Elson Alipio

Available to hire

I’m a full-stack fintech engineer with 10 years of experience building and scaling secure, high-throughput financial platforms.

About

I’m a full-stack fintech engineer with 10 years of experience building and scaling secure, high-throughput financial platforms. I’ve worked across digital banking, payments, and lending—turning complex requirements around reliability, performance, and regulatory compliance into production-grade systems.

I enjoy leading cross-functional teams and shipping end-to-end features, from API and microservices architecture to React-based user experiences and cloud infrastructure. Recently, I also focused on AI-enabled capabilities like RAG financial assistants and cash-flow forecasting pipelines, partnering closely with compliance and product teams to ensure GDPR/FCA and other regulatory-aligned data handling.

  • Joined October 2026

Languages

  • EnglishFluent

Industry experience

  • Financial Services
  • Software & Internet
  • Transportation & Logistics

More experts

Projects · 1

FxUtopia – AI SaaS Trading Platform

Designed and built a large-scale AI-powered SaaS platform for proprietary trading firms. The system enables traders to access simulated funded accounts, monitor performance in real time, and receive automated payouts. I owned the full SaaS architecture, including user dashboards, risk management logic, third-party trading integrations, payment automation, and cloud infrastructure. The platform supports high concurrency, real-time data streams, and compliance-driven automation across global users.

  • AI Engineer
  • Back-End Developer
  • Full Stack Developer

Work experience· 5 roles

AI Software Engineer (Lead) · Float Technologies Ltd.Aug 2025 – Present · 1 yr 4 mos

Led a 5-engineer squad building AI-assisted cash-flow forecasting features for a B2B SaaS platform used by 15,000+ SMEs. Architected a RAG-based financial insights assistant that reduced analyst manual review time by 35%. Integrated Open Banking (PSD2) feeds into a unified real-time ledger service, and optimized LLM inference on Kubernetes to cut cloud compute costs by 28%. Established team-wide code review and TDD standards, mentored engineers, and ensured GDPR- and FCA-aligned data handling across new AI features.

Senior Full-Stack Engineer · Penta Fintech GmbHAug 2023 – Jul 2025 · 2 yrs

Built core business-banking capabilities including multi-currency accounts, virtual cards, and automated bookkeeping exports for 45,000+ SME customers. Migrated a monolithic Java backend into Spring Boot microservices, improving deployment frequency from weekly to daily. Designed fraud-anomaly detection using gradient-boosted models and implemented BaFin/PSD2-compliant transaction monitoring and audit logging with Kafka and PostgreSQL. Improved P95 API latency by 40% through query optimization, Redis caching, and tuning connection pools while coordinating delivery across distributed Berlin and Manila teams.

Senior Software Engineer · Modulr Finance Ltd.Aug 2021 – Jul 2023 · 2 yrs

Developed payment initiation and account-issuing APIs supporting over £2B annualized transaction volume. Delivered a real-time payments dashboard in React/Redux used by 200+ enterprise clients. Automated reconciliation workflows between core ledger and card-scheme settlement files, reducing manual operations by 60%. Improved resilience using circuit breakers and idempotency keys across payment microservices and supported PCI-DSS and FCA safeguarding compliance for e-money product launches.

Full-Stack Developer · Validus Capital Pte. Ltd.Aug 2019 – Jul 2021 · 2 yrs
Software Engineer · Tonik Digital Bank Inc.Aug 2017 – Jul 2019 · 2 yrs

Education

Bachelor of Science in Computer Science · Polytechnic University of the Philippines2013 – 2017

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