👋 I'm Ricky Graziosi — a payments and fintech product leader, writer, and educator.
I currently lead product for the Financial Platform (Issuing & Processing) at Block. Before that I spent years building card and money-movement products: as a Group/Lead Product Manager at Marqeta (digital wallets & tokenization, where I launched Web Push Provisioning — an industry first), a Technical Product Manager at PayPal (global card processing & acquiring), and earlier as a security engineer.
I teach the Anatomy of the Swipe payments masterclass and write Payments Demystified, a plain-English series on how modern payments actually work. I also teach payments through Anatomy of the Swipe.
This site is where I share what I'm learning across payments, health, personal finance, and life. Everything here is my own perspective, not professional advice.