Stephen Hutchens in

Stephen Hutchens

Commander · DISC type D
Co-founder & CTO at Payflow
📍 Atlanta Metropolitan Area, United States

Stephen is an applied AI engineering leader and former CTO of the YC-backed fintech, Payflow. He has hands-on experience architecting and building agentic AI systems from the ground up, with expertise in LangGraph and RAG. Colleagues describe him as brilliant, dedicated, and having razor-sharp focus.

Outside of his formal roles, Stephen pursues complex personal projects that leverage his professional skills. He has been building an AI-powered swing trading agent, which he has back-tested over five years to refine its performance, demonstrating a deep personal interest in algorithmic financial strategies.

Unique fact: The AI swing trading agent he built has a Sharpe ratio of 1. 36 and a profit factor of 1. 72 over 5 years of backtesting.

Read the full overview →
Experience
9 Years
Current Role
Co-founder & CTO
Location
Atlanta Metropolitan Area, United States
Personality Overview

How Stephen shows up

Decisive
Strong-Willed
Candid & Clear

They like to act fast and expect others to do the same. They like to be in a position where they can control the conversation and terms. They respond better to strong and respectful interactions.

Priorities

Topics Stephen cares about

Agentic AI Systems
His core expertise is building production agentic systems from scratch, personally developing core functionality using LangGraph, RAG systems, and deep agents for SQL and OpenPyXL.
AI for FP&A
As CTO of Payflow, he pivoted the company to focus on AI-powered Financial Planning & Analysis, aiming to make finance teams strategic partners rather than bottlenecks.
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Career

Work history

1-2025 - 1-2026
Co-founder & CTO
Payflow
12-2023 - 12-2024
Chief Technology Officer
Payflow
1-2023 - 12-2023
Head of Engineering
Payflow
5-2022 - 1-2023
Founding Principal Software Engineer
Payflow
11-2019 - 2-2022
Senior Software Architect
HatchWorks AI
In the press

Media appearances

No media yetWe could not find public media appearances for this person.
Education
Master of Engineering - MS
University of Colorado Boulder
2020 - 2020
Nanodegree
Udacity
Social presence
in
Behavioral profile

DISC profile (public)

D

Dominance (D)

Dominance (D) reflects how goal and task oriented a person is, and their ability to accomplish results irrespective of how demanding the circumstances might be. Those scoring high tend to be motivated by winning, competition, and success.

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