Flagstar Bank, n.a. Expands Technology Leadership Team Accelerating the Bank’s Technology Architecture

Appointments Signal Next Phase of Customer Experience Modernization

Flagstar Bank, N.A. announced the appointment of five senior technology leaders to accelerate the next phase of its Simple and Sophisticated (“S2”) Bank platform transformation—the strategic initiative reshaping how more than one million customers interact with, experience, and benefit from Flagstar’s products and services.

S2 Bank Platform Transformation

The S2 initiative is Flagstar’s multi-year, comprehensive program to replace the complexity of three legacy banking environments with a unified, modern technology foundation built for the next decade of growth. S2 reimagines the Bank’s technology architecture around the customer journey, ensuring every investment improves the speed, simplicity, and intelligence of the banking experience.

The architecture was designed around a single idea that every customer touchpoint should be seamless, intelligent, and personal. From a business banker accessing a real-time Customer 360 view across deposits, lending, wealth, and mortgage to a private banking client receiving proactive insights powered by artificial intelligence, S2 is the engine that makes those experiences possible.

“We’re not just modernizing infrastructure; we’re fundamentally rethinking how technology serves our customers and our bankers. Every system built, every integrated platform, and every strengthened control must pass a simple test: does this make the experience better for the people we serve,” said Jason Pope, Executive Vice President, Chief Technology Officer, Flagstar Bank, N.A. “We’ve made strategic new hires to help bring this transformation to life because they’ve answered that question at scale, at institutions where the bar is set incredibly high.”

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New Technology Leadership Team

Reporting to Chief Technology Officer Jason Pope, these appointments expand Flagstar’s technology leadership team with proven expertise from institutions including JPMorgan Chase, U.S. Bank, MUFG, and Mastercard International.

• Christina Previti, Senior Vice President, Head of Technology Product: Previti joins Flagstar following 13 years at JPMorgan Chase, where she held leadership roles across strategy, technology product, operations, and human resources in New York and Hong Kong. She brings extensive experience leading operating model transformations and enterprise modernization initiatives to strengthen governance, improve execution, and enable sustained performance at scale. At Flagstar, Previti will lead the Enterprise Technology and Operations Services organization’s transformation to a product operating model, driving the shift toward outcome-focused technology delivery.
  
  
• Eric Gunn, Senior Vice President, Distinguished Engineer, Information Security: Gunn brings deep expertise in offensive security operations, cyber range development, and the application of machine learning to cybersecurity challenges. A named inventor on multiple U.S. patents, he has a demonstrated track record of translating advanced research into enterprise-grade security capabilities. Most recently, Gunn served as Vice President and Director of Adversary Emulation and Range Operations at U.S. Bank and previously held multiple roles at Mastercard International. As Distinguished Engineer for Information Security, Gunn drives technical strategy across Flagstar’s security organization, helping safeguard the bank’s infrastructure, customer data, and digital banking platforms.
  
  
• James Kratzer, Senior Vice President, Distinguished Engineer, Site Reliability Engineering: Kratzer brings over 15 years of experience spanning regulated financial services, global content delivery networks, and aerospace defense—a distinctive cross-industry perspective combining the high-availability, zero-downtime requirements of global infrastructure operations with the regulatory rigor of banking. He has focused on establishing enterprise cloud practices at large financial institutions, delivering secure, scalable solutions that drive operational efficiency having most recently served as Senior Manager Cloud Security at Silicon Valley Bank. At Flagstar, Kratzer leads the Bank’s pivot to Site Reliability Engineering (“SRE”).
  
  
• Robert Martin, Senior Vice President, Distinguished Engineer, Head of AI and Engineering: Martin brings more than three decades of experience designing, governing, and operating Identity and Access Management solutions across highly regulated industries. Prior to joining Flagstar, he served as Director of Technology Strategy and Incubation at MUFG where he designed and deployed global identity synchronization solutions and established AI risk governance frameworks. At Flagstar, Martin leads incubation efforts across the Chief Technology Office, and is advancing modern authentication capabilities, strengthening governance frameworks, emphasizing least-privilege access and segregation of duties, and driving platform consolidation initiatives. Additionally, he drives the identity and access management uplift to strengthen the consolidated organization and reduce risk, while also assuming leadership accountabilities across cloud, SRE, and platform.
  
  
• Justin Zimmerman, Senior Vice President, Distinguished Engineer, Cloud Services: With over a decade of experience, Zimmerman has spent his career designing and delivering enterprise-scale solutions at the intersection of cloud engineering, security, and automation. Most recently, he led governance and AI-driven compliance initiatives across AWS and Azure as a Principal Engineer at U.S. Bank. Zimmerman brings deep technical leadership to the Bank’s cloud platform strategy, infrastructure automation, and AI-enabled governance capabilities. At Flagstar, he spearheads the advancement of Flagstar’s cloud services capabilities, leading the team responsible for enterprise-scale availability and X-as-code automation across cloud service providers.

“Technology transformation at a bank this size is ultimately a customer experience transformation. The systems our customers never see—identity management, disaster recovery, data governance, cybersecurity—are the systems that determine whether their experience feels effortless or frustrating,” said Chris Higgins, Executive Vice President, Chief Information and Operations Officer, Flagstar Bank, N.A. “With these leaders in place, we’re accelerating our ability to deliver a unified, intelligent, and secure banking experience across every channel and every product line. That’s what S2 is about, and that’s what becoming a top-tier relationship bank requires.”

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