About
I'm an explorer with a passion for product building and inclusion, expertise in banking…
Articles by Lamine
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Meeting Tribulation with Triumph: Steady Success in a Shaky Year
Meeting Tribulation with Triumph: Steady Success in a Shaky Year
By Lamine Zarrad
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Another Recession is Coming. But This Time, We Have Fintech
Another Recession is Coming. But This Time, We Have Fintech
By Lamine Zarrad
Activity
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Today we are pleased to be coming out of stealth and announcing our Seed Round led by Foundation Capital (https://lnkd.in/gB4PrJF2). Since starting…
Today we are pleased to be coming out of stealth and announcing our Seed Round led by Foundation Capital (https://lnkd.in/gB4PrJF2). Since starting…
Liked by Lamine Zarrad
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Excited to announce Brico's Seed! Fintech founders should talk to Snigdha Kumar. Brico streamlines license acquisition and maintenance for -…
Excited to announce Brico's Seed! Fintech founders should talk to Snigdha Kumar. Brico streamlines license acquisition and maintenance for -…
Liked by Lamine Zarrad
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Seven years ago today, I launched Deciens Capital. In that time we have grown from a very modest project - backing some early stage fintechs - to…
Seven years ago today, I launched Deciens Capital. In that time we have grown from a very modest project - backing some early stage fintechs - to…
Liked by Lamine Zarrad
Experience
Education
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The University of Texas at Austin
MPAff at the LBJ School of Public Affairs with a focus on Public Finance and Advance Quantitative Methods.
Undergraduate degree from the University of Texas at Arlington BBA in International Business/Russian Studies.
Graduated in three semesters with a 3.89 GPA. Tested out of 66 hours. Dean's List.
Magna Cum Laude National Honor Society Scholar. Beta Gamma Sigma International Business Honor Society member. Member of the Slavic National Honor Society. -
Graduate coursework toward a Master of Liberal Arts degree. Focus on Applied Psychometrics. Special interest in Human Engineering.
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Activities and Societies: Varsity Football, Varsity Track and Field, International Thespian Society (ITS), Show Choir, JROTC, Recipient of the HOPE Scholarship.
Licenses & Certifications
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Series 66 Uniform Combined State Law Examination Qualification
Financial Industry Regulatory Authority (FINRA)
Issued -
Series 7 General Securities Representative License
Financial Industry Regulatory Authority (FINRA)
Issued -
Basic Sail Trim Course, Skipper Course, Maneuver Under Power Clinic
NauticEd - The World's Most Advanced Sailing Education and Sailing Certification
Volunteer Experience
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Innovation Council Member
FWD.us
- Present 7 years 2 months
Human Rights
The Innovation Council is a group of esteemed community and industry leaders who are committed to lending their influence and ideas to passing comprehensive immigration reform. Over the next two years, the Council will leverage the technology and business communities as well as the unique resources of your region to fix our broken immigration system as to allow entrepreneurs and innovators to stay here, grow companies and create jobs, and create a pathway to citizenship for undocumented…
The Innovation Council is a group of esteemed community and industry leaders who are committed to lending their influence and ideas to passing comprehensive immigration reform. Over the next two years, the Council will leverage the technology and business communities as well as the unique resources of your region to fix our broken immigration system as to allow entrepreneurs and innovators to stay here, grow companies and create jobs, and create a pathway to citizenship for undocumented immigrants.
The Council is the place where successful and idealistic entrepreneurs, innovators and influencers can pool their energy to innovate advocacy and communicate their important position on immigration reform with elected policymakers. -
Speaker
SourceMedia
- Present 9 years 1 month
Economic Empowerment
PayThink conference topic:
Reinventing the wheel: how decentralization technologies are extending banking to the unbanked.
Publications
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Create A Solid Plan On How To Fail Big This Year
Forbes
It’s safe to say that no one wants to end 2020 in failure.
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Viewpoint: For economy's sake, Texas shouldn't eschew refugees
Austin Business Journal
When we talk about refugees, we often focus on the suffering they endure fleeing their homelands. But here’s what often gets left out of the story: How those hardships shape our character and make us model immigrants.
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Why Reducing The Refugee Cap Is Bad Finance
Forbes
Refugees are natural entrepreneurs who create jobs and work hard, contributing significantly to the U.S. economy.
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The Gig Economy Is Larger Than A Niche (And How Fintechs Should Look For Their Niche Within It)
Forbes
The gig economy is much more than a growing segment — it’s a seismic shift in the economics of labor. So why aren’t banks and other financial providers rushing in to serve these workers?
Patents
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SYSTEM AND METHOD FOR ELECTRONIC PAYMENT PROCESSING AND RISK ANALYSIS
Issued US 20200219187
The present invention includes an inclusive electronic user transactional platform that provides access to banking, payments, and invoice features to help freelancers, independent contractors and other small businesses streamline the financial aspects of running a small or independent business. The centralized platform allows users to open a depository bank account or connect an existing bank account that is then connected to a merchant account, allowing the user to send or receive payments via…
The present invention includes an inclusive electronic user transactional platform that provides access to banking, payments, and invoice features to help freelancers, independent contractors and other small businesses streamline the financial aspects of running a small or independent business. The centralized platform allows users to open a depository bank account or connect an existing bank account that is then connected to a merchant account, allowing the user to send or receive payments via credit card or ACH. The third feature is an invoice assurance tool that allows users to send invoices to their customers and chose to either factor the invoice for a fee or access an instant line of credit backed by the invoice. The platform also offers incorporation services and integrations with other business tools such as bill pay, time tracking, taxes, expenses, and others.
Courses
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Bank Branch Management: Payment and Settlement Systems
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Bank Examining I & II
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Bank Secrecy Act/Anti-Money Laundering
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Capital, Earnings, Liquidity, Sensitivity to Interest Risk examination course
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Economics of Money and Banking
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Financial Engineering and Risk Management
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Loan Documentation and Credit Fundamentals
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Regulatory Compliance School
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Honors & Awards
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Built In Austin’s 50 Startups to Watch in 2020
Built In Austin
https://www.builtinaustin.com/2020/01/14/50-austin-startups-watch-2020
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Interactive Innovation Award (New Economy category) Finalist
SWSX
https://www.sxsw.com/interactive/2020/innovation-awards-finalists-announced-for-sxsw-2020/
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Most Influential Young Professionals of 2019
ColoradoBiz Magazine
Innovation Serves the Underbanked in the Financial System
Lamine Zarrad dreams up Joust, named top under-40 professional
https://www.cobizmag.com/People/Innovation-Serves-the-Underbanked-in-the-Financial-System/ -
New Economy Interactive Innovation Award Finalist
SWSX
https://www.sxsw.com/interactive/2017/interactive-innovation-awards-65-finalists/
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Builtin Colorado 50 startups to watch in 2017
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Languages
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Russian
Native or bilingual proficiency
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English
Native or bilingual proficiency
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French
Elementary proficiency
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Arabic
Elementary proficiency
Organizations
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American Corporate Partners
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- Present -
Beta Gamma Sigma International Business Honor Society
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- Present -
The Wall Street Warfighters Foundation
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More activity by Lamine
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The proposal by VP Harris to tax unrealized capital gains is distracting, poorly crafted, and unlikely to pass. The plan starts at $80m of "tradable…
The proposal by VP Harris to tax unrealized capital gains is distracting, poorly crafted, and unlikely to pass. The plan starts at $80m of "tradable…
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