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Toronto · Director, Digital Product at RBC

I turn how people behave into products they love.

I'm Funto — a digital product leader with 12+ years in financial services. I run products on experimentation, lead them at the scale of millions, and teach product managers to build with AI at BrainStation.

10.5M members $1.5B annual value $450M AUA driven 17%→55.4% conversion
Portrait of Obafunto Ayinoluwa
Obafunto (Funto) Ayinoluwa
Director, Digital Product — Member Experience · Avion Rewards, RBC
What do you need?
Prefer to talk it through?
The work

A decade-plus turning behaviour into product direction.

Not a job list — the through-line is the same everywhere: find where value is leaking, run the experiment, ship the version that moves the number.

Director, Digital Product — Member Experience
Avion Rewards, RBC · Oct 2025–Present

Reimagining a 10.5M-member loyalty program

Leads the end-to-end member-experience transformation of Avion Rewards — directing two PMs and their 11-person cross-functional teams delivering across Personal Banking, Small Business, and Commercial. Found that most members earn passively despite full digital access, and is rebuilding the experience around visible, personalized value.

~10.5M members~$1.5B annual valuepersonalizationsegmentation
Lead Digital Product Owner — Investing
RBC Digital · Aug 2022–Oct 2025

Getting everyday Canadians from decision to funded

Owned the funding and purchase experience for RBC's self-serve investing platform. Ran a lean experimentation program that lifted pre-authorized contribution setup from 17% to 55.4% across two low-cost releases — ~$9M in incremental contribution volume for ~$50K in build.

$450M AUA in year one150K+ accounts55%+ mobile-first14,000+ employers served
Associate Director, Business Architecture & Strategy
RBC · Feb 2021–Aug 2022

Strategy that survives contact with delivery

Built 3–5 year strategies for future-state operating models across Canada, the UK, and Malaysia — turning people, process, technology, and data gaps into phased, horizon-based roadmaps.

operating modelscapability assessment3 markets

Before that, five years across RBC — Core Banking portfolio strategy, the T&O Transformation Office, and RBC's inaugural Amplify innovation program — starting from risk & security audits at AO Partners in Lagos.

Applied AI & Teaching

I don't just talk about AI in product — I build with it, and I teach it.

AI Product Management Instructor · BrainStation, Toronto

Apr 2024 – Present

Teaches product management to cohorts of working professionals — strategy, research, experimentation, stakeholder leadership — with a growing focus on the applied-AI side of the craft. The assistant you just used is the kind of thing I teach people to build: agents with real tools and guardrails, not demos.

Digital product managementAI agentsApplied LLMsExperimentation
Led the AI Lab: Building AI Agents with OpenAI — BrainStation, Mar 2026 →
Speaking

On stage, and in the room.

Mar 2025Starting and Building a Career in Product Management
BrainStation, Toronto
2025Beyond Development: The Many Faces of Innovation
BFUTR Summit · Obsidi / BPTN
Oct 2023Reimagining Your Technical Career Path
BFUTR Summit · Obsidi / BPTN
Recognition · Education · Credentials

Where the work's been recognized.

Patent & awards

  • Nominated — Product Manager of the Year, OBSIDI Awards · 2026
  • Named inventor — “System for Management of Point-to-Point Transactions” (U.S. provisional patent application)
  • RBC Inventor recognition · 2018
  • RBC Technology & Operations Team Award · 2025
  • RBC Digital STAR Award · 2024
  • RBC Global Citizen Award · 2019

Education

Certifications

Mentors emerging talent with the Asian Business & Management Program at York University.

The full picture

A quick hello opens the rest.

Everything above is public. Résumé, references, and what I'm looking for next open once I know who I'm talking to — no account, just an introduction.

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Résumé

The full PDF — current roles, dates, and the numbers behind them.

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References

Leaders and peers who've worked with Funto — with the context on what they saw.

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What I'm looking for next

Candid on the kind of role, team, and problem worth moving for.

Takes five seconds. Funto sees who stopped by — like “who viewed your profile,” but it's his.