Michelle Bonat is the Chief Technology, Product and AI Officer at Golden Pear Funding. An experienced enterprise CTO and globally recognized AI expert, Michelle brings deep experience across artificial intelligence, enterprise software, financial services, and product development. Her career has focused on making AI-led technology operational, trusted, and impactful in industries where real risk, money, and people are involved.

Previously she led AI at Golden Pear Funding, where she developed the company’s proprietary machine-learning models for AI underwriting and portfolio risk analysis, as well as its AI governance playbook to ensure responsible and scalable deployment of artificial intelligence across the platform.

Before that, Bonat served as a CTO and then as Chief AI Officer at AI Squared, a venture-backed AI infrastructure company focused on operationalizing AI within enterprise environments. She helped scale the company’s technology and product capabilities into an enterprise platform used by Fortune 500 companies and the U.S. Department of Defense.

Earlier in her career, Bonat held AI leadership roles at JPMorgan Chase, including Head of AI Innovation and later an AI CTO at JPMC, where she helped build and scale AI across 100 Chase products serving more than 1.5 billion monthly logins. She is also lead inventor on patents for machine-learning systems that analyze privacy policies and track how consumer data is shared across third-party organizations.

Bonat also held senior engineering and product leadership roles at Oracle, where she led global engineering and product for financial web applications deployed across more than 30 countries and 25 languages. She previously founded a fintech company that mined public company filings to generate ESG investment signals, achieving nearly full automation of the analysis pipeline, as well as lead on product for three companies that were acquired including public company Ariba.

Still an AI builder at heart, Michelle is a globally recognized AI expert named to the AI 150, a frequent keynote speaker and has been cited in Fortune, Barron’s, Bankrate, and American Banker. She holds a degree from Northwestern University and an MBA from Northwestern’s Kellogg School of Management, where she now serves on the AI advisory board.