AI Never Sleeps

Founder and CEO of AI Never Sleeps – leading a 24/7 AI Automation Agency that streamlines operations, automates repetitive tasks, and empowers businesses to focus on innovation and growth.

Chief Experiment Officer

Westpac Group

Leading Westpac’s Personal Loans business.

Executive Director

Fundo Loans

Chief Executive Officer - Australia

Helping Fundo to grow and be more efficient while ensuring compliance with regulatory standards.

Chief Operating Officer

Empowered Leader

Our mission is to empower and grow young leaders by providing cutting-edge online tools combined with self-serve online training courses. 🚀

Founder and Chief Empowerment Officer

MoneyMe Limited

SocietyOne

Ensuring that we are bringing brilliant funding moments to life and delighting our customers.

Overall responsiblity for Credit operations and Customer Service in SocietyOne.

Acquiring customers through any channel and means necessary to grow in a profitable and sustainable way.

Responsible for partnerships and brokers.

Chief Growth Officer

Changing the face of lending in Australia

Chief Product & Strategy Officer

The Boston Consulting Group (BCG)

Focused on serving clients to help them solve their biggest financial and technology problems in Australia and across South East Asia.

As the lead Principal, helped to co-found BCG's AP Digital Transformation Accelerator (DTA - previously known as DTEC - Digital and Technology Enablement Centre). A BCG internal capability which helps clients train their teams on digital topics (eg. Big Data, Agile, Information Security, etc.)

Other achievements: Co-head of Recruiting (KL) - 2015 - 16, Head of SOCCOM (KL) - 2015, Training Node (KL) - 2014

Principal

Westpac

Responsible for:
1. Strategy for the Retail Bank,
2. Delivery of key projects that create value for the Retail bank,
3. Business management and operational support for the General Manager of the Retail Bank.

Head of Strategy, Retail Banking

1. Group wide strategic planning, identification of strategic options, evaluation & prioritisation of strategy formulation and communication
2. Competitive, industry research and evaluate current and forward looking trends of the financial industry
3. Complex financial modelling and detailed analysis to support decision making on specific group and business unit issues
4. Business unit/divisional strategic reviews together with key business stakeholders

Strategy Manager, Group Strategy

Senior Strategy Analyst, Group Strategy

Strategy Analyst, Group Strategy

Graduate Analyst, Group Strategy and M&A

Trustmarque Solutions

Full stack dev, focussed on ASP.NET, Javascript and Microsoft SQL

Technical Consultant

I help empower young leaders through online tools & leadership training courses

Jonathan is the Chief Experiment Officer of AI Never Sleeps - an AI Automation Agency that helps Small Businesses automate their boring tasks.

Jonathan has a track record of more than 20 years of consulting and project delivery experience in Financial Services and Technology. He loves solving business problems to create value for organisations, has a history of end-to-end project delivery (idea inception to strategy development to execution and change) and loves working with people to ensure that outcomes are delivered.

He spent 8 years in a range of fintech startups to listed companies in various leadership roles from COO to CTO to CMO to CPO to CSO and Chief Growth Officer.

He 5.5 years with the Boston Consulting Group with their Sydney and KL offices where he worked on a diverse range of topics: from creating 5 year visions and strategies to M&A target selection and deal support to Inventory optimisation.

Prior to BCG, he worked for 5 years in Westpac (one of Australia's largest banks) in Group Strategy and Retail Banking. His last role was the Head of Strategy for Westpac Retail and Regional Banking where he was responsible for developing actionable initiatives to create value for the bank's branch network and led and assisted the delivery of both projects and operational issues.

Prior to joining Westpac, Jonathan worked in South East Asia for 4 years and was based in Singapore.  

Jonathan has a Bachelor of Business and Information Technology from the University of Technology, Sydney (UTS), as well as a Masters of Management and a Masters of Business Administration from the Macquarie Graduate School of Management (MGSM).

Jonathan Chan

6 months ago, I left a job paying $420k a year.

Today? I have more money in my bank than when I started.

The crazy part?

I almost didn't do it.

This is my 2nd entrepreneurial journey (the first taught me lessons rather than yielded profits 😅). 

And honestly, the inner voices still deafen:
Can I really make it? Should I just go back to (safe) corporate?

But here's what 6 months of building has actually looked like:
📹 Ran 18 webinars for my paid newsletter community
💻 Built 5 mini SAAS web apps
🏗️ Assisted 5 clients with automating their businesses
 🔧 Built 3 Chrome extensions 
🚧 Completed 2 consulting projects
📱 Built 2 mobile apps 
👨‍👩‍👦 Spent more time with my family than I have in years

That last one? Wouldn't trade it for the world.

The numbers (because I'm building in public):

MRR is at $10k/month:
AI Automation Agency = $8k
Newsletter = $1k
Mini-SAAS web apps = $1k

Still a long way from my $30k MRR target. But growing steadily.

Consulting is what has brought in most of my (one-off) revenue, but I hope to change that.

My approach? I'm making the decision to continue 3 months at a time.

We've extended to March 2025 now.

I don't have all the answers. Some days I wonder if I'm crazy. But I'm learning more about building businesses than I ever did in corporate and working for big companies.

And I'm loving every moment.

If you're standing at the edge wondering whether to leap - maybe start smaller. Build something on the side. Stack those steps.

Because right now, I'm thanking past Jonathan for taking the jump and starting early and small.

What would you build if you had the time?

I write about AI experiments that automate my life and business

I saw this story and it hit different.

A broke Indian kid is sitting on a German metro.

Tired. Worn out. Worried about whether he'll make it through the day.

Sitting next to him? Maisie Williams. The actress from Game of Thrones. Millions of fans would lose their minds just to get a selfie with her.

He doesn't even notice.

The photo goes viral. A German magazine (Der Spiegel) tracks him down. Turns out he's been living illegally in Munich, broke, riding trains without a ticket.

The journalist asks: "Why didn't you react? Don't you know who she was?"

His answer:

"When you don't have a residence permit, not a single euro in your pocket, and you travel illegally every day… it really doesn't matter who sits next to you."

The magazine was so moved they offered him a job. 800 euros a month as a postman. That job got him a legal residence permit.

One random photo. One moment he didn't even notice. Changed everything.

Here's why this resonates with me.

When I left Westpac, people thought I had a master plan.

I didn't.

I was just trying to figure out what was next. Some days I questioned everything. Some days I still do.

But looking back, every "random" moment connected to something bigger.

The newsletter(s) I failed at for 25 years? Suddenly worked when I stopped writing about AI news and started showing people HOW to use it.

The LinkedIn post I almost didn't publish? Led to being featured in LinkedIn News Australia (twice).

The client I met by accident? Became my first $5k/month retainer.

You can't connect the dots looking forward.

You just have to trust that the metro you're on is taking you somewhere.

Even when you're too tired to notice who's sitting next to you.

Is there a random moment changed your trajectory?

Coming home to heartbreak

Landed back in Sydney from holidays yesterday.

My eldest son checked his phone and said "there's been a mass shooting at Bondi". My stomach dropped.

Bondi Beach. A place synonymous with joy, summer, families. A place I've walked a thousand times.

Now a crime scene.

16 people went to celebrate Hanukkah with their families. They lit candles. They ate. Kids played at the playground.

They never came home.

I don't have profound words. I don't think anyone does right now.

But I keep thinking about the fruit shop owner who ran toward gunfire. Who tackled an armed shooter with his bare hands. Who took two bullets protecting strangers.

In the darkest moment, a stranger chose courage over self-preservation.

That's who we are at our best.

Sydney is grieving today. Australia is grieving.

Hold your loved ones a little tighter tonight.

Why are you doomscrolling??

Stop.

Seriously.

You could literally build a mobile app right now.
Or a web app. Or a Chrome extension.

Zero programming knowledge required.

Just ChatGPT. Maybe Cursor. Maybe Claude.

That's it.

I'm not being theoretical here.

Since "retiring" 6 months ago, I've built:
📱 A mobile iOS app (5 days to TestFlight, 12 days to live on the App Store)
🤖 An AI phone agent named Steve that answers calls 24/7 (2 hours)
🌐 www.Bank-statements.co - turns messy PDFs into clean spreadsheets (now makes $350/month)
📧 A Gmail cleanup tool that categorizes and deletes spam
🔌 Chrome extensions that can grab the content from a webpage or youtube video for my own '2nd brain'
💬 An AI chatbot for coaching
...and a bunch more that I use daily.

None of this required me to "learn to code."

I just described what I wanted - in english.

AI wrote it.

I clicked buttons until it worked.

The tools are absurdly good now.

A 60-year-old Senior Director built his own AI agent using my guide.
A non-techie named Olivia pushed through and shipped her first app.

The barrier isn't skill anymore.

It's just... starting.

So here's my question:
If you had nothing to lose and all the time in the world, what would you build?

Drop it in the comments.

You might just talk yourself into actually doing it.

No alternative text description for this image

I shouldn't be sharing this, but here goes...

A Chrome extension that gives you a second brain you can actually talk to.

Last weekend I locked myself in with Cursor and AI (Opus 4.5 mostly).

The problem I was solving:

I consume too much content.
YouTube videos. Articles. Podcasts. Research.
But when I need that ONE insight from 3 months ago? Gone.

So I built something.

Here's what it does:

→ Creates a second brain using Gemini's File Search API (fancy term for RAG, which is a fancy term for "a place to store stuff so AI can find it later")

→ Works with ANY LLM — Claude, OpenAI, Gemini, even Grok

→ Bring your own API key via OpenRouter (your key, your data, your costs)

→ One click to save any webpage or extract any YouTube transcript straight into your brain

→ Chat with everything you've saved using a custom prompt

The result?

I asked it: "What did that Dan Koe podcast say about content repurposing?"

It pulled the exact quote from a video I watched 2 weeks ago.

No more "I know I saved this somewhere."

No more 47 open tabs.

Just your brain, searchable.

I'm giving away:
- The full Chrome extension
- Step-by-step guide to set it up
- Access to Friday's webinar (19th Dec, 12pm AEST) where I'll show you how to build it live

Comment "second brain" below and I'll send you everything.

LinkedIn Post - Sora 2 n8n Workflow

People are paying $25 for Sora 2 invite codes on eBay.

I bypassed the waitlist entirely using n8n.

The crazy part?

It took me 30 minutes to set up.

Here's why this matters for small businesses:
Video converts better than static images. We all know this.
But traditional video production?
Expensive (thousands for basic stuff)
Slow (weeks of back-and-forth)
Inflexible (want to change one thing? Another invoice)

Now I can turn any static image into video for 10 cents per second.

A 30-second ad costs $3.

A video editor would charge you hundreds for the same thing.

What I built in n8n:
→ Basic workflow: prompt in, AI video out 
→ Advanced workflow: feed it a reference image, get animated video 
→ Scene control: different shots within a single clip 
→ No Sora app watermark

The best part?
You can batch process 20+ videos overnight using a Google Sheet.
Set it. Walk away. Come back to finished videos.

Real use cases I'm seeing:
→ E-commerce product videos from catalog images 
→ A/B testing ad variations at scale 
→ Turning legacy brochures into social content 
→ Creating moving images from static photos

Small businesses sitting on years of product photos now have a way to turn them into video content for almost nothing.

I wrote a full step-by-step breakdown on my Substack.

The workflow JSON is available for paid subscribers.

Link in comments 👇

What would you create if video production cost $3 instead of $3,000?

Leading the team to originate, structure, execute and distribute complex and often bespoke financing solutions for commercial, corporate and institutional clients.

•	Team Leadership: strategic planning; team management; and role modelling to deliver positive outcomes for clients and the bank
•	People Leadership: coaching, mentoring and developing junior colleagues
•	Originating securitisation / structured debt solutions across industry sectors throughout Asia Pacific
•	Leading deal teams from origination, due diligence, to assessing credit / legal / tax and other structural considerations through to internal approvals, documentation and ultimately syndication / distribution
•	Managing and enhancing relationships with clients, rating agencies, legal counsels and other key external stakeholders
•	Cultivating collaboration and teamwork across departments within the bank

Director & Head, Securitisation & Structured Products | Debt Capital Markets | Investment Banking

IFC - International Finance Corporation

Treasury Client Solutions provides IFC’s clients with innovative and tailored capital market, derivative and structured product solutions including: Local Currency Finance; Capital Market Solutions; Risk Management Solutions; Partial Credit Guarantees; Portfolio Risk Sharing Facilities; Securitisation and Structured Products.

•	Structuring, pricing and facilitating the execution of fixed income and derivative transactions for IFC’s clients
•	Business development and explaining treasury products to clients, regulators and banks
•	Supporting relationships with key stakeholders, including investment banks, local banks, capital market firms, development finance institutions and regulators
•	Supporting IFC’s transition to new risk-free rates and IFC’s clients in the process
•	Providing training and knowledge management services to colleagues, clients and key stakeholders

Consultant, Treasury Client Solutions

Structured & Asset Finance (S&AF) arranges complex, bespoke and innovative financing solutions (typically cross border) for Westpac's corporate and institutional clients globally. S&AF’s financing solutions were tailored to meet clients’ strategic financing needs e.g. acquisitions and growth capital; significant capex requirements; and flexible working capital. Solutions often diversify clients’ funding sources and may be structured on a full-recourse or non/limited-recourse basis and may in certain instances achieve off-balance sheet treatment.

Key asset classes: (1) Structured Securities e.g. RMBS, ABS, CMBS; (2) Trade, Factored, Consumer Finance receivables; (3) Structured Asset Finance e.g. Aviation, Shipping; and (4) Portfolio Asset Finance e.g. Fleet of Vehicles, IT, Plant and Equipment.

•	Joint origination efforts with colleagues in coverage, industry analysts and other product specialists
•	Deal management: due diligence; structuring/negotiating term sheets; liaising with internal and external advisers; obtaining internal approvals (credit, legal, tax, pricing etc), legal documentation, internal deal booking processes and client liaison
•	Ongoing management of Structured Finance clients / programmes in Asia, Europe and the US
•	Supervised and mentored junior team members who were seconded / temporarily assigned to S&AF

Associate Director, Structured & Asset Finance

Westpac Institutional Bank

Structured Finance arranges structured financing and warehouse facilities (via Westpac balance sheet and/or an ABCP conduit) and is the leading arranger of term structured securities issued in the Australian and New Zealand capital markets.

•	Ongoing management of a portfolio of Structured Finance clients 
•	Transaction execution including due diligence, negotiating commercial/credit terms and legal documentation
•	Preparing client presentations and supporting origination activities 
•	Preparation of and negotiating credit submissions with internal risk stakeholders

Senior Associate, Structured Finance | Debt Capital Markets

Investment Associate for Westpac’s captive Private Equity Fund, which invested equity/mezzanine/hybrid capital in lower mid-cap businesses for acquisition, expansion and succession purposes.

• Sector/company research, modelling and valuation to identify and screen for attractive investment opportunities
• End to end deal support from origination, execution including due diligence and legal documentation through to post-deal monitoring
• Investment Committee secretarial support: prepared papers/presentations, Fund reporting and general administration

Associate, Westpac Direct Equity Investments

Principal Investments managed a portfolio of Westpac’s alternative assets. Supported the orderly divestments of legacy real estate and infrastructure assets.

•	End to end deal support
•	Active asset management of real estate assets: managing the rectification of property defects to improve resale values; proxy voting as the bank’s nominee in owners’ corporations; and liaising with external advisers
•	RG 146 accredited to provide general financial advice to individual investors (various asset classes)

Associate, Principal Investments

Hastings Funds Management

Hastings Funds Management was a leading fund manager of alternative assets specialising in the acquisition and management of infrastructure, real estate, alternative debt and private equity. At the time, Hastings was a wholly owned subsidiary of Westpac.

•	Financial modelling, property/company analysis and valuations
•	Preparing Investment Committee papers/presentations

Associate, Real Estate Originations

Responsible for providing timely and accurate analytical and research support to various departments within WIB. Completed rotations across: (1) Project Finance; (2) Industrials & Materials Coverage; and (3) Global Transactional Banking.

•	Credit research, analysis and strategy papers
•	Preparation of marketing documents and presentations

Graduate Analyst (Management Associate)

AIESEC

AIESEC is a global platform for young people to explore and develop their leadership potential. It’s a non-political, independent, not-for-profit organisation run by university students and recent graduates. Its members are interested in world issues, leadership and management. Elected for a term as a full-time National Director and appointed as Company Secretary.

•	Responsible for overall financial management, commercial matters, corporate secretariat & governance related functions
•	Coaching, training & workshop facilitation to develop AIESEC’s state/local leadership teams and their members
•	Management responsibility for AIESEC’s national conferences (up to 250 delegates), meetings and events including agenda development, logistics and finances
•	Managed relationships with some of AIESEC Australia’s key corporate stakeholders

Finance Director & Company Secretary

Michael is a client centric and highly motivated leader with broad financial experience across Asia Pacific. His key strengths include complex problem solving with a long-term strategic perspective; distilling complex information into concise and persuasive business cases; and an insightful, analytical mindset.

Michael possesses excellent oral and written communication skills, which are combined with high levels of project management, resilience and adaptability to successfully manage multiple priorities simultaneously. Michael imbues his abilities with an authentic and values driven leadership style to positively influence key stakeholders and achieve meaningful results. 

Diverse knowledge and experience across: Structured Finance; Securitisation; Debt Capital Markets; Corporate Finance; Shipping/Aviation Finance; Development Finance; Alternative Investments; Derivatives; Corporate Strategy; Digital Strategy; ESG/Sustainable Finance; Not for Profit Management; and Team Leadership.

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Jonathan Chan

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