JPMorgan commercial real-estate desk → residential and commercial buildouts on tight timelines → conceiving and prototyping internal software at Mercedes. Now pointed at one job: CFO of Warp Laboratory, Inc. — building Droplet, on-prem AI for regulated SMBs.
| Ref | Year | Domain | Project | Headline metric |
|---|---|---|---|---|
| C-01 | 2025–26 | Real Estate · Design, Budgeting & Construction Mgmt | Huntington Beach: a 4-bed remodel, permitted, in 30 days. | 30 days end-to-end |
Problem Industry standard is 6–8 months for a full structural remodel. We had to flip on a $175K budget without compromising the listing. Action Owned plans, permits, contractor selection, materials sourcing, and budget. Sequenced trades aggressively, kept inspectors in the loop, ran daily standups on site. Listing on Redfin ↗Outcome
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| C-02 | 2023 | Capital · Treasury Sales | JPMorgan TSS: a 60-client / $2.5B book, covered through the SVB crisis — and earned the title mid-engagement. | 60 / $2.5B book |
Problem Silicon Valley Bank collapsed in March 2023 and the senior associate on the desk stepped away. Sixty Treasury Sales relationships ($2.5B in coverage) needed full coverage on no-notice, with deployments and client questions in flight. Action Took the 60-client / $2.5B book (25 active, 35 passive) plus overflow as interim associate — still technically pre-hire. Drafted Product Letters, built the TS Matrix, modeled Pro Formas, kept detailed call notes, and partnered with internal services on white-glove deployments. JPMorgan offered the full Associate title in the middle of the engagement. Outcome
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| C-03 | 2022 | Capital · Underwriting | JPMorgan REB: ~11 large CRE deals, including a ~$1.0B mall and a ~$175M LA office. | ~11 |
Problem Real Estate Banking team needed to clear an annual revenue target while maintaining underwriting discipline across a varied submarket book. Action Underwrote ~11 large CRE deals as analyst, including a ~$1.0B regional mall and a ~$175M Los Angeles office (both closed). Operated in the team's underwriting models and learned them, ran submarket research, drafted credit memos, and authored a handover doc the next class of associates still uses. Outcome
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| C-04 | 2018 | Product · Zero-to-One | Major Incident Management (MIM): an incident-response app, designed and prototyped at Mercedes. | Designed, prototyped, scoped for rollout |
Problem Crisis communication between MBUSI (Alabama) and Mercedes Germany was scattered across email, phone, and shared drives during major incidents. Action Conceived and specified the Major Incident Management app — grouped contacts, embedded video, shared risk sheet, document upload, incident stopwatch. Took it from concept through prototype and stakeholder review; it was being scoped for future deployment after I left the program. Outcome
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| Period | Role | Detail |
|---|---|---|
| Feb 2026 – Present On-prem AI for SMBs | Chief Financial Officer Warp Laboratory, Inc. · Costa Mesa, CA |
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| Oct 2025 – Present Real Estate | Designer & Project Manager Bye Bye House · Irvine, CA |
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| Oct 2023 – Oct 2025 Real Estate | Acting Operator + Freelance Consultant Evans Newport Group · Independent consulting · Texas |
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| Oct 2023 – Oct 2025 Caregiver | Family caregiver |
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| Mar 2023 – Oct 2023 Finance | Associate, Treasury Sales JPMorgan Chase & Co. · Irvine, CA |
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| Jul 2020 – Mar 2023 Finance | Commercial Real Estate Rotational Analyst JPMorgan Chase & Co. · Irvine, CA | Treasury SalesAug 2022 – Mar 2023
Real Estate BankingJan 2022 – Jul 2022
Commercial Term LendingJul 2021 – Dec 2021
CRE StrategyMar 2021 – Jun 2021
CRE Digital Innovation (Product)Jul 2020 – Feb 2021
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| Apr 2020 – Jul 2020 Healthcare | Caregiver → Healthcare Coordination Manager Synergy HomeCare Franchising, LLC · St. Charles, IL |
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| Summer 2019 Finance | CRE Digital Summer Intern JP Morgan Private Bank · Palo Alto, CA |
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| Fall 2017 – Spring 2019 Product | Mercedes-Benz Co-Op MBUSI · Vance, AL | IT Client TeamFall 2018
IT InnovationSummer 2018
Investments & ProjectsFall 2017
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It is my pleasure to provide this recommendation for Samantha Rubinchik. I first met Samantha at a career fair on the campus of the University of Alabama. I attended the fair to recruit for positions in the Mercedes-Benz US International co-op program, and toward the end of a long day was approached by a very confident young woman with an impressive knowledge of Daimler AG and the production plant in Tuscaloosa. While her introduction was excellent, the substance of our conversation was quite impressive — she demonstrated that she understood the financial concepts and critical thinking that would make her a valued team member.
She excelled in the formal interview process and accepted the offer to join our program. I requested that she start her first rotation in my team and assigned her to the standard co-op task set. Very quickly she started to excel at her work and actively asked to be more involved and have additional tasks, showing high initiative.
She supported the process of steering the year-end use of capital investment to a minor (<1%) deviation by contacting the project teams to forecast what the spending per project line item would be at the close of the fiscal year. She worked extremely diligently and at one point actually had feedback on all ~1,000 project line items. This required her to get answers from Technical Managers and Project Leaders, which she did in a highly professional manner.
During her term, Mercedes-Benz US International was also involved in real estate purchases of several parcels of land for the site of our 2nd US campus in Woodstock, Alabama. This was a $250,000,000 project under my leadership. Samantha assisted me in multiple facets including analysis of site selection alternatives, creation of management briefings, and overall coordination of project meetings. Her private real estate experience and knowledge of the real estate world was a key success factor for the overall project (first operation, January 2019).
In addition, Samantha was allowed to facilitate the Investment and Project Controlling weekly team meetings. She accompanied me to the Career Fair to represent the best and brightest of the Mercedes-Benz US International Co-Op program, and to multiple speaking engagements at the University of Alabama, creating innovative and appealing presentation materials on her own with minimal guidance from me.
Samantha is in my opinion an exceptionally bright and gifted young woman who will succeed in any environment. I honestly believe that the more difficult tasks motivated her to push harder and get better results.
I was recently promoted to Sr. Manager of the Controlling team. During the selection process, Samantha challenged me on why I wanted the job, and what I was going to do with the department. These conversations proved invaluable to me during the actual interview process with a panel of 5 vice presidents and directors, where many similar questions were posed.
If your program is looking for superior candidates with a record of achievement, Samantha is an exceptional choice. She rises to any challenge facing her and pushes herself to learn what she needs for the overall success of the task. As I expected, she has quickly gained attention in the IT Department on the IT Innovation team with her Major Incident Management App that will be deployed plantwide. Samantha is also a team player — she created long-term relationships with several of our German interns and worked beyond my area to create a concept for a social network platform for interns and co-ops; along with some other students, this idea was implemented and is being used by all of our co-ops and interns.
To conclude, I would like to restate my strong recommendation for Samantha Rubinchik. She is an extraordinary asset to my organization and I feel strongly she would benefit any organization in which she works.
Warp Laboratory is building Droplet — an on-prem AI appliance for compliance-heavy SMBs. One box plugs into the network and replaces Dropbox, Microsoft 365 storage, Copilot, the router, and the Wi-Fi. AI runs locally on an NPU as a unified agent across files, cameras, smart devices, and access control — answering questions, summarizing camera footage, drafting emails, controlling Matter devices and network settings, all from a single chat tied to existing team identity. Every action passes a 3-tier safety system (reads run automatically; writes need confirmation; destructive operations are blocked by design). Private data never leaves the building. The CFO's job here is to fund the hardware roadmap, build a sane unit economic, and tell that story to investors and customers without watering it down.
My career has been the right kind of preparation. At JPMorgan I underwrote $540M+ of commercial real-estate deals and ran a 60-client Treasury book — risk modeling and stakeholder management at speed. At Bye Bye House I priced, permitted, and shipped physical projects on tight budgets where every variance was real cash. At Mercedes I designed internal software from a blank page.
A hardware-meets-AI CFO has to model BOM and margins, negotiate a credit facility, sit across from supply-chain partners, and translate engineering progress into a story investors believe. Range is the job — and it's why I'm here.
Built remote-onboarding rituals for analysts during COVID; authored LOB-aligned onboarding docs.
Ran meetings, grew membership, structured content to member goals.
Warp Laboratory, Inc. is building Droplet — an on-prem AI appliance for SMBs. One box plugs in and replaces Dropbox, Microsoft 365 storage, Copilot, the router, and the Wi-Fi; private data never leaves the building. Based in Costa Mesa, CA. I run capital, operations, and the financial story.