Deseret Mutual Benefit Administrators (DMBA) For Andy

Employee Benefits Administration: A 90-Day CTO Plan

Andy, here’s your new CTO’s first 90 days. What to fix first, where AI pays off soonest, and what the hire should own.

If the CTO seat can stay open another quarter, ignore this. If it can’t, the next two minutes are worth it.

What we noticed

Supporting The Church of Jesus Christ of Latter-day Saints since 1970, with a member service team whose callers write in to say they went the extra mile.

Your Chief Technology Officer posting went up on November 4, and it puts the AI roadmap, AI governance, claims platforms, data and the security partnership on one person’s desk.

Your member portal Members file FSA and HSA claims, check benefit limits and download plan handbooks from one login. That portal is the product most of your members touch. Member FAQ (dmba.com)
Your data Members can already see individual and family out-of-pocket totals by year, so the claims data is structured and members rely on it. Member FAQ (dmba.com)
Your member service team Callers praise individual staff by name for answering everything without a transfer. The knowledge is in your people’s heads, which is where AI helps most. Who we are (dmba.com)
Your partner systems Virtual visits, dental, vision and hearing run through partner sites, and member pages sit on more than one DMBA web address. A new CTO inherits that map. Virtual Visit page

Seen in your stack: dmba.com member portal · www2.dmba.com pages · partner-hosted benefits · Spanish-language pages

What your posting asks for

“Collaborates with technology and business leaders to develop and maintain an enterprise technology and AI roadmap aligned with DMBA's strategic objectives.”
“Establish governance for the responsible evaluation, approval, implementation, use, monitoring, and retirement of AI solutions, including controls for privacy, security, data quality, explainability, bias, human oversight, and third-party risk.”
“Maintain 99.99% availability for mission-critical systems that process contributions, distributions, and claims, and use AI-enabled automation and operational intelligence where appropriate to improve reliability and service delivery.”
“Lead the end-to-end delivery and configuration of internal and customer-facing applications, claims-payment engines, pension-administration platforms, integrations, and AI-enabled solutions.”
“Responsible for technology investments totaling hundreds of millions of dollars annually through disciplined governance, ROI evaluation, vendor negotiation, and total-cost-of-ownership management.”
“Build and mature enterprise data governance, business intelligence, advanced analytics, and responsible AI capabilities by integrating financial, actuarial, clinical, and operational data.”

From your Chief Technology Officer posting, posted November 4, 2026.

What changes for your new Chief Technology Officer

Your new CTO starts with a plan: which systems to map first, the rules for AI before more of it is switched on, where AI saves your member service and claims teams time soonest, and a clear line between what they own and what a fractional lead can carry while they settle in.

Your new Chief Technology Officer’s first 90 days

Three phases, each item with the reason it’s there and where that came from.

Days 1 to 30

Map the systems and the commitments

1
Map every system that touches contributions, distributions and claims
Your posting ties uptime to the systems that pay members. A single map of what runs where, and who supports it, comes before any change.
Source: Chief Technology Officer posting
2
List the AI already in use and who approved it
Your posting asks for approved AI tools and a governance process. You can’t govern what hasn’t been listed.
Source: Chief Technology Officer posting
3
Read the compliance calendar with the people who own it
ERISA, HIPAA, SOC and HITRUST all set deadlines. The new CTO needs to know which ones fall in the first year.
Source: Chief Technology Officer posting
4
Sit down with the cybersecurity lead who reports to you
Your posting draws the line: the CTO supports cybersecurity, which reports to the CEO. Agreeing how they work together is a first-week task.
Source: Chief Technology Officer posting

Days 31 to 60

Set the rules before more AI goes live

5
Write a one-page AI approval process
Your posting lists the controls: privacy, security, data quality, explainability, bias, human oversight and third-party risk. One page that business leaders can follow turns that list into a process.
Source: Chief Technology Officer posting
6
Set one release path for the claims and pension platforms
Changes to payment systems need testing and review every time. A single path reduces errors and speeds delivery.
Source: Chief Technology Officer posting
7
Review the biggest vendors against what they return
Your posting makes the CTO responsible for a very large annual technology spend, with ROI and total cost of ownership as the tests.
Source: Chief Technology Officer posting

Days 61 to 90

Write the roadmap with the business

8
Draft the technology and AI roadmap with the business leaders
The posting wants a roadmap built with business leaders that improves the member experience, resilience and cost.
Source: Chief Technology Officer posting
9
Bring financial, actuarial, clinical and operational data into one set of numbers
Dashboards and AI tools are only as good as the data under them, and your posting names all four data sets.
Source: Chief Technology Officer posting
10
Start AI literacy in the technology team
Your posting asks for AI literacy and role-appropriate capability, which means a plan for who learns what.
Source: Chief Technology Officer posting

Where AI pays off soonest

Workflows from your own business, in the order they save your team time.

1 Answers for member service staff, drawn from your own FAQs and handbooks
Members ask about FSA claims, out-of-pocket limits and bills. An assistant that finds the answer and cites the page lets staff answer in one call, with a person always in the loop.
Source: Member FAQ (dmba.com)
2 Plain-language explanations of an Explanation of Benefits
Members have to be told what an EOB means and what they owe. A drafted explanation for staff to review and send saves calls and rework.
Source: Member FAQ (dmba.com)
3 First-pass checks on claims and forms, with a person approving
Your posting wants fewer errors and human review. A first pass that flags missing information lets staff spend time on the hard cases.
Source: Chief Technology Officer posting
4 A running register of AI use for the governance process
Your posting asks for monitoring and retirement of AI solutions. A register kept up to date by the tools themselves makes the governance process real.
Source: Chief Technology Officer posting

What the hire owns, and what a fractional lead covers

Your Chief Technology Officer owns

The technology roadmap and the Board and executive conversations
Cybersecurity partnership, privacy and the compliance frameworks
Claims, pension and member platforms and their delivery
The technology budget, vendors and uptime
Hiring, leading and developing the technology team

A fractional lead covers

AI governance: the approval process and the register, written with your Legal and Compliance leads
Where AI pays off soonest in member service and claims, and what gets built first
Data and tool choices, reviewed with you before anyone connects them
This 90-day plan, run alongside the hire until it’s theirs

Your first 90 days of tech leadership, planned

The plan above is yours either way.

Email Kash

We build a handful of these a month, for founders hiring now.

90 days

from the first day to a written roadmap

What to fix first, with the reason
Where AI pays off soonest
What the hire owns and what a fractional lead covers
A roadmap your team can run

Who’s building it

Kash Badami was Chief Architect of a national health information network and closed the CMS deal behind Healthcare.gov’s data infrastructure. He runs his own company on AI today.

Chief Architectof a national health information network for HHS, aligning 23 federal agencies

$27MCMS deal that became core Healthcare.gov data infrastructure

“he was singularly responsible for the company’s single largest customer by revenue - the Center for Medicare & Medicaid within the US Department of Health and Human Services.”

RLRobert Liebowitz, worked with Kash on MarkLogic’s Public Sector team; now First Ascent VenturesLinkedIn recommendation, April 2026
“Kash and I built ERT Credit together in 2021. He took my MVP and turned it into a SaaS that hit $10M ARR in twelve months.”

Jordan Anderson, CEO, PayStreetgobridgehead.ai/about

Deseret Mutual Benefit Administrators (DMBA) sales playbook, in brief

DMBA administers health and retirement benefits for The Church of Jesus Christ of Latter-day Saints and its affiliates, and has done so since 1970.Who we are (dmba.com)

Its Chief Technology Officer posting asks one leader to own the AI roadmap, AI governance, claims and pension platforms, data, and technology spend.Chief Technology Officer posting

The first 90 days: map the systems behind contributions and claims, write the AI approval rules, set one release path, then write the roadmap with the business.Chief Technology Officer posting

AI pays off soonest in answers for member service staff, plain-language benefit explanations and first-pass claim checks, each with a person approving.Member FAQ (dmba.com), Chief Technology Officer posting

Prepared by Kash Badami at Bridgehead · November 9, 2026 · Every source

Questions

Why a fractional lead instead of waiting for the full-time Chief Technology Officer?

You don’t have to choose. The hire owns the product and the team; a fractional lead covers the AI and software side and runs this plan until it’s theirs, so nothing waits on the search.

What does it cost?

The first engagement is a fixed price, quoted on a call once we’ve seen what you need. After that there’s an optional monthly retainer, and you can stop at any point.

Will it get in the way of the Chief Technology Officer we hire?

No. The line between what they own and what a fractional lead covers is on this page, and the plan is handed to them to run.

Where does our data live, and is it secure?

In your own accounts. Nothing runs on our side, and every tool or vendor we suggest is reviewed with you before anyone connects it.

Is this only about AI?

No. AI is one part. Most of the first 90 days is the work your posting describes, and the AI items are the ones that save your team time soonest.