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I am a backend engineer and fintech specialist with 8+ years of experience building payment, wallet, and transaction systems end-to-end. I help teams design and ship reliable money movement flows (deposits, withdrawals, card funding, settlement, reconciliations) with the boring-but-critical stuff done right, like idempotency, ledger integrity, observability, and production hardening. I have worked with card networks and processors (Visa/Mastercard ecosystems, 3DS/VBV, ISO8583) and built integrations with modern embedded banking and payment partners. If you need someone who can own backend execution, unblock architecture decisions, and deliver clean, testable Go services, I am your person.