Professional résumé

Eric Rhea

Principal Engineer · Banking, retail, and applied AI

I build reliable systems and help teams make clear technical decisions.

West Des Moines, Iowa, United States

ericrhea.com linkedin.com/in/ericrhea

This page is designed to print cleanly using your browser’s Print or Save as PDF command.

Summary

Principal Engineer with two decades across banking, retail, and AI. One of the original engineers behind SmartyPig and CorePro, the cloud-native banking-as-a-service core that became Q2 Helix — a platform powering fintech brands including Credit Karma, Gusto, and Betterment. I also built the CorePro-powered education-savings experience for Sallie Mae’s Upromise program. Alongside a decade of platform architecture in consequential financial systems, I run an active public practice in applied AI: agent systems, small-model training, public build competitions, talks, and published research.

My operating focus is straightforward: turn ambiguity into explicit decisions and interfaces, reduce surprise, and grow the judgment that lets teams maintain a high standard without a single-person bottleneck.

Professional record

Principal Engineer, Helix · Q2

Nov 2021 – Present · Des Moines, Iowa · At Q2 since Dec 2015

  • One of the original engineers and technologists behind CorePro, the cloud-native banking-as-a-service platform that became Helix — technology that powers leading fintech brands including Credit Karma, Gusto, and Betterment.
  • Responsible for software architecture that shapes how teams deliver solutions impacting the banks and fintechs on the platform; actively unblock teams on division-level initiatives.
  • Established the Architecture Review Board for Helix and a founding member of the Q2 Security Champions Program.
  • Drive artificial-intelligence adoption across the division and the broader Q2 organization, supporting multiple teams and stakeholders; frequently requested speaker on Helix and AI topics.
  • Published practical guidance on generative AI, risk, privacy, human review, and applications for embedded finance.

Sources: LinkedIn profile · Helix by Q2 article archive and author biography.

President · RTS, Inc.

Sep 2008 – Present · Independent management consulting

  • Presiding advisor to projects undertaken by the company across multiple niche sectors.
  • Arkitome — a mixed-realities company exploring VR and AR on the edge, featured by MSI and at industry conferences.
  • HikingDogCo — a premier e-commerce brand for active-lifestyle enthusiasts and their dogs.

Senior Software Architect · Social Money

Sep 2011 – Dec 2015 · Des Moines metro

  • Founding engineer behind SmartyPig, the goal-based social savings platform that reached $212M in deposits by its second year; the product later moved to Sallie Mae Bank in 2015.
  • Part of the founding start-up team that generalized the SmartyPig engine into CorePro, a cloud-native banking core.
  • Built the education-savings experience for Sallie Mae’s Upromise program — the first Sallie Mae project — on CorePro.
  • Social Money was acquired by Q2 Holdings in 2015 as its next-generation digital deposit platform.

Sources: The SmartyPig and Upromise product lineage · Upromise partnership coverage.

Independent Contractor · Robert Half Technology

Jul 2007 – Dec 2011 · Technology consulting

  • Provided project and product management alongside hands-on technical and business expertise across a wide range of products and projects for high-profile clients.
  • Wellmark Blue Cross Blue Shield — health-insurance systems work supporting the Affordable Care Act.
  • Pioneer Hi-Bred — biotech research and development tooling for one of the world's leading seed companies.
  • Jacobson Logistics — logistics automation for a major third-party logistics provider.
  • Sport Graphics — innovative sport-management solutions.

Engineering leadership practice

More than a decade of decisions and artifacts

  • Decision-making and architecture work spanning reviews, escalations, postmortems, operating standards, and team development.
  • Leadership method centered on explicit goals, interfaces, ownership, next steps, and definitions of good.
  • Published the recurring principles and anti-patterns as an inspectable Leadership OS.

Source: How I Wrote This OS and Identity & Purpose.

Education

Massachusetts Institute of Technology — Sloan School of Management

Executive Certification Program

Purdue University

Graduate

Certifications

Microsoft Professional Program — Artificial Intelligence Certificate

Microsoft · January 2019

Honors & awards

Gold Medal, Fencing — Iowa Games

July 15, 2023

First-place finish on the podium at the Iowa Games, Iowa's statewide amateur athletics festival presented by Grinnell Mutual.

Silver Medal, Fencing — Iowa Games

2025

Second-place finish; interviewed in WHO13's coverage of the Iowa Games summer events and their 10,000 participants.

WHO13: Iowa Games celebrates summer events

Eric Rhea atop the Iowa Games podium with the fencing gold medal, 2023
Gold-medal podium · Iowa Games 2023
Eric Rhea with the Iowa Games fencing silver medal, 2025
Silver medal · Iowa Games 2025

Areas of practice

Every skill below is backed by published work — 513 pages of it. Click any chip to open the Frontier Atlas filtered to the receipts.

Selected public work

AI leadership briefing · DMACC

A practical briefing on turning AI pilots into governed, cross-functional capability across product, engineering, and operations.

Talk summary and takeaways

AI discussion · P3+Uplift Tech Yeah! meetup

Led the community AI discussion (January 2026), including how finding value with AI can create the next set of bottlenecks.

Session archive with photos · host recap on LinkedIn

Spring Into AI and Summer Into AI

Public build competitions with visible rules, prompts, submissions, scoreboards, and published learning artifacts.

Spring archive · Summer archive

Applied research and experiments

Working artifacts and field notes across agent systems, model evaluation, local inference, generated worlds, and engineering workflows.

Research · Model training · Agent guides · Frontier Atlas

Leadership principles

  • Make the work legible. Name the decision, interface, owner, and standard.
  • Design for change. Reliability includes the ability to evolve without creating hidden risk.
  • Leave evidence. Working artifacts, source notes, and public receipts carry more trust than unsupported claims.
  • Scale judgment. The goal is a team that can uphold quality without routing every choice through one person.