Prepaid, debit, neobank, or alternative financial services experience, including direct deposit acquisition dynamics; exposure to next-best-action or propensity models; familiarity with a CDP (Segment, mParticle, Amperity) and modern data warehouse workflows. Design and launch multi-step, multi-channel programs across email, SMS, push, in-app, direct mail, and paid retargeting spanning onboarding, activation, direct deposit adoption, engagement, retention, and reactivation.