F Forbes · 8 Under 18  
New York  ·  2026

Rafael
Velasquez

I help the world's largest financial institutions navigate crypto compliance before the regulatory window closes. At EY, I advise the banks that move markets. Outside of it, I build software and write science fiction.

EY Financial Crimes
HostHelper
The Blood Remembers

Based in New York, I work at the intersection of financial crime compliance and emerging technology. At Ernst & Young, I support some of the largest financial institutions in the world on AML programs, crypto compliance, and the regulatory technology built around them — translating complex regulatory requirements into systems that actually hold up in practice.

Outside of EY, I build software. HostHelper started as a problem I wanted solved: short-term rental hosts were managing properties across too many disconnected tools, with no intelligence tying them together. I designed the system I wanted to exist and started building it. ClearChain came from the same instinct — enterprise AML tools cost $50K+ a year and output a risk score with zero explanation. I built the open-source alternative: multi-chain screening (ETH, BTC, Tron, Solana), OFAC checks, 7 typology detections, and AI-generated SAR drafts. JS and Python SDKs published. Launching on ProductHunt May 3rd.

I also write. The Blood Remembers — a science fiction series set 750 years from now. 20+ chapters in.

In 2026, the focus is simple: ship. HostHelper goes to market, ClearChain builds its compliance user base, and a social platform launches that ties the real estate community together. I'm not interested in building for the sake of building — I want products that generate real revenue and solve real problems.

Currently
Technology Consulting Staff · Ernst & Young
Building HostHelper — AI STR management
Writing The Blood Remembers — Book I
Selective about
Advisory engagements worth taking
Technical leadership at early-stage companies
Conversations that go somewhere
Stack
Next.js · TypeScript · Supabase · Vercel
Python · Claude AI · REST APIs
Off Hours
Weightlifting & training
Building side projects
Reading

In development · Beta

HostHelper

Problem

Most STR hosts juggle four to six disconnected tools and still answer guest messages at 2am. No single platform covers guest support, direct booking, revenue tracking, and operations — and Airbnb takes a cut on every reservation.

What I built

HostHelper consolidates all of it — AI-powered guest support, a direct booking engine, revenue tracking, and automated operations in one platform. The direct booking layer gives hosts a property-branded web app that takes reservations with zero platform fees.

6→1
Tools consolidated
0%
0% platform fees
24/7
AI guest support
Next.js TypeScript Supabase Vercel Claude AI PostgreSQL Edge Functions
hosthelperhub.com
Now accepting early-access hosts. If you manage STR properties and want to be first on the platform, reach out directly.
Request access
AI Guest Portal
Claude-powered support that handles check-in, FAQs, and property questions — without a human on call
Owner Dashboard
Revenue tracking, occupancy analytics, maintenance logs, and booking calendar in one view
Direct Booking
Property-branded web app that takes reservations directly — no platform cut
Automated Ops
Checkout checklists, maintenance alerts, guest QR codes, and scheduled automations

Live · Multi-Chain Open Source

ClearChain

Problem

Enterprise blockchain analytics (Chainalysis, Elliptic, TRM) cost $50K–$100K/year and output a risk score with zero actionable guidance. They tell you a wallet scored 87 — they don't explain why it looks like layering, which FATF typology it maps to, or what you'd write in a SAR. Small compliance teams are left doing that work manually.

What I built

ClearChain closes the last mile that enterprise tools deliberately skip. Multi-chain screening across Ethereum, Bitcoin, Tron, and Solana — with OFAC/SDN checks, 6-signal risk scoring (0–100), 7 FATF/FinCEN typology detection, AI-generated compliance narratives, and SAR drafts. Ships a JS SDK (npm install clearchain-sdk) and Python SDK (pip install clearchain). Free, open source, no account required.

4
Chains supported
7
FATF/FinCEN typologies
2
SDKs published
Next.js TypeScript Supabase Alchemy Claude AI D3.js Vercel
Risk Scoring Engine
Six weighted signals — OFAC match, mixer interaction, rapid layering, high-risk counterparty, volume anomaly, community flags
AI SAR Draft Generator
Claude generates a FinCEN-style Suspicious Activity Report narrative — downloadable, editable, audit-ready
Counterfactual Simulator
Toggle individual risk signals on/off to model what the score would be under different scenarios — built for compliance analysts
Transaction Graph
Force-directed D3 visualization of wallet connections — OFAC-flagged nodes highlighted, layering hops visible

Work & Education

Ernst & Young
Sep 2024 – Present
New York, NY
Technology Consulting Staff
Financial Services Operations · Financial Crimes
  • Primary advisory resource for one of the world's most systemically important banks — leading their enterprise-wide crypto compliance initiative across AML/BSA, transaction monitoring, investigations, VASP risk, and sanctions
  • Identified illicit finance exposure across DeFi and crypto-to-fiat pathways through blockchain typology analysis — findings directly shaped client regulatory strategy and control posture
  • Delivered risk strategy decks and control effectiveness assessments reviewed by C-suite and board-level leadership at top-tier global institutions
  • Prepared the full transaction monitoring and screening control suite for a Federal Reserve examination — covering a GSIB's entire digital asset customer data governance posture
GSIBs AML / BSA Crypto Compliance Transaction Monitoring FinCEN / FATF / OCC Federal Reserve Digital Assets
Ernst & Young
Jun – Aug 2023
New York, NY
Technology Consulting Intern
Financial Services Operations · Financial Crimes
  • Supported a transactional security improvement initiative for a financial services client, contributing to fraud risk analysis and internal control gap identification
  • Developed original research on AI applications in financial crime detection — exploring machine learning use cases in AML, fraud surveillance, and sanctions screening
IEX Exchange
Jun – Aug 2022
New York, NY
Software Engineer Intern
Engineering
  • Architected and built a new GUI for TINA20, IEX's internal testing framework, improving test accuracy and performance evaluation for financial products
  • Collaborated cross-functionally with QA, SWE, and SRE teams in an agile environment — contributing to sprint planning, code reviews, and deployment workflows
Villanova University
Aug 2020 – May 2024
Villanova, PA
B.S. Computer Science
College of Engineering
GPA 3.8 Dean's List · 6× Club Basketball President Forbes 8 Under 18

Point of View

Software isn't eating the world anymore.
Agents are.

The SaaS era gave companies tools. The agentic era gives them workers. AI agents don't just assist workflows — they replace them entirely. The compliance analyst who spent eight hours reviewing transaction alerts. The support team answering the same onboarding question at 2am. The developer writing boilerplate for the fifteenth time. These aren't jobs being augmented. They're being absorbed.

The companies building with this assumption now — not "AI-assisted" but "AI-operated" — are compounding an advantage that won't be catchable in two years. They're not faster. They're structurally different.

Services-as-Software isn't a product category. It's a business model shift. When an AI agent can execute a 20-step compliance workflow end-to-end, the unit economics of that service collapse. The same work costs 10x less to deliver. The firms that internalize this first will reprice their competitors out of existence.

The question isn't whether your industry gets restructured. It's whether you're the one doing the restructuring or the one being restructured. The window to be on the right side of that line is shorter than most people think.


Skills

Financial Crimes
AML / BSA Transaction Monitoring KYC / CDD Risk Assessment RegTech Crypto Compliance Blockchain Analytics
Development
TypeScript Python Next.js React Node.js PostgreSQL REST APIs
AI & Automation
Claude / Anthropic Prompt Engineering Agentic Pipelines Workflow Automation CRON
Infrastructure
Vercel Supabase GitHub CI / CD Edge Functions Serverless

In progress · Book I
The Blood Remembers
Science Fiction · Three-book series

750 years from now, a civilization of eight billion people is running on the architecture of one man's design — and no one knows it. A story about inherited memory, bloodlines, and the weight of someone else's grief.

The world runs on mnemoric proteins — a biological technology that encodes emotional memory into DNA and passes it forward at birth. Not facts, not stories. Just feelings, stripped of context, inherited like eye color. The deeper your bloodline, the higher your standing.

20+ chapters written. Full world bible. Building it slowly, the right way.

Let's talk.

I work with a small number of teams and institutions each year. If you think there's a fit, let's find out.

Opening your email client — I'll reply same day.
Schedule 20 minutes →
or reach out directly

Based in New York, NY  ·  Open to remote or hybrid

Rafael Velasquez