Kinetic Design System

In-house design system development

Kinetic Design System

In-house design system development

Kinetic Design System

In-house design system development

Cardinal Financial

Majestic Home Loan

Multi-channel Mortgage Company

UX Product Designer

UI/UX Designer

with 3 Product Designers, 4 Front-end Engineers, and 3 Product Managers

Sep 2022 - Mar 2024

Jan 2020

Overview

I was brought in to build an internal design system from scratch and function as a UX consultant across product teams. Through a structured approach grounded in accessibility, atomic design principles, and collaborative design ops, we built a WCAG 2.1-compliant, tokenized system in Figma.

By early 2024, the Kinetic design system was implemented across four products and three brands. It enabled faster feature development, improved handoff efficiency, and made rebranding dramatically simpler. The design team scaled with confidence, and engineering velocity improved with standardized component integration.

Context

Business Goal

Cardinal Financial’s proprietary Loan Origination System (LOS) was originally built for internal mortgage brokers and employees. As the company evolved its strategy to offer the platform as a white-label SaaS product for external lenders and correspondent partners, design flexibility and accessibility became essential.

Tech Debt

While the platform was functionally powerful, it lacked the design infrastructure needed for multi-brand theming, regulatory compliance, and developer efficiency.

A newly delivered UI from an outsourced team showed strong visual direction, but it wasn’t built to support the complexity of financial workflows or ensure accessibility — both critical for a product operating in a regulated space.

My role was to take that foundation and evolve it into a scalable, well-governed design system — without starting over from scratch.

A Design System to

Drive Business Goal,
and Resolve Tech Debt

Drive Business Goal,
and Resolve Tech Debt

Drive Business Goal,
and Resolve Tech Debt

Planning

Accessibility

While the outsourced team had delivered polished UIs, they fell short of WCAG standards — particularly around color contrast. I created a accessibility checklist and standard method to create accessible color palettes.

The color palette was crafted with accessibility and HSL harmony in mind.

The color palette was crafted with accessibility and HSL harmony in mind.

The color palette was crafted with accessibility and HSL harmony in mind.

Atomic Design & Token Structure

We mapped out components using atomic design principles to ensure reusability and ease of maintenance.

Since token management in Figma was limited at the time, we agreed with engineering to treat the codebase as the single source of truth.

We established token hierarchies, naming conventions, and component token mappings to support future scalability.

Component token naming convention & hierarchy

Component token naming convention & hierarchy

Component token naming convention & hierarchy

Design Audit

To prepare for systemization, we audited the existing product and designs for repeated patterns and edge-case UI variations.

We planned the audit-design process and initial components and features to be audited.

When front-end pieces don’t align, it creates avoidable friction for both users and developers

When front-end pieces don’t align, it creates avoidable friction for both users and developers

When front-end pieces don’t align, it creates avoidable friction for both users and developers

Design Ops & File Governance

I planned & restructured our Figma files for clarity and access.

All feature design files linked directly to the Kinetic library. Each file included Asana task thumbnails for status visibility, and updates flowed from feature branches back into the main system file.

Figma file organization sample

Figma file organization sample

Figma file organization sample

Execution

1. Design Audits

We conducted collaborative audits where designers listed and categorized existing UI patterns, then held working sessions to align on naming, behavior, and usage.

2. Component Creation & Reviews

Each designer branched the system file to build new components. Once complete, we reviewed together as a team, then merged approved components into the main branch. Documentation was created based on reviewer notes and component decisions.

3. System Updates in Figma

Published components were integrated into feature design files only after full-page replacements were possible. This avoided hybrid states and ensured consistency from the start.

4. Engineering Handoff

Before Figma’s Dev Mode, we used Zeplin for specs, Loom/Other Videos for context, and Storybook for review. We tightly aligned design and development by ensuring every component in Figma matched coded equivalents.

  • 1. Design Audits

  • 2. Component Creation & Reviews

  • 3. System Updates in Figma

  • 4. Engineering Handoff

  • 1. Design Audits

  • 2. Component Creation & Reviews

  • 3. System Updates in Figma

  • 4. Engineering Handoff

  • 1. Design Audits

  • 2. Component Creation & Reviews

  • 3. System Updates in Figma

  • 4. Engineering Handoff

Challenges & Solutions

Semantic Tokens and JSON Integration

As more products and brands adopted Kinetic, the original token structure became hard to manage. I proposed a shift to semantic tokens and mapped the update for both design and code. During this transition, a front-end engineer and I discovered we could export token values directly from Figma using JSON, streamlining the design-to-code process and simplifying handoff.

Semantic token per theme diagram

Semantic token per theme diagram

Semantic token per theme diagram

Dev mode handbook for developers

Dev mode handbook for developers

Dev mode handbook for developers

Design Team Ramp-up

While the outsourced team worked quickly, recurring tool missteps slowed progress. I supported the team by staying late to provide real-time feedback on Figma workflows, layout systems, and UX heuristics. These ad hoc sessions evolved into weekly workshops, which continued after we transitioned to an in-house team.

Product Outcomes

Test-bed Rollouts

Before deploying the design system, we picked small products to validate the system’s flexibility and to have a small buffer to update.

I provided environments for designers and cooperated with front-end engineers making product designer handoffs easier.

Internal CRM development

Internal CRM development

Internal CRM development

Core Platform Redesign

I led the redesign of the main LOS and the customer mortgage application, including support for multiple subsidiary brand themes.

Every component used in these systems was pulled from Kinetic, reducing visual and functional inconsistencies while enabling faster, more confident product iteration.

Octane LOS design update

Octane LOS design update

Octane LOS design update

Retail Customer Borrower Application & Dashboard

Retail Customer Borrower Application & Dashboard

Retail Customer Borrower Application & Dashboard