2025
2025
2025
TD Bank Visionary of the Year
TD Bank Visionary of the Year
TD Bank Visionary of the Year
2025 Visionary of the Year Nominee
2025 Visionary of the Year Nominee
In 2025 I was named a finalist for TD Bank's Visionary of the Year award for an invention I created alone:
Automated Adjustment of Visual Elements in a Personal FinancialManagement System.
Three finalists were chosen across the entire bank. The other twowere full teams. This was the only solo entry.
The invention makes money management feel alive. Change a savings goal and everythingconnected to it recalculates and redraws in front of you: budget categories rebalance,timelines shift, and recommendations appear before you commit. No mental math, nodisconnected screens, no guessing what a decision costs you.
It started with one question from user research: why don't we show people how theirsavings affect their budget, and how their budget affects their savings?
In 2025 I was named a finalist for TD Bank's Visionary of the Year award for an invention I created alone:
Automated Adjustment of Visual Elements in a Personal FinancialManagement System.
Three finalists were chosen across the entire bank. The other twowere full teams. This was the only solo entry.
The invention makes money management feel alive. Change a savings goal and everythingconnected to it recalculates and redraws in front of you: budget categories rebalance,timelines shift, and recommendations appear before you commit. No mental math, nodisconnected screens, no guessing what a decision costs you.
It started with one question from user research: why don't we show people how theirsavings affect their budget, and how their budget affects their savings?
In 2025 I was named a finalist for TD Bank's Visionary of the Year award for an invention I created alone:
Automated Adjustment of Visual Elements in a Personal FinancialManagement System.
Three finalists were chosen across the entire bank. The other twowere full teams. This was the only solo entry.
The invention makes money management feel alive. Change a savings goal and everythingconnected to it recalculates and redraws in front of you: budget categories rebalance,timelines shift, and recommendations appear before you commit. No mental math, nodisconnected screens, no guessing what a decision costs you.
It started with one question from user research: why don't we show people how theirsavings affect their budget, and how their budget affects their savings?
Launch the interactive case study
Problem Statement
People don't struggle with money because they lack discipline. They struggle because theylack clarity. Budgets and savings goals live on separate screens, connected in real life butdisconnected in every banking app. When a customer asks the most basic financialquestion there is, "if I do this, what happens to that?", today's tools answer with staticdashboards and leave the math to the customer. TD's own concept research found usersmisreading monthly totals, unsure whether a red number was a charge or a balance. Thatgap between decision and consequence is exactly where financial confidence breaks down.
People don't struggle with money because they lack discipline. They struggle because theylack clarity. Budgets and savings goals live on separate screens, connected in real life butdisconnected in every banking app. When a customer asks the most basic financialquestion there is, "if I do this, what happens to that?", today's tools answer with staticdashboards and leave the math to the customer. TD's own concept research found usersmisreading monthly totals, unsure whether a red number was a charge or a balance. Thatgap between decision and consequence is exactly where financial confidence breaks down.
My Role
Sole inventor, designer, and author. I identified the problem during user research,conceived the invention, wrote the patent submission, and designed the production-fidelity prototypes in TD's design language: three complete flows covering the warningpath, the positive path, and date-first editing. I built the business case, modeled therevenue projections for the Intellectual Property and Ideation Committee review, andpresented the work as the only solo finalist against team entries. I sit in TD's Human-Centered Design practice, and this work is that discipline end to end: from observedhuman struggle to patentable, defensible product thinking.
Sole inventor, designer, and author. I identified the problem during user research, conceived the invention, wrote the patent submission, and designed the production-fidelity prototypes in TD's design language: three complete flows covering the warning path, the positive path, and date-first editing. I built the business case, modeled the revenue projections for the Intellectual Property and Ideation Committee review, and presented the work as the only solo finalist against team entries. I sit in TD's Human-Centered Design practice, and this work is that discipline end to end: from observed human struggle to patentable, defensible product thinking.
Sole inventor, designer, and author. I identified the problem during user research,conceived the invention, wrote the patent submission, and designed the production-fidelity prototypes in TD's design language: three complete flows covering the warningpath, the positive path, and date-first editing. I built the business case, modeled therevenue projections for the Intellectual Property and Ideation Committee review, andpresented the work as the only solo finalist against team entries. I sit in TD's Human-Centered Design practice, and this work is that discipline end to end: from observedhuman struggle to patentable, defensible product thinking.
Sole inventor, designer, and author. I identified the problem during user research,conceived the invention, wrote the patent submission, and designed the production-fidelity prototypes in TD's design language: three complete flows covering the warningpath, the positive path, and date-first editing. I built the business case, modeled therevenue projections for the Intellectual Property and Ideation Committee review, andpresented the work as the only solo finalist against team entries. I sit in TD's Human-Centered Design practice, and this work is that discipline end to end: from observedhuman struggle to patentable, defensible product thinking.
Product Summary
Automated Adjustment of Visual Elements in a Personal Financial Management System isa dynamic visual engine for money decisions. As users interact, the system rebalances goals, recalculates outcomes, and redraws the interface in real time, using motion, scaling, and contextual highlights to focus attention where it matters. It detects when a goal has become unreachable and interrupts with specific, data-driven fixes instead of letting the plan quietly fail. And because it's built as one adaptive engine, the same logic scales from afamily's vacation fund to small business cash flow to wealth planning, across every line of business the bank serves.
Automated Adjustment of Visual Elements in a Personal Financial Management System is a dynamic visual engine for money decisions. As users interact, the system rebalances goals, recalculates outcomes, and redraws the interface in real time, using motion, scaling, and contextual highlights to focus attention where it matters. It detects when a goal has become unreachable and interrupts with specific, data-driven fixes instead of letting the plan quietly fail. And because it's built as one adaptive engine, the same logic scales from afamily's vacation fund to small business cash flow to wealth planning, across every line of business the bank serves.
Automated Adjustment of Visual Elements in a Personal Financial Management System is a dynamic visual engine for money decisions. As users interact, the system rebalances goals, recalculates outcomes, and redraws the interface in real time, using motion, scaling, and contextual highlights to focus attention where it matters. It detects when a goal has become unreachable and interrupts with specific, data-driven fixes instead of letting the plan quietly fail. And because it's built as one adaptive engine, the same logic scales from afamily's vacation fund to small business cash flow to wealth planning, across every line of business the bank serves.