Malik G. Gaddy
Payments Software Engineer
Austin, TX · (512) 555 0138 · name@example.com · linkedin.com/in/malikggaddy
Key Qualifications
EXPERIENCE
Seven years in payments engineering across two venture backed financial technology companies and one processor
INDUSTRIES
Consumer card programs, small business banking, merchant services
SPECIALTIES
Authorization and settlement, double entry ledgers, idempotency and retry design
SYSTEMS
Go, Python, Postgres, Kafka, Stripe, Plaid, Datadog
CREDENTIALS
Amazon Web Services Certified Developer Associate; member of the Association for Computing Machinery
EDUCATION
Bachelor of Science in computer science, University of Texas at Austin
Executive Summary
Payments engineer with seven years building card and bank transfer services for consumer financial technology companies. Works mainly in Go and Postgres across authorization, settlement and ledger reconciliation, and owns services from the first design review through the on call pager. Known for cutting failed payment rates without adding friction for the customer.
Signature Achievements
- Rebuilt the card authorization service in Go and cut the ninety fifth percentile response time from four hundred milliseconds to ninety.
- Introduced idempotency keys across four payment endpoints and ended duplicate charges, closing a category worth about two hundred refund tickets a month.
- Automated daily reconciliation against the sponsor bank statement file, turning a three hour manual close into twenty minutes.
- Moved automated clearing house return handling into one Nacha aware service, which nearly ended repeated debit attempts against closed accounts.
- Shifted forty percent of payout volume to same day by routing eligible transfers through real time payments.
Professional Experience
Payments Software Engineer
Kestrel Pay, Austin, TX 2022 to present
Core payments team of nine engineers owning authorization, capture, settlement and the ledger for a consumer spending card with about four hundred thousand active accounts.
- Owns the authorization service, including card network message handling, decline reason mapping and its on call rotation.
- Designed the retry and idempotency model now required of every service that writes to the ledger.
- Built jobs that compare the ledger against sponsor bank and network files daily and open a ticket when a break passes one dollar.
Software Engineer
Larkspur Financial Technologies, Austin, TX 2019 to 2022
Small business banking startup of about sixty people, with two engineers on the money movement team.
- Built the automated clearing house origination service in Python, covering file generation, return codes and notification of change handling.
- Integrated Plaid for account verification and cut failed first transfers caused by wrong account numbers from nine percent to two.
- Added structured logging and tracing to money movement paths, dropping median diagnosis time for a stuck transfer from a day to under an hour.
Licensure and Certification
Amazon Web Services Certified Developer Associate, 2023
Member, Association for Computing Machinery
Education
Bachelor of Science in computer science, University of Texas at Austin, 2019
Core Skills
Go · Python · Postgres · Kafka · Stripe · Plaid · Double entry ledger design · Idempotency and retry logic · Automated clearing house and Nacha rules · Settlement reconciliation · Incident response and on call