Operator, GM. Technology businesses, including in regulated industries.
I’m at Cross River Bank (a16z, KKR, T. Rowe Price) — the fintech-infrastructure bank behind companies like Stripe, Coinbase, and Intuit — building the division for the agentic economy: programmable money and agentic payments.
Before this seat, I was the Chief Product Officer: we took revenue from $500M to $1B with margin expanding alongside, re-architected product and engineering for scale, broadened the customer base into F500, integrated several acquisitions, and shipped the firm’s first enterprise AI platform.
Earlier, I joined Oasis Labs (a16z, Accel) as employee #1 — a privacy-preserving compute platform for AI — and ran the operating engine from product zero to a $2B token-market exit. Before that, product and strategy roles at Google, American Express, and P&G. And, while in college, I bootstrapped a company to 23 people.
I angel into early-stage founders (ARQ, Stablecore, Mercury, Decisionly, Utila, AtoB), mostly in fintech and adjacent areas. I also teach Agentic AI at MIT PE.
Engineer by training, Berkeley MBA.
Italian, living in New York with my wife and two daughters. Outside of work, I enjoy hosting, tennis, and the sea.
Let’s connect if I can help: luca.cosentino50 [at] gmail.com
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SOME THINGS I BELIEVE
Our role on this planet is to advance things
Humans have evolved for 300K years—every step forward matters
Whether for 5 or 5 billion, impact scales exponentially anyway
Reality always wins
The game is about leveling up as fast as possible
Learn by copying or feedback
The faster you collide with reality, the faster you learn
Technology and knowledge drive evolution
Experimentation, launching, and scaling are cheaper than ever
Picking the right problem is probably very important
Execution, not capital, is the limiting factor
Quality of decisions matters
I graduated top of my class, but only after a failed startup
Plan, team, execution: get one wrong, survive months; get all wrong, and you become obsessed with decision quality
Objectives bring people together
Truth-seeking conversations are easier said than done
Life is a multivariate optimization problem - understanding motivations goes a long way, and it’s rarely about just finding the truth
Learn to expand opportunities and find common ground early
Rational optimism helps
Enthusiasm for the challenge often drives the best work
Optimism to start, realism during, optimism to finish
Results come from effort and method, not genetics
Connecting the dots, building, and selling are the skills of our generation
Data and technology cut through noise
Nothing is happening for the first time, but most things won’t be exactly the same
Mission clarity, fluid tactics, critical path, focus: these win
The first 80% of a project is as important as the second 20% 80%
Critical thinking empowers individuals
Lack of expertise should rarely be a showstopper
Adapting to change and controlling what you can tends to work better
I prefer thinking about the range of possibilities over what’s conventional
Feedback helps, but your barber will always say you need a haircut
Objective alignment is critical
In small orgs, hyper focus
In large orgs, self-reinforcing systems
Micromanagement is as harmful as misalignment
Great managers define outcomes and obstacles early
The priority is to address obstacles before they become evident
Cultures of approval kill accountability. Let excellence lead
Principles
Accountability matters
Family and close friends come first
Play nice, but win
Learn daily: 1.01^365 = 37
