Sean Graham

Role: Expandup Embedded Finance Architecture
Location: Charlotte, NC, US
LinkedIn followers: 500 followers

OtherView LinkedIn profile

About Sean Graham

I build and scale the systems that move money. Not just products. Not just…

Experience

Expandup Embedded Finance Architecture
Present

Education

University of North Carolina at Charlotte
BA, Economics
Queens University of Charlotte
Master of Business Administration - MBA
Queens University of Charlotte
MBA

Skills

Commercial Lending
Blue Ocean Strategy
Executive Management
Operations Management
Innovation
Payments
Lead Generation
Vendor Management
Debit Cards
Financial Analysis
Retail Banking
Business Development
Risk Assessment
Wealth Management
Credit Cards
Financial Risk
Ach
Process Engineering
Business Analysis
Technology
Technology Solutions
Credit Analysis
Strategic Planning
IT Strategy
Commercial Banking
Financial Services
Insurance
Loan Servicing
Finance
Portfolio Management
Creative Problem Solving
Contract Negotiation
Start-Ups
Loans
Investments
Underwriting
Credit Risk
P&L Management
Mortgage Lending
Leadership

Contact information

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Work email
•••••@expandup.com
Personal email
•••••@•••••.com
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Current company

Expandup Embedded Finance Architecture

Financial Services · 3 employees · Charlotte, North Carolina, United States

Most embedded finance programs don’t fail because of technology. They fail because the system was never designed. ExpandUp is an embedded finance architecture firm. We design the system that connects: • Software platforms (distribution) • Sponsor banks (compliance & money movement) • Payments infrastructure (execution layer) Before vendor decisions lock in the wrong structure. What we do We define and build embedded finance programs from architecture through launch: • Payments model design (BaaS, MTL, PSP, hybrid) • Sponsor bank strategy and program structure • Infrastructure selection and system design • Compliance and regulatory framework • Monetization and unit economics • End-to-end program build and launch execution We operate at the architecture layer—where economics, risk, compliance, and scalability are determined. What we’ve built and scaled • Payments platforms built from scratch across ACH, RTP/FedNow, cards, and check • AI-driven payment execution, intelligent routing, and fraud detection systems • Two-sided payment networks connecting buyers, suppliers, and financial institutions • Industry-leading payment monetization models across AP and embedded finance ecosystems • High-volume transaction systems processing tens of billions annually This is not theoretical design. It’s applied system architecture informed by real-world execution. Why it matters Most teams select vendors first, then design around constraints. That approach limits economics, slows execution, and creates rework. We reverse that. Architecture-first programs: • Launch faster • Capture stronger margins • Avoid vendor lock-in and structural rework • Scale without rebuilding core systems We’re not a vendor. We don’t sell infrastructure. We design the system that makes embedded finance work.

expandup.com

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