Matt Rider
Co-Founder & Managing Partner
Former Fortune 500 CIO | AI Governance | Enterprise Transformation | Board Advisory
Matt Rider helps boards, CEOs, private equity firms, and technology leaders solve complex enterprise challenges where technology, business strategy, risk, and execution intersect. As Co-Founder and Managing Partner of Lumerai Advisors, he advises organizations on enterprise transformation, AI governance, cybersecurity resilience, operating model modernization, and post-merger integration, drawing on more than twenty-five years of executive leadership inside some of the world’s largest and most highly regulated organizations.
Before co-founding Lumerai Advisors, Matt served as CIO for Wells Fargo Home Lending, CIO at Franklin American Mortgage, CIO of Mortgage Technology at Citizens Financial Group, and held senior technology leadership roles at JPMorgan Chase and Bank One. Throughout his career, he has led global technology organizations of more than 2,500 professionals, managed technology portfolios exceeding $300 million, guided organizations through acquisitions, regulatory transformation, and large-scale modernization initiatives, and helped lead technology integration efforts during the 2008 financial crisis.
Today, Matt works with boards and executive teams to align technology investments with business strategy, strengthen governance, accelerate AI adoption responsibly, and improve enterprise decision-making. His experience leading organizations through periods of significant change shapes both his advisory work and his thought leadership on the evolving role of technology leadership in modern enterprises.
At a Glance
More than two decades leading enterprise technology organizations through transformation, growth, and periods of significant change.
25+
Years
Executive Technology Leadership
2,500+
Technology Professionals
Global engineering, infrastructure, cybersecurity, data, and product teams.
$300M+
Annual Tech Investment
Technology portfolios spanning applications, infrastructure, cloud, cybersecurity, and operations.
15+
Acquisitions Led & Integrated
Technology due diligence, integration planning, and post-merger execution.
5
Enterprise Mergers
Including Lehman Brothers, Washington Mutual, Citizens Financial Group, and other strategic integrations.
Fortune 500
Executive Leadership
CIO and senior technology leadership across Wells Fargo, JPMorgan Chase, Citizens Financial Group, and Franklin American Mortgage.
Executive Leadership at Scale
Leadership experience across globally recognized financial institutions, guiding technology through transformation, growth, mergers, and regulatory change.
Executive Advisory Expertise
Operator-led experience across the strategic, operational, and technology challenges facing modern enterprises.
Enterprise
Strategy
Aligning technology investment, operating models, and execution with long-term business objectives.
Enterprise Transformation
Leading modernization initiatives that simplify operations, improve execution, and accelerate business performance.
AI Governance & Decision Systems
Helping organizations adopt AI responsibly while strengthening governance, accountability, and enterprise decision-making.
Cybersecurity & Operational Resilience
Strengthening cyber maturity, technology risk management, regulatory readiness, and operational resilience.
Operating Model Modernization
Designing technology organizations, product operating models, governance structures, and delivery capabilities that scale.
Technology Due Diligence & M&A
Supporting acquisitions, integrations, divestitures, and technology assessments throughout the investment lifecycle.
Executive Leadership & Board Advisory
Serving as a trusted advisor to boards, CEOs, CIOs, and executive leadership teams navigating complex technology decisions.
Financial Services Transformation
Deep expertise across banking, mortgage, lending, payments, and highly regulated financial institutions.
Industries Served
Financial Services • Retail Banking • Commercial Banking • Mortgage Lending • Consumer Lending • Private Equity • Manufacturing • Retail & eCommerce • Technology Services
Career Highlights
A career defined by leading technology through transformation, regulatory change, mergers and acquisitions, and moments when execution mattered most.
LUMERAI ADVISORS
Co-Founder & Managing Partner
Matt co-founded Lumerai Advisors to help boards, CEOs, private equity firms, and technology leaders navigate the strategic decisions shaping modern enterprises. Drawing on decades of executive operating experience, he advises organizations on enterprise transformation, AI governance, operating model modernization, cybersecurity resilience, technology due diligence, and executive leadership.
Highlights
- Advises executive teams on complex technology and business transformation initiatives.
- Guides organizations in the responsible adoption and governance of artificial intelligence.
- Provides independent technology due diligence and post-merger advisory services.
- Helps technology leaders strengthen operating models, execution discipline, and long-term enterprise value.
WELLS FARGO
Chief Information Officer, Home Lending Technology
Recruited to help modernize one of the nation’s largest mortgage technology organizations during a period of heightened regulatory scrutiny, Matt led enterprise-wide technology transformation while restoring execution discipline, simplifying operations, and strengthening governance across a complex technology portfolio.
Highlights
- Led more than 2,500 technology professionals supporting one of the largest mortgage platforms in the United States.
- Managed annual technology investment exceeding $300 million.
- Introduced a product operating model spanning more than 140 agile delivery teams.
- Accelerated automation, cloud modernization, and digital transformation while reducing technology costs and improving delivery performance.
JPMORGAN CHASE
Senior Technology Executive
Over nearly two decades, Matt held progressively larger leadership roles across commercial banking and enterprise technology, helping modernize critical banking platforms while leading technology through one of the most consequential periods in modern financial services.
Highlights
- Helped lead technology integration during the acquisition of Lehman Brothers and Washington Mutual following the 2008 financial crisis.
- Led enterprise modernization across commercial lending, core banking, ERP, and integration platforms.
- Directed globally distributed technology organizations supporting mission-critical banking operations.
- Advanced product delivery through modernization, automation, and engineering excellence.
FRANKLIN AMERICAN MORTGAGE
Chief Information Officer
Matt transformed technology into a strategic business capability by modernizing infrastructure, strengthening cybersecurity, accelerating digital innovation, and building the leadership team required to support sustained growth and future acquisition.
Highlights
- Built the company’s first enterprise cybersecurity organization and recruited its first Chief Information Security Officer.
- Modernized infrastructure through virtualization, cloud adoption, and data center consolidation.
- Introduced advanced automation, machine learning, and digital capabilities to improve business performance.
- Technology leadership became a strategic differentiator supporting the company’s acquisition by Citizens Financial Group.
CITIZENS FINANCIAL GROUP
Chief Information Officer, Mortgage Technology
Following Citizens’ acquisition of Franklin American Mortgage, Matt led the integration of technology organizations while helping unify platforms, operating models, governance, and delivery capabilities across the combined enterprise.
Highlights
- Directed technology integration following one of the industry’s significant mortgage acquisitions.
- Unified technology organizations, governance structures, and operating practices.
- Supported enterprise modernization across lending platforms and customer experience.
- Helped establish a scalable technology foundation for long-term growth.
Leading Through Defining Moments
The most valuable technology leaders are often shaped by the moments that test organizations the most. Throughout his career, Matt has repeatedly been entrusted to lead technology through periods of transformation, uncertainty, and enterprise change.
2008 Financial Crisis
Helping integrate Lehman Brothers and Washington Mutual into JPMorgan Chase during one of the most consequential periods in modern banking history reinforced the importance of disciplined execution, resilience, and enterprise leadership under pressure.
Enterprise Transformation
Leading large-scale modernization initiatives across infrastructure, cloud, applications, product operating models, and digital capabilities while simplifying technology organizations and improving business outcomes.
Regulatory Confidence
Leading large-scale modernization initiatives across infrastructure, cloud, applications, product operating models, and digital capabilities while simplifying technology organizations and improving business outcomes.
Cybersecurity Leadership
Built Franklin American Mortgage’s first enterprise cybersecurity capability, recruited its first Chief Information Security Officer, and strengthened cyber resilience through governance, controls, and operational maturity
Mergers & Acquisitions
Led technology due diligence, integration, and operating model alignment across more than fifteen acquisitions and five enterprise mergers, helping organizations realize strategic value while minimizing operational disruption.
Decision Architecture
These experiences shaped Matt’s belief that sustainable enterprise performance depends not only on technology, but on building organizations capable of making faster, better, and more accountable decisions.
These defining moments shaped a leadership philosophy that continues to guide Matt’s work today: technology creates opportunity, but disciplined leadership and sound judgment determine enterprise success.
Executive Insights
Drawing on decades of executive operating experience, Matt writes about the strategic decisions shaping enterprise technology, AI governance, cybersecurity resilience, operating models, and the evolving role of the modern CIO.
Every article reflects a principle developed through real-world executive leadership—not theory. From leading technology through the financial crisis and regulatory transformation to advising organizations on AI governance and enterprise modernization, Matt’s perspectives are grounded in the realities of operating at scale.
The modern CIO is no longer a technologist – they’re an architect of enterprise decisions.
The Rise of Systems of Judgment: Why AI Requires a New Enterprise Architecture
The Architecture of Authority: Why AI Is Reshaping Enterprise Leadership
"Technology has become increasingly accessible. Competitive advantage now comes from how effectively organizations govern decisions, align execution, and adapt to change."
Explore Matt's Executive Insights
Explore articles, frameworks, and executive perspectives on AI governance, enterprise transformation, cybersecurity resilience, operating models, and the future of technology leadership.