement

$50M+ programs

Technology leadership for global rebate and loyalty programs exceeding $50M across hundreds of client brands.

  • $50M+ in global programs
  • Hundreds of client brands
  • 100+ consumer-facing properties

Connected to

Project

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

Connected to

Expertise

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

Connected to

Expertise

.NET / C#

The through-line of the whole career. C#, .NET, SQL and the SDK-level work that extends enterprise platforms rather than merely configuring them.

  • C#, .NET, VB.NET, SQL
  • Python, TypeScript, JavaScript, Node.js
  • SDK applications, plugins and platform extension
  • Performance tuning of critical workflows

Connected to

Chapter 03

Run it, then build it.

Seven years in Phoenix youth hockey turned into something most people wouldn’t attempt: I own and operate two junior hockey organizations — the Salt Lake Ghost Riders and the Hudson Havoc.

A team is a business: players, staff, host housing, schedules, budgets. So I wrote the software that runs them.

I’m my own first customer. The requirements come from the rink, not a backlog.

League Manager

Registration, rosters, trades and waivers, scheduling and in-app document signing. Fifteen business modules on .NET 10 and React 19.

Team Manager

The multi-tenant layer above a single team: subscriptions, usage metering and invoicing — money stored as integer cents, never floats.

Billet Manager

Junior players live with host families. This matches athletes to homes — an unglamorous, genuinely hard problem.

More detail — 8 entries

A pattern

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

Connected to

Off the clock

Hockey

Seven years in youth hockey in Phoenix, Arizona. Mentoring and supporting young athletes, and coaching the same things that matter at work: dedication, teamwork, showing up.

  • Seven years in Phoenix youth hockey
  • Mentoring young athletes
  • Long-standing community involvement

Connected to

Project

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

Connected to

Project

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

Connected to

Project

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

Connected to

Chapter 04

AI you can trust.

The same instinct now points at AI. At Clarity the work is agent architecture, private inference and automation — systems where models do the judgement and deterministic tools do the arithmetic.

And data doesn’t leave the building unless it should.

Built by a father of five

SafeTube

A parent-controlled viewing platform where every video is reviewed before a child can watch it. AI reads the captions and metadata; parents approve or block — and revoking access stops playback already in progress.

In active development

A private AI cluster

Two nodes running open-weight models locally, routed by job: fast, reasoning, or burst for the genuinely hard problems.

Agent orchestration

Specialised agents that are packaged, permissioned and delegated to by a broker — not left to spawn each other freely.

Care for caregivers

Decision support and a companion iOS app for people caring for loved ones with dementia.

THE TOOLBOX UNDERNEATH

.NET & C# · Azure & AWS · SQL Server to Qdrant · APIs & integration · LoRaWAN · Encompass & ICE · RAG & model routing

More detail — 10 entries

Career

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

Connected to

Expertise

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

Connected to

Project

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

Connected to

Project

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

Connected to

Project

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

Connected to

Project

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

Connected to

Expertise

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

Connected to

Expertise

Data platforms

Relational, document and vector stores, plus the warehousing and reporting layers that make them useful to a business.

  • SQL Server, PostgreSQL, Oracle, MySQL
  • Cosmos DB, Supabase, Qdrant
  • Data warehousing and ETL
  • Power BI and Tableau reporting

Connected to

Chapter 05

Off the clock.

Home is Mesa, Arizona — married, five kids, and a house full of cats and dogs.

Football is the second season to hockey. And every chance I get, it’s a flight to Maui, the one place I keep going back to.

Education: B.A.S. in Technology Management, Northern Arizona University, 2014.

More detail — 3 entries

Off the clock

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

Connected to

Off the clock

Football

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

  • Lifelong follower
  • Runs alongside the hockey calendar

Connected to

That’s the story. Now wander it yourself.

The map

Explore how it all connects.

Every project, skill and team on this site is a point on the map. Follow a thread, or click any point to see what it touches.

  1. Hockey — seven years in youth hockey in Phoenix.
  2. Salt Lake Ghost Riders — then owner/operator of a junior team.
  3. Run it, then build it — running it showed what software was missing.
  4. League Manager — so I built it myself.
  5. Clarity Technologies — and it lives under my own company.

Hover a point to see its name. Click it to see everything it connects to.

Building something like this?

Consulting, technology leadership, AI and automation. There’s no résumé to download on purpose — a conversation is the best path to detail.

The easiest way to reach me directly is email.