About SOPHIACI
SOPHIACI (Sophia Centralized Intelligence) works with financial institutions to create efficient, scalable, and customized capabilities, to automate the operations around data analytics
Our framework bridges business needs and technical solutions, driving growth, efficiency, and informed decisions.
Data analytics, and operations touch every area of every company. From loan boarding and operations, risk and oversight, capital markets and portfolio management, finance and accounting, servicing and servicing oversight, clients and borrowers, to management and leadership.
Data analytics and operations drive the financial services business.
Efficient and connected operations and processes produce happy employees, happy customers, happy management and the best results possible.
The team at SOPHIACI has many years of experience creating, implementing, and managing best-in-class capabilities within financial services.
We believe client results separate us from competing companies. Having ourselves felt the pain of bad process that we ultimately transformed, we endeavor to make work more enjoyable for our clients while delivering results that improve the bottom line.
Meet the Leadership Team
The SOPHIACI team is made up of a highly passionate group of finance professionals looking to help banks, credit unions and other financial institutions become highly integrated organizations with access to transformative decision-making tools everywhere and that anybody can use.

Co-Founder
John Pawlyshyn
Mr. Pawlyshyn has 20+ years of experience as a transformational leader. Mr. Pawlyshyn is a founding member of Xceed Business Services, LLC. Xceed is a financial services risk management consulting firm that has collaborated with many of the nation’s largest banks & financial institutions.
Prior to founding Xceed, Mr. Pawlyshyn was the Risk Officer on over a 100-billion-dollar lending portfolio at Ally bank and its predecessors. At Ally, Mr. Pawlyshyn created an industry-leading risk management operations platform that connected the organization front to back.
Mr. Pawlyshyn is an outspoken advocate of translating data into information to power informed decisioning. It is this thinking and approach that has led to industry transformative thinking & the formation of SOPHIACI.

Co-Founder
Erik Tozier
Erik Tozier is a seasoned professional with a proven track record of success in the finance and banking industries. Erik has a BS in Mathematics and a MS in Financial Mathematics from the University of Minnesota.
​
With over 10 years of experience working in large institutions, Erik has amassed a wealth of knowledge and expertise in reporting, analytics, model operations, and data roles. He has a keen eye for detail and an unwavering commitment to excellence, which have been instrumental in his success.
Erik is a natural problem solver who enjoys applying common sense to find innovative solutions that improve efficiency and automate processes. He is a strong advocate for removing inefficiencies from workflows, which has resulted in significant cost savings for his employers over the years.
Board of Advisors
At SOPHIACI, we are proud to have an experienced board of advisors who provide valuable guidance and support to our team.
​
Our board is made of experts from the finance industry. Each member of the board brings a unique set of skills and perspectives to the table, and they are committed to helping us achieve our goals and drive our business forward.