JustiFi
At JustiFi, I led product and engineering for an embedded payments infrastructure company, helping scale the business from early stage to significant transaction volume while building AI-enabled engineering workflows.
About Nick Halm
Nick Halm
Good judgment grows from learning quickly, seeing the next useful move, and staying honest enough to refine the approach as the picture clears. That's how I work with the people I advise.
Perspective
The most useful move is often clearer with the right perspective.
I started my career building software, but the work has broadened over time. I've led engineering teams, built payments infrastructure, scaled product organizations, worked through compliance, helped shape business strategy, and sat close to the operating decisions that determine whether a company can keep moving as it grows.
Before working in technology, I served in the United States Marine Corps, including a deployment in support of Operation Iraqi Freedom. I was a non-commissioned officer, where I learned early that good judgment grows through learning what matters next, moving forward with the best view available, and staying honest enough to refine the approach as conditions change. That has shaped how I work with executives: helping them decide what matters now, move with confidence, and keep learning as the picture gets clearer.
What I've learned is that the most valuable work is often helping a capable team see which move creates the most progress now.
Start with the foundation
The ideas underneath the work.
Three cornerstone essays lay out the ideas underneath the advisory work: leverage, complexity, and where AI actually helps.
Experience Nearly 20 years
Payments $1B+ annual volume
Healthcare 100M+ claims in a year
Scope Product, engineering, AI, compliance
Operator background
Built from work close to the operating decisions.
My work has spanned software engineering, payments infrastructure, product strategy, engineering leadership, compliance, business development, and executive operating models.
Sezzle
Before JustiFi, I ran payments at Sezzle, overseeing $1B+ in annual transaction volume across multiple continents and launching new payment and issuing programs.
Tredium Solutions
Earlier, I was the first employee at Tredium Solutions. I wrote the original platform, hired and trained the engineering team, and designed the adjudication application that processed more than 100 million pharmacy claims in a year.
Why this work
The question is how effort becomes progress.
Growing companies usually have smart people, ambitious goals, strong tools, and plenty of activity. The useful question is how that effort can turn into progress more clearly.
Across those roles, I kept seeing the same pattern. As companies grow, complexity accumulates. Processes expand. Decisions have more inputs. Teams stay busy, and the path from effort to progress needs to be made visible again.
Process, tooling, and people all help when they are aimed at the right opportunity.
Start with clarity
Find the next move that helps the business move more clearly.
I help CEOs, founders, and leadership teams decide what to fix, what to leave alone, and what to do next.
AI, embedded fintech, product strategy, engineering effectiveness, and organizational design all matter. The work starts by connecting those tools to the outcome that would help the business move with more clarity.
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