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Executive Strategy · AI Transformation · MilaTech · New York | Miami | Los Angeles | Berlin | Kyiv

Liudmyla Cherniakova

professionally known as Mila Chernik · Founder, MilaTech
CHIEF OPERATING OFFICER | CHIEF PRODUCT & TRANSFORMATION OFFICER | ENGINEERING, PRODUCT, AI & ENTERPRISE STRATEGY | GLOBAL LEADERSHIP

Strategic technology and operations executive with 18+ years of experience leading SaaS, AI, fintech, e-commerce, cybersecurity, and digital platform businesses across North America and EMEA. Trusted partner to CEOs, founders, investors, and boards in defining corporate strategy, leading organizational transformation, and driving enterprise-wide execution. Extensive experience scaling technology organizations, modernizing operating models, and aligning product, engineering, operations, finance, and commercial functions to deliver sustainable growth and long-term enterprise value. Combines executive business leadership with technical fluency to translate complex market, product, and operational challenges into measurable business outcomes.

SaaS · AIDigital Payments$100M+ ARR P&L · $50M BudgetEnterprise TransformationExecutive Advisor Open to Remote US/EUWilling to Relocate
Liudmyla Cherniakova (Mila Chernik) — Executive Strategy & AI Advisor, MilaTech
18+Years Leading
$100M+
ARR Delivered
$20M
Revenue Growth
200K
DAU After Migration
100+
FTE Led Globally
Who I Am

Executive Operating Partner at the Intersection of AI, Strategy & Business

I am Liudmyla Cherniakova — known professionally in the U.S. as Mila Chernik, and founder of MilaTech — an executive advisory practice serving fintech, e-commerce, retail, banking, and payments companies with $10M–$200M ARR across the U.S. and Europe..

Companies engage me when they need an executive who can think like a CEO and execute like a COO/CTO/CPO. I bring together strategic vision and operational discipline — helping organizations close the gap between where they are and where their technology, people, and operating model need to be.

I have served as Chief Operating Officer and strategic counterpart to the CEO, co-defining corporate strategy, leading enterprise-wide transformation initiatives, and overseeing P&L responsibility across a $50M operating budget within a business scaled to $100M+ ARR. I have built and led cross-functional organizations of 100+ professionals, designed scalable operating models, and delivered measurable outcomes across fintech, SaaS, hospitality, e-commerce, retail, banking, cybersecurity, and edtech.

$50M
P&L Managed
100+
FTE Directed
40%
Sprint Velocity Gain
50%
Turnover Reduction

Core Leadership Areas

AI
AI Strategy & Enterprise TransformationLLM deployment, agentic workflows (n8n), AI governance frameworks, AI operating model design ahead of regulatory requirements
$
P&L & Revenue Growth$50M budget ownership, revenue forecasting, GTM execution, $20M revenue growth, $5M–$8M incremental revenue delivered
💳
Digital Payments & FinTechVisa/Mastercard operations, payment rails, eCommerce checkout, digital wallets, ACH/SEPA, PCI DSS, 3DS
Org Design & Team ScalingBuilt organizations 40→90+ FTE, reduced turnover 50%, mentored PMs to 80% promotion rate within 12 months
🔒
Cybersecurity & ComplianceEnterprise security transformation at CIO level, ISO 27001, GDPR, PCI DSS, SOC 1/2, HIPAA, EU AI Act
Cloud & Technical ArchitectureAWS microservices migration (4K→200K DAU), Azure/GCP/OCI, API integration across Visa, Mastercard, PayPal, Apple Pay

Education & Executive Development

Organizational AnalysisStanford University · 2026
Organizational Leadership SpecializationNorthwestern University · 2026
AI Agents: From Prompts to Multi-Agent SystemsUniversity of California, Davis · 2026
Business Foundations SpecializationWharton Executive Education · 2025
AI Product ManagementDuke University · 2025
Master's in Finance · Bachelor's in EconomicsBukovina University · 2007–2008 · WES-evaluated U.S. equivalent

Selected Certifications & Executive Education

  • Google Digital Marketing & E-commerceGoogle · Coursera Professional Certificate · 2024
    Google
  • Program Management Professional (PgMP)Project Management Institute · 2023
    PMI
  • The AI Awakening: Economy & SocietyStanford University · 2026
    Stanford
  • Data-Driven Decision-Making for Agile OrganizationsDuke University · 2026
    Duke
  • AI Product ManagementDuke University · 2025
    Duke
  • AI Infrastructure and Operations FundamentalsNVIDIA · 2025
    NVIDIA
  • Business Foundations SpecializationWharton Executive Education · 2025
    Wharton
  • Product Strategy and RoadmappingMicrosoft · 2025
    Microsoft
  • Digital Product ManagementUniversity of Virginia (Darden) · 2024
    UVA
  • PMI® Authorized PMP® Practice ExamProject Management Institute · 2023
    PMI
Advisory & Fractional Leadership

How I Can Help Your Organization

I partner with CEOs, founders, and boards as an Executive Advisor or COO to lead complex business and technology transformations — aligning strategy, people, product, and operations to deliver measurable growth and performance.

01

Executive Strategy & Corporate Planning

Translating board-level vision into actionable operating plans — portfolio prioritization, OKR/KPI frameworks, annual planning, and organizational alignment built on experience taking SaaS businesses from $0 to $100M ARR.

  • Corporate & portfolio strategy
  • OKR / KPI operating models
  • Board-level planning & reporting
02

AI Strategy & Implementation

Enterprise AI leadership that moves organizations from experimentation to execution. I help CEOs, founders, and executive teams turn AI into measurable business outcomes through operating model design, governance, automation, and enterprise-wide implementation.

  • AI strategy and executive roadmap
  • Use-case prioritization and ROI assessment
  • AI operating model and governance design
  • Executive AI enablement and decision-support systems
  • Workflow automation and AI orchestration (n8n, ChatGPT, Claude, Microsoft Copilot)
  • Cross-functional AI implementation across Operations, Product, Finance, Sales, and Customer Success
  • AI vendor evaluation, platform selection, and implementation oversight
  • Change management and workforce AI adoption
  • Responsible AI governance and EU AI Act readiness
  • Board and executive AI advisory
03

Operational Excellence

Operating as Chief Operating Officer — owning P&L, cross-functional execution, PMO governance, and delivery cadence. Proven across companies scaling from 30 to 100+ FTE without losing velocity.

  • PMO design & Agile-at-scale delivery
  • Process improvement & CI/CD optimization
  • Cost reduction & infrastructure optimization
04

Digital Payments & FinTech Advisory

Deep expertise across card network operations, payment rails, and eCommerce checkout — from Visa/Mastercard integration to digital wallet deployment. Deep expertise spanning card issuance operations, digital wallet deployment, and enterprise SaaS payment platform integration.

  • Payment rails & digital wallet integration
  • PCI DSS, 3DS, chargeback & dispute management
  • eCommerce & POS platform optimization
05

Product Strategy & Technology Modernization

SaaS portfolio strategy, roadmap prioritization, cloud migration, and engineering org design — translating complex technology decisions into measurable business outcomes for founders and executive teams.

  • SaaS product strategy & roadmapping
  • Cloud migration & microservices architecture
  • ERP / CRM / POS platform integration
06

Compliance, Security & Risk Alignment

Enterprise cybersecurity transformation and regulatory compliance built into transformation itself — not bolted on. Delivered programs at the CIO level in regulated, high-security environments across financial services and enterprise technology.

  • ISO 27001, GDPR, CCPA, PCI DSS, HIPAA, SOC 1/2
  • Enterprise security transformation programs
  • AI governance & risk framework design
Who I Serve

Organizations I Work With

🚀

SaaS & Technology

$5M–$200M ARR companies scaling product, engineering, and operations across North America and EMEA.

🏦

FinTech & Digital Payments

Fintechs and banks modernizing payment infrastructure, digital wallets, and card network operations.

🤖

AI-Native & Enterprise AI

Companies moving from AI experimentation to production — deploying agentic workflows, governance, and measurable ROI.

🏢

CEOs, Founders & Boards

Executive teams that need a COO-level operating partner to scale strategy, operations, and organizational execution.

🏛

GovTech & Public Sector

Government agencies, municipal authorities, and public sector organizations deploying digital tools, software, and platforms to modernize public services and operations.

Discuss an Engagement
Career History

Professional Experience

Nov 2021 – Present
Executive Director, Strategy | Chief Operating Officer
HS-Soft · New York, NY · Berlin, Germany
  • Serving as Chief Operating Officer and strategic counterpart to the CEO — co-defining corporate strategy, holding enterprise-wide accountability, and representing the company in board-level presentations. Full executive authority during CEO absences.
  • Leading 10 cross-functional teams of 90+ professionals across Engineering, Data Science, Product, Marketing, Sales, and Customer Success — launched applications 3 months ahead of schedule, achieved $100M ARR in Year 1.
  • Own financial performance across $50M operating budget including P&L, revenue forecasting, cost optimization, and investment prioritization supporting a business scaled to $100M+ ARR.
  • Founded and scaled enterprise PMO and agentic AI capabilities; conceived company's first agentic AI workflow strategy (n8n), eliminating 15+ hours of manual work per week and establishing AI governance 6 months ahead of regulatory requirements.
  • Drove technology modernization roadmap — reducing operating costs by $300K annually, improving throughput by 80%, and compressing release cycles from 3 weeks to 9 days through Agile-at-scale and CI/CD transformation.
  • Architected API integrations with Visa, Mastercard, PayPal, Apple Pay, Google Pay, and Venmo — enabling omnichannel checkout for 600+ merchant accounts. Lowered employee turnover by 50%.
Sep 2013 – Nov 2021
Director of Program and Product Management
Movex · Kyiv, Ukraine
  • Directed SaaS, ERP, CRM, HR/Payroll portfolios for fintech and banks; led 100+ FTE across Engineering, Product, and Operations — driving $20M revenue growth in partnership with CTO and Founder.
  • Established PMO overseeing $30M+ portfolios; standardized Agile/OKR delivery; scaled organization from 30 to 100+ employees reporting directly to CEO.
  • Identified digital payments as an underserved market gap and originated net-new revenue stream via card network, digital wallet, and ACH/SEPA integration. NPS +30; 80% of junior PMs promoted within 12 months.
Sep 2013 – Nov 2021 (Part-Time Advisory)
Founder · CEO
MilaTech · U.S. & Europe
  • Founded and operated independent technology advisory practice serving 12+ mid-market and enterprise clients ($10M–$200M ARR) across fintech, banking, SaaS, and payments in the U.S. and Europe.
  • Advised founders on payments infrastructure, GTM strategy, pricing, and engineering org design — delivering average 25% improvement in operational efficiency.
Sep 2008 – Sep 2013
General Manager
Oschadbank · Kyiv, Ukraine
  • Led banking modernization across 10 branches at an 18,000+ FTE state bank — redesigning processes, cutting service time by 20%. Built deep expertise in Visa/Mastercard card issuance, dispute resolution, and chargeback management.

Case Studies

Enterprise engagements across cybersecurity, AI operations, SaaS product, fintech, and PMO transformation.

HS-Soft · SaaS Platform · 2021–Present

CashAssist Ecosystem — Enterprise POS & Hospitality Platform

Owned strategic product vision and enterprise execution of an AI-ready SaaS suite spanning retail POS, tableside hospitality, and production planning across North America and EMEA. Architected payment infrastructure integrating Visa, Mastercard, Apple Pay, Google Pay, and PayPal across 600+ merchant accounts.

↗ $100M ARR in Year 1 · Launched 3 months ahead of schedule
HS-Soft · AI Automation · 2021–Present

Enterprise PMO & AI Operating Model

Stood up the company's first enterprise-grade operating model — unifying fragmented teams, introducing governance rhythms, and embedding agentic AI automation (n8n) to eliminate operational drag. Established AI governance standards 6 months ahead of regulatory requirements.

↗ 30% productivity gain · 15+ hours/week recovered · 50% turnover reduction
AI Operations · National B2B Marketplace · 2024

US Marketplace Expansion & AI-Powered Customer Operations

Served as Interim COO leading end-to-end design and execution of a national B2B marketplace expansion — unifying licensed professionals from all 50 U.S. states onto a single platform. Built operational, compliance, and customer experience infrastructure from the ground up. Deployed LLM-powered conversational AI to automate customer responses for order inquiries, license questions, and product support.

↗ Response time cut 60% · 45% of tier-1 tickets deflected autonomously
Enterprise Security · Global B2B Software · 2023–2024

Enterprise Cybersecurity Transformation Program

Delivered enterprise cybersecurity transformation in partnership with executive leadership at a 5,000+ FTE global B2B software leader in IT management and security solutions — operating in a regulated, high-security environment with direct accountability to the CIO. Architected end-to-end program governance, modernized threat defense and vulnerability management, and ensured compliance with global cybersecurity standards.

↗ Delivery accelerated 30% · C-level decision cycles compressed 40%
Movex · FinTech · 2020–2021

Credit Origination & Scoring Intelligence Platform

Led end-to-end design and delivery of an enterprise credit origination and risk decisioning platform for a commercial bank — automating the full credit lifecycle from digital borrower onboarding through multi-stage risk review, automated scoring, and structured audit documentation. Integrated with Ukrainian Credit Bureau, YouControl, FICO, and judicial registries.

↗ Decision cycles 10–14 days → under 3 days · Manual re-entry cut 70%
MilaTech · Banking & GovTech · 2019

Automated Enforcement Execution System — SAP Integration

Led design and implementation of an automated enforcement execution module integrated with SAP for a major international bank — enabling fully automated processing of court-ordered account freezes, asset seizures, and liens across retail and corporate portfolios.

↗ Processing time: days → minutes · Zero manual intervention across debtor portfolios
Core Competencies

Areas of Expertise

Leadership & Strategy

Business StrategyP&L · $50M BudgetOrg DesignC-Suite CommunicationOKRs/KPIsBoard ReportingPMO GovernanceRisk ManagementVendor ManagementFP&AWorkforce Planning

AI & Technology

AI/LLM DeploymentAgentic Workflowsn8nAI GovernanceAWSAzureGCPOCIMicroservicesDevOpsChatGPT · Claude · GeminiAmazon SageMakerMySQL · PostgreSQL

Payments & FinTech

Visa/Mastercard OpsPayment RailsDigital WalletseCommerce CheckoutACH/SEPAPCI DSSChargeback MgmtTokenization3DSStripe · PayPal · Wise

Product & Delivery

Product StrategyRoadmappingGTMSaaSERP/CRMAgile/Scrum/SAFeCI/CDA/B TestingJira · ConfluenceProductboard · Aha!

Tools & Platforms

Jira · Jira AlignProduct Portfolio Managementn8nMS ProjectSalesforceHubSpotZendeskShopifySAPWorkdayNetSuitePower BIFigmaMiro AINotion AIZapierSlack · GitLab

Compliance & Security

ISO 27001SOC 1 · SOC 2GDPR · CCPAPCI DSSHIPAAEU AI ActFinancial RegulatorySecurity OpsAzure/Kubernetes RBAC

Recognition, Memberships & Credentials

Advisory Board Member — National University San Diego, CA · Ongoing · Advises on AI and cloud program management best practices; improved student-industry engagement by 20%.
Board Membership
🏆
Program Management Professional (PgMP) — PMI 2023 · One of fewer than 3,000 PgMP-certified professionals globally. Recognizes demonstrated ability to manage multiple complex programs at enterprise scale.
Elite Certification
🏛
Member — Project Management Institute (PMI) Contributor to thought leadership on hybrid project delivery methodologies and AI-driven program management practices.
Professional Association
AnitaB.org Member Member of AnitaB.org — the global organization connecting, inspiring, and guiding women in computing. AnitaB.org advances the careers of women in technology worldwide.
Professional Membership
Phoenix Pro Connect Professional Network Part of the Phoenix Pro Connect professional network — a curated community advancing women leaders in technology, engineering, and executive management across the United States.
Professional Membership
📚
Published Author — AI & Enterprise Strategy · SSRN · ResearchGate Published on SSRN, ResearchGate, DOU.ua (886K+ members), and LinkedIn. Research and practitioner articles on autonomous AI agents, enterprise operating models, ethical AI in product leadership, and digital transformation. Published under legal name Liudmyla Cherniakova.
Publications
💼
Enterprise Technology Leadership at Scale Track record of measurable outcomes at scale across North America and EMEA: $100M+ ARR growth, $20M revenue expansion, cybersecurity transformation at the CIO level, and organizational scaling from 30 to 100+ FTE across fintech, SaaS, and enterprise technology.
Exceptional Ability
Critical Role at Distinguished Organizations Held critical COO/Executive Director-level roles at HS-Soft ($100M ARR) and Movex — organizations distinguished in their respective fields — alongside enterprise program leadership at an American-based global B2B software leader in IT management and security.
Leadership Recognition
Thought Leadership

Publications & Industry Contributions

Articles, research, and industry contributions by Liudmyla Cherniakova (Mila Chernik) on AI strategy, enterprise transformation, and operational leadership. New articles are added automatically — paste any URL below to add a publication card.

LinkedIn Article · 2026

Beyond the Chatbot: How AI Is Rebuilding the Enterprise Operating System

Explores how AI moves beyond conversational interfaces to become a structural operating discipline — covering agentic workflows, autonomous operations, and practical frameworks for scaling AI from pilot to production in enterprise environments.

Read on LinkedIn →
DOU.ua · Published Article · 2026

Beyond Chatbots: Autonomous AI Agents as an Operational Discipline in Business Scaling

Published on DOU.ua — Ukraine's leading tech platform (886K+ members). Covers five architectural models of autonomous AI agents, practical implementation case studies from enterprise fintech and SaaS environments, and a framework for scaling AI from experiment to production.

Read on DOU.ua →
LinkedIn Post · AI Ethics & Product Leadership

Ethical AI & Product Management Leadership

Industry contribution on ethical AI adoption in product management and leadership — covering responsible AI governance, decision frameworks, and the executive's role in shaping trustworthy AI systems within enterprise organizations.

Read on LinkedIn →
LinkedIn Post · Digital Transformation

Telemetry, Observability & Digital Transformation

Industry insight on telemetry and observability as foundational pillars of digital transformation — exploring how real-time monitoring and operational intelligence enable enterprise-scale technology modernization.

Read on LinkedIn →
SSRN Working Paper · 2026

The Organizational Economics of Agentic AI: Cognitive Task Chaining, Orchestration Patterns, and the Transition to Physical Autonomy

Published on SSRN — the world's leading pre-print repository for social science and business research. Examines the organizational economics of agentic AI systems — covering cognitive task chaining, multi-agent orchestration patterns, and the emerging transition toward physical autonomy in enterprise environments. A practitioner framework for executives leading AI transformation.

Read on SSRN →
LinkedIn Post · Operating Rhythm & Executive Effectiveness · 2026

Operating Rhythm as a Strategic Asset: How Executive Teams Align and Execute at Scale

Explores how structured operating rhythms — QBRs, OKR cadences, and executive reporting frameworks — become a competitive advantage. Covers the link between operating discipline and organizational velocity in scaling technology companies.

Read on LinkedIn →

🔗 Add a publication URL — LinkedIn, SSRN, Google Scholar, HBR, Gartner, Emerald, Medium, and more:

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Let's Connect

Get in Touch

📍
New York, NY+1 (347) 794-7010  💬 WhatsApp
📍
Miami, FL+1 (347) 794-7010  💬 WhatsApp
📍
Los Angeles, CA+1 (347) 794-7010  💬 WhatsApp
📍
Berlin, DE+49 162 731 3631
📍
Kyiv, UA+38 095-222-1424

Common Questions

What types of engagements do you take on?
I engage globally across a wide range of formats — remote, hybrid, or on-site across New York, Miami, Los Angeles, Berlin, and Kyiv. Engagements include full-time executive roles (CEO, COO, Chief AI Officer, CPO), part-time advisory retainers, project-based delivery, founder partnerships, board membership, and participation as a judge or evaluator for technology awards and innovation programs. The format is shaped by what creates the most value for your organization. If you are not sure which model fits your situation, let's start with a 60-minute strategy call.
What stage or size of company do you work with?
I work across the full company lifecycle — from early-stage startups building their first operating infrastructure to large enterprises running multi-country transformation programs with thousands of employees. I have experience in both: I founded and scaled MilaTech serving $10M–$200M ARR clients, served as COO within a company that scaled to $100M+ ARR in Year 1, and led an enterprise security program at an organization with 5,000+ employees. The common thread is inflection — companies at a moment where operational discipline, AI adoption, or strategic clarity becomes the deciding factor.
How is working with you different from a traditional consultant?
Three things stand out. First, breadth: I bring an unusual combination of technical architecture fluency and executive business leadership — I understand engineering trade-offs, product implications, financial impact, and organizational dynamics simultaneously. Traditional consultants are typically strong in one domain; I operate across all of them. Second, accountability: I co-own the outcome, whether as an embedded executive, operating partner, or advisory lead — I do not deliver analysis and walk away. Third, results orientation: every engagement is structured around measurable outcomes — cost reduction, revenue growth, delivery acceleration — not hours delivered.
Can you help with AI strategy and implementation?
Yes — AI strategy and implementation is a core specialization. I build AI adoption roadmaps, prioritize use cases by ROI, design AI operating models, and advise boards on responsible AI governance. On the implementation side, with appropriate permissions and a signed confidentiality agreement, I lead or oversee production deployment of agentic workflows and automation platforms including n8n, Claude, ChatGPT, and Microsoft Copilot. I guarantee full non-disclosure of all client information. I have previously deployed AI automation that recovered 15+ hours of executive capacity per week and established enterprise AI governance standards six months ahead of regulatory requirements.
Do you work with payments and fintech companies?
Yes — with deep, hands-on experience across the full payments stack. I have led fintech software development, directing engineering and product teams building SaaS platforms for banks and fintech companies. I architected API integrations with Visa, Mastercard, PayPal, Apple Pay, Google Pay, and Venmo for 600+ merchant accounts, and have comprehensive understanding of card network operations, digital wallet deployment, ACH/SEPA rails, eCommerce checkout, PCI DSS compliance, and chargeback management. I advise on both the product and technical dimensions as well as the operational and regulatory aspects of payments businesses at scale.
What does a first engagement typically look like?
Most engagements begin with an Executive Operating Assessment — a focused diagnostic of your operating model, delivery health, AI readiness, or a specific challenge area. This produces a clear picture of what is working, what is blocking growth, and where the highest-leverage interventions are. From there, we agree on scope: advisory retainer, interim executive leadership, project-based delivery, or a longer operating partnership. There is no commitment beyond the initial session until we both confirm the fit is right. Reach out via the contact form or directly on LinkedIn to start the conversation.
Are you open to board membership, advisory, or judging roles?
Yes — actively. I currently serve as Advisory Board Member at National University (San Diego, CA), advising on AI and cloud program management integration with enterprise practice. I am open to additional board advisory positions, independent director roles, strategic advisory at investor-backed companies, and participation as a judge or evaluator for technology awards, innovation programs, and academic institutions. I bring operational depth, AI fluency, fintech expertise, and cross-industry executive experience that is particularly valuable at the governance level.
Are you available for full-time C-suite roles in the U.S.?
Yes — I am actively open to CEO, COO, Chief AI Officer, CPO, and senior VP-level roles at U.S.-based global technology companies. I work remotely and am willing to relocate across the U.S. and EU. I am open to visa sponsorship arrangements where applicable. I am equally interested in full-time employment and in founding or co-founding roles at early-stage companies where I can contribute as both operator and equity partner. If you are a recruiter or hiring organization, feel free to connect on LinkedIn or reach out via the contact form — I respond to all relevant inquiries promptly.