James Reggio

speaker

667 appearances 1 recordings 1 series first heard Jan 2026 last heard 17 Jan

James Reggio’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.

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Latent Space: The AI Engineer Podcast · Brex’s AI Hail Mary — With CTO James Reggio · 17 Jan 2026 podcast

The card issuer then has to put together like a three or four page word document that goes to uh the card network and then eventually goes to the acquiring bank.

And and all of that is like much more specific to our business.

It's a huge operational overhead for us.

And that's something that we we decided to automate later because it's not as uh it's not on the critical path of like serving the vast number of our customers.

Like disputes are expensive.

Expensive but not very common operational

process and so they're lower on the stack.

And uh I think we're we're getting there right now.

But this year has basically been us just kind of like looking at every single process, this kind of stack ranking.

And um I will say like the thing that got us started down this path um was we wanted to expand our ideal customer profile to support more business like a wider variety of commercial businesses, which tend to be businesses that aren't growing as quickly.

Uh, so they're not like tech startups, which have a lot of growth and they're not usually like they're not enterprises, which also tend to have a lot of growth.

It's more like a lawyer's, uh, a law firm or a dentist's office.

These types of like solid businesses that we should be able to serve and underwrite, but the cost to to onboard them and the cost to serve if you have all uh all the humans in the loop make them ROI negative.

And so that was the first sort of use case of of AI within our ops uh ops organization that then led to us really understanding we could automate much more than that.

Is this Brux going back into SMBs?

Ah, that's a good question.

Yeah, yeah.

So never never let let let that die.

Uh you know, you know, we um I think the way we thought about this is we want to always like offer our product to customers where we believe we have a like a an offering that is well suited to the to the needs of those businesses.

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