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system-defrag.exe

Your tech is fragmented. I fix that.

George Rios — Fractional CTO · Insurance Technology & Systems Integration

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George Rios
Experience25+ years
FocusMGAs, TPAs, Brokers, Health Insurance Marketplaces
LocationRemote · US-based
Track record

Results That Count

  • Led a 5-year engagement at Catch Health — 400K+ member health insurance marketplace — as Sr. Dev / Tech Lead. Built the AI compliance monitoring platform and analytics integration layer unifying disparate carrier and broker data into a single reporting pipeline.
  • Built Insurancera — a self-hosted, AI-powered insurance management platform with 15+ integrated modules: agent/client management, commission matching, NIPR compliance, NPN lookup, policy admin, and marketing.
  • Built Scour (scour.georgerios.com) — a technology stack assessment tool that maps your entire landscape: automated inventory, health scoring, and a prioritized remediation roadmap. I use it on every engagement.
  • Also ship WorkJet (workjet.dev) — an AI workbench for teams routed through your own AI gateway for governance and cost control — and Worktale (worktale.org) — a privacy-first CLI that turns git history into structured work records. I build the tools I use.
  • Shipped broker management systems for Catch Health and FHK Insurance — policy admin to CRM to commission engine, end-to-end.
  • 30-day Systems Map delivered on every Embedded engagement — the first complete picture most brokerages have ever seen of their own stack.
Point of view

In My Voice

“Most MGAs and brokers don't have a technology problem. They have a fragmentation problem. Policy admin doesn't talk to CRM. Commissions live in spreadsheets. NIPR compliance is manual. A contractor wrote a sync script in 2019 and nobody knows what it does.”
“I don't sell you new software. I build the connective tissue between what you already have — and rip out what's redundant.”
“The Systems Map is the MRI before the surgery. Most leadership teams have never seen a complete picture of their own stack. That alone is worth the first month.”
Insurance Challenges / 06

Challenges I Solve for Insurance

01

Policy Admin ↔ CRM Integration

Collapse the gap between AMS360, Applied Epic, HubSpot, and Salesforce. One customer record, one source of truth, real-time sync — no more CSV exports at midnight.

02

Commission Engine & Statement Automation

Replace commission spreadsheets with a rules-driven engine that reconciles carrier statements, matches splits, and pays producers on time. Zero manual math.

03

NIPR Compliance & License Tracking

Automated NPN lookup, appointment tracking, and producer license renewal workflows. Stop finding out about lapsed licenses from a carrier denial letter.

04

Carrier & Data Vendor Integration

Unified integration layer for carrier APIs, EDI feeds, and third-party data vendors (D&B, rating bureaus, claims). One pipeline, not twelve.

05

Back-Office & Marketing Defrag

Collapse the sprawl across billing, accounting, email marketing, lead-gen, and broker portals into an integrated operating picture leadership can actually read.

06

Fractional CTO / Embedded Sprint

Embed for 90 days alongside your current leadership. Deliver the Systems Map in 30. Build the interop layers in 60. Hand off with knowledge transferred.

About

About Me

I'm a fractional CTO with 25+ years walking into fragmented technology landscapes and building the connective tissue. My background spans JPMorgan Chase merger infrastructure, Ernst & Young global SOX compliance systems, a 300-module legacy .NET migration at Kellstrom Aerospace, and five years as Tech Lead at Catch Health.

I build the tools I use — Insurancera for MGAs and brokers, Scour for stack assessment, WorkJet as an AI workbench for governed team AI, and Worktale for privacy-first proof-of-work. I write the code, design the architecture, and manage the vendors. No consulting-firm layer between the thinking and the shipping.

I work directly with CEOs and founders at $25-50M revenue brokerages and insurtech companies where 15-30 SaaS tools have accreted over years of growth — and nobody owns the full map.

Key Technologies19

C# / .NET TypeScript ASP.NET Core PostgreSQL SQL Server MySQL Snowflake ClickHouse Redis Docker NIPR / NPN Commission Engines Policy Admin APIs AMS360 / Applied Epic Salesforce HubSpot AI / LLM Integration MCP Cloud-agnostic deployments
Webgeorgerios.com
Practiceplsft.com
Platforminsurancera.com
LinkedInlinkedin.georgerios.com
01 / 02
“George transformed our legacy C# monolith into a modern, cloud-ready architecture. What we thought would take 18 months took 3 with his approach.”
Jay K.CEO, Insurance Brokerage Firm
02 / 02
“George's toolchain has become central to our development process. We're shipping features 3x faster with fewer bugs.”
Jeff J.Co-CEO, Search Marketing Firm
Engagement models

Engagement Models

Three ways to work together — from an embedded 90-day sprint to ongoing advisory. Every engagement starts with the same deliverable: a complete Systems Map within 30 days.

01Recommended

Embedded

A fractional CTO embedded in your operations, driving defragmentation end-to-end. I join your team, work alongside your people, and deliver measurable reduction in system fragmentation.

  • Full systems fragmentation audit: apps, databases, APIs, vendors, shadow IT
  • Systems Map delivered within 30 days — a living document of your entire tech landscape
  • Build interop layers, unified APIs, and data pipelines that collapse redundant systems
  • Hire, evaluate, and manage vendors and contractors against the integration roadmap
  • Weekly planning calls; daily async availability · 3-month minimum
02

Half-Day Systems Review

A focused 4-hour session to diagnose fragmentation and deliver an actionable consolidation plan. Ideal when you know something is off but need an outside perspective to pinpoint exactly where.

  • 7–14 day preparatory period to access repos, infrastructure, vendor contracts
  • On-site or remote deep-dive with technical and business stakeholders
  • Walk away with: Fragmentation Report, Integration Punch List, 90-Day Consolidation Roadmap
03

Advisor

A long-term advisory relationship to guide your integration roadmap after the initial engagement. Available after completing an Embedded sprint or Half-Day Systems Review.

  • Twice-monthly strategy calls to review progress, re-prioritize, and unblock
  • Quarterly roadmap refresh aligned to business goals
  • Unlimited async correspondence — email, Slack, or your preferred channel
  • Architecture review on new vendor selections and infrastructure changes · 6-month minimum
// the thesis

Why defragmentation beats “more software”

Everyone over 30 remembers watching their hard drive defragment — scattered blocks consolidating into contiguous space, the system getting faster as the gaps close. Your brokerage is no different.

At $25–50M, you have 15–30 SaaS tools. The same customer record lives in four different databases. Someone in operations spends 20 hours a week exporting CSVs from one system and re-uploading them to another. Nobody planned this — it accreted.

I don't rip and replace. I map the landscape, build the connective tissue, and consolidate what's redundant. Same tools, better throughput. Same hardware, faster system. 30 days to a Systems Map. 90 days to measurable reduction.

Discovery call

Your tech is fragmented. I fix that.

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