Strategic technology and operations executive with 18+ years of experience leading SaaS, AI, fintech, e-commerce, cybersecurity, and digital platform businesses across North America and EMEA. Trusted partner to CEOs, founders, investors, and boards in defining corporate strategy, leading organizational transformation, and driving enterprise-wide execution. Extensive experience scaling technology organizations, modernizing operating models, and aligning product, engineering, operations, finance, and commercial functions to deliver sustainable growth and long-term enterprise value. Combines executive business leadership with technical fluency to translate complex market, product, and operational challenges into measurable business outcomes.
I am Liudmyla Cherniakova — known professionally in the U.S. as Mila Chernik, and founder of MilaTech — an executive advisory practice serving fintech, e-commerce, retail, banking, and payments companies with $10M–$200M ARR across the U.S. and Europe..
Companies engage me when they need an executive who can think like a CEO and execute like a COO/CTO/CPO. I bring together strategic vision and operational discipline — helping organizations close the gap between where they are and where their technology, people, and operating model need to be.
I have served as Chief Operating Officer and strategic counterpart to the CEO, co-defining corporate strategy, leading enterprise-wide transformation initiatives, and overseeing P&L responsibility across a $50M operating budget within a business scaled to $100M+ ARR. I have built and led cross-functional organizations of 100+ professionals, designed scalable operating models, and delivered measurable outcomes across fintech, SaaS, hospitality, e-commerce, retail, banking, cybersecurity, and edtech.
I partner with CEOs, founders, and boards as an Executive Advisor or COO to lead complex business and technology transformations — aligning strategy, people, product, and operations to deliver measurable growth and performance.
Translating board-level vision into actionable operating plans — portfolio prioritization, OKR/KPI frameworks, annual planning, and organizational alignment built on experience taking SaaS businesses from $0 to $100M ARR.
Enterprise AI leadership that moves organizations from experimentation to execution. I help CEOs, founders, and executive teams turn AI into measurable business outcomes through operating model design, governance, automation, and enterprise-wide implementation.
Operating as Chief Operating Officer — owning P&L, cross-functional execution, PMO governance, and delivery cadence. Proven across companies scaling from 30 to 100+ FTE without losing velocity.
Deep expertise across card network operations, payment rails, and eCommerce checkout — from Visa/Mastercard integration to digital wallet deployment. Deep expertise spanning card issuance operations, digital wallet deployment, and enterprise SaaS payment platform integration.
SaaS portfolio strategy, roadmap prioritization, cloud migration, and engineering org design — translating complex technology decisions into measurable business outcomes for founders and executive teams.
Enterprise cybersecurity transformation and regulatory compliance built into transformation itself — not bolted on. Delivered programs at the CIO level in regulated, high-security environments across financial services and enterprise technology.
$5M–$200M ARR companies scaling product, engineering, and operations across North America and EMEA.
Fintechs and banks modernizing payment infrastructure, digital wallets, and card network operations.
Companies moving from AI experimentation to production — deploying agentic workflows, governance, and measurable ROI.
Executive teams that need a COO-level operating partner to scale strategy, operations, and organizational execution.
Government agencies, municipal authorities, and public sector organizations deploying digital tools, software, and platforms to modernize public services and operations.
Enterprise engagements across cybersecurity, AI operations, SaaS product, fintech, and PMO transformation.
Owned strategic product vision and enterprise execution of an AI-ready SaaS suite spanning retail POS, tableside hospitality, and production planning across North America and EMEA. Architected payment infrastructure integrating Visa, Mastercard, Apple Pay, Google Pay, and PayPal across 600+ merchant accounts.
Stood up the company's first enterprise-grade operating model — unifying fragmented teams, introducing governance rhythms, and embedding agentic AI automation (n8n) to eliminate operational drag. Established AI governance standards 6 months ahead of regulatory requirements.
Served as Interim COO leading end-to-end design and execution of a national B2B marketplace expansion — unifying licensed professionals from all 50 U.S. states onto a single platform. Built operational, compliance, and customer experience infrastructure from the ground up. Deployed LLM-powered conversational AI to automate customer responses for order inquiries, license questions, and product support.
Delivered enterprise cybersecurity transformation in partnership with executive leadership at a 5,000+ FTE global B2B software leader in IT management and security solutions — operating in a regulated, high-security environment with direct accountability to the CIO. Architected end-to-end program governance, modernized threat defense and vulnerability management, and ensured compliance with global cybersecurity standards.
Led end-to-end design and delivery of an enterprise credit origination and risk decisioning platform for a commercial bank — automating the full credit lifecycle from digital borrower onboarding through multi-stage risk review, automated scoring, and structured audit documentation. Integrated with Ukrainian Credit Bureau, YouControl, FICO, and judicial registries.
Led design and implementation of an automated enforcement execution module integrated with SAP for a major international bank — enabling fully automated processing of court-ordered account freezes, asset seizures, and liens across retail and corporate portfolios.
Articles, research, and industry contributions by Liudmyla Cherniakova (Mila Chernik) on AI strategy, enterprise transformation, and operational leadership. New articles are added automatically — paste any URL below to add a publication card.
Explores how AI moves beyond conversational interfaces to become a structural operating discipline — covering agentic workflows, autonomous operations, and practical frameworks for scaling AI from pilot to production in enterprise environments.
Read on LinkedIn →Published on DOU.ua — Ukraine's leading tech platform (886K+ members). Covers five architectural models of autonomous AI agents, practical implementation case studies from enterprise fintech and SaaS environments, and a framework for scaling AI from experiment to production.
Read on DOU.ua →Industry contribution on ethical AI adoption in product management and leadership — covering responsible AI governance, decision frameworks, and the executive's role in shaping trustworthy AI systems within enterprise organizations.
Read on LinkedIn →Industry insight on telemetry and observability as foundational pillars of digital transformation — exploring how real-time monitoring and operational intelligence enable enterprise-scale technology modernization.
Read on LinkedIn →Published on SSRN — the world's leading pre-print repository for social science and business research. Examines the organizational economics of agentic AI systems — covering cognitive task chaining, multi-agent orchestration patterns, and the emerging transition toward physical autonomy in enterprise environments. A practitioner framework for executives leading AI transformation.
Read on SSRN →Explores how structured operating rhythms — QBRs, OKR cadences, and executive reporting frameworks — become a competitive advantage. Covers the link between operating discipline and organizational velocity in scaling technology companies.
Read on LinkedIn →🔗 Add a publication URL — LinkedIn, SSRN, Google Scholar, HBR, Gartner, Emerald, Medium, and more:
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