Product & Transformation · U.S. Navy (Ret.) · Jacksonville, FL

OPERATOR. SCHOLAR. BUILDER.

Nate Young

I listen to what people need and to what's in their way — then build the experience that overcomes and delivers. The domain changes. The mission doesn't.

Product & AI Transformation · BofA Navy EOD · LCDR (Ret.) Deep Sea Diver SAFe 6 POPM · PSPO-AIE Microsoft Copilot Champion Small-business advisor DBA candidate · UF Baker County LPA board
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About

Complex environments.
Clear delivery.

I work where operations, technology, and people collide. At Bank of America, I lead automation of manual operational processes end to end — from requirements with the team doing the work, through build and handoff, to sustained ownership — while supporting enterprise AI integration and training. Before that, I owned the Insurance & Annuities product platform for Merrill, including e-signature modernization across 12 annuity carriers inside a large-scale SAFe environment. The common thread is translating competing priorities across compliance, operations, and engineering without formal authority over any of them.

Before financial services, I spent 23 years in the U.S. Navy as an EOD officer, Deep Sea Diver, and Special Operations leader — regularly advancing objectives through coalition forces and interagency organizations where the authority to compel was rarely available and the ability to build alignment was everything. The domain changed when I retired. The discipline didn't. Most product leaders learned stakeholder alignment in conference rooms. I learned it in places where getting it wrong wasn't an option.

I'm a Microsoft Copilot Champion at BofA and now support the bank's AI integration and training efforts directly — advancing adoption inside an institution still building the governance infrastructure around it. That work feeds my DBA research at UF's Warrington College of Business on AI governance in large U.S. financial institutions. Technology is rarely the hard part. Adoption, trust, and governance are — and that's where I work.

Nate Young

Credentials & Certifications

  • // PN2 Master Health Coach — Precision Nutrition
  • // SAFe 6 POPM — Scaled Agile
  • // PSPO-AIE — Scrum.org
  • // TS/SCI · CNWDI — Security Clearance (Inactive)
  • // DBA Candidate — UF Warrington (exp. 2028)
  • // M.S. Applied Economics — SNHU
  • // B.S. Workforce Education — SIU Carbondale
  • // U.S. Navy · LCDR (Ret.) · EOD & Spec. Ops
Product Strategy Digital Transformation Process Automation Change Management AI Governance AI Enablement Stakeholder Mgmt OKRs & Metrics Systems Thinking Influence Without Authority

Experience

The career arc.

2026 — PresentJacksonville, FL

Bank of America

AVP — Process Automation & AI Enablement

  • Leads automation of a manual enterprise billing process, partnering with the operations team that owns the work to design, build, and transition a system my team will maintain long-term.
  • Supports enterprise AI integration and training initiatives, driving adoption of AI tools across operational teams.
  • Applies product discipline to internal platforms — discovery with the people doing the work, measurable baselines, and ownership past launch.
Process Automation AI Enablement Change Management Digital Transformation
2024 — 2026Jacksonville, FL

Bank of America · Merrill

AVP Product Owner — Insurance & Annuities

  • Owned the Insurance & Annuities product platform for Merrill across regulatory compliance, enterprise technology, and advisor-facing delivery.
  • Led e-signature modernization to 100% deployment across 12 annuity carriers, cutting carrier onboarding testing from ~100 to ~20 test cases and compressing cycle time.
  • Managed a stakeholder ecosystem across compliance, legal, distribution, and engineering in a large-enterprise SAFe Agile environment.
Product Ownership SAFe Agile Insurance & Annuities Stakeholder Management Financial Services
2001 — 2024Worldwide

United States Navy

Lieutenant Commander — EOD & Special Operations

  • Retired as a Lieutenant Commander (O-4) after a career spanning nine years as a Navy Deep Sea Diver, fourteen as an EOD officer, and sixteen as a Naval Parachutist.
  • Led multinational EOD and special operations teams across austere environments worldwide — regularly advancing U.S. interests through foreign partner forces, coalition units, and interagency organizations where formal authority was limited and influence was everything.
  • Developed deep expertise in building trust across cultural and institutional lines, aligning people with vastly different incentive structures toward shared outcomes — without the authority to compel any of them.
  • Held TS/SCI · CNWDI security clearance.
Special Operations EOD Deep Sea Diving Influence Without Authority Foreign Partner Operations TS/SCI · CNWDI
2024 — PresentMacclenny, FL

Baker CrossFit · N+1 Ventures LLC

Business & Strategy Advisor · Property Owner

  • Advises Baker CrossFit, owned and run by head coach Paige Young, on strategy, pricing, marketing, and service-line development — focused on discovery: identifying what members actually need and building the programs and systems that deliver it.
  • Owns the gym's new facility through N+1 Ventures LLC and leads the expansion into a historic 1946 masonry building in Macclenny.
  • Stays member-facing — gathering feedback, closing gaps in the member experience, and running the same discovery-to-delivery loop that defines good product work.
Small Business Strategy Member Experience Discovery & Development Facility Development

Contact

Let's talk.

Open to conversations about product, transformation, and AI enablement leadership — particularly where delivery means navigating real organizational friction. I respond to every message.

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