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I am a senior full-stack engineer with experience in nine different industries, skilled in developing end-to-end platforms using React, Node.js, NestJS, PHP, Java, and .NET Core. I have a proven record of delivering high-volume transactional systems, fraud detection engines, credit onboarding flows, and e-commerce CMS tools. I am passionate about agile delivery, platform migration, and regulatory compliance, working with cross-border product teams using modern DevOps and CI/CD tools. Throughout my career, I have successfully engineered merchant checkout platforms, real-time fraud scoring microservices, and loan scoring APIs across multiple markets. I contributed to legacy platform modernization and implemented compliance admin panels across several countries. I strive to improve release quality and stakeholder predictability while enabling non-tech teams to manage content dynamically without developer support.…I am a senior full-stack engineer with experience in nine different industries, skilled in developing end-to-end platforms using React, Node.js, NestJS, PHP, Java, and .NET Core. I have a proven record of delivering high-volume transactional systems, fraud detection engines, credit onboarding flows, and e-commerce CMS tools. I am passionate about agile delivery, platform migration, and regulatory compliance, working with cross-border product teams using modern DevOps and CI/CD tools. Throughout my career, I have successfully engineered merchant checkout platforms, real-time fraud scoring microservices, and loan scoring APIs across multiple markets. I contributed to legacy platform modernization and implemented compliance admin panels across several countries. I strive to improve release quality and stakeholder predictability while enabling non-tech teams to manage content dynamically without developer support.

Antonio Fernandez

Full Stack Developer, Developer, Project Manager

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I am a senior full-stack engineer with experience in nine different industries, skilled in developing end-to-end platforms using React, Node.js, NestJS, PHP, Java, and .NET Core. I have a proven record of delivering high-volume transactional systems, fraud detection engines, credit onboarding flows, and e-commerce CMS tools. I am passionate about agile delivery, platform migration, and regulatory compliance, working with cross-border product teams using modern DevOps and CI/CD tools. Throughout my career, I have successfully engineered merchant checkout platforms, real-time fraud scoring microservices, and loan scoring APIs across multiple markets. I contributed to legacy platform modernization and implemented compliance admin panels across several countries. I strive to improve release quality and stakeholder predictability while enabling non-tech teams to manage content dynamically without developer support.…I am a senior full-stack engineer with experience in nine different industries, skilled in developing end-to-end platforms using React, Node.js, NestJS, PHP, Java, and .NET Core. I have a proven record of delivering high-volume transactional systems, fraud detection engines, credit onboarding flows, and e-commerce CMS tools. I am passionate about agile delivery, platform migration, and regulatory compliance, working with cross-border product teams using modern DevOps and CI/CD tools. Throughout my career, I have successfully engineered merchant checkout platforms, real-time fraud scoring microservices, and loan scoring APIs across multiple markets. I contributed to legacy platform modernization and implemented compliance admin panels across several countries. I strive to improve release quality and stakeholder predictability while enabling non-tech teams to manage content dynamically without developer support.

Available to hire

I am a senior full-stack engineer with experience in nine different industries, skilled in developing end-to-end platforms using React, Node.js, NestJS, PHP, Java, and .NET Core. I have a proven record of delivering high-volume transactional systems, fraud detection engines, credit onboarding flows, and e-commerce CMS tools. I am passionate about agile delivery, platform migration, and regulatory compliance, working with cross-border product teams using modern DevOps and CI/CD tools.

Throughout my career, I have successfully engineered merchant checkout platforms, real-time fraud scoring microservices, and loan scoring APIs across multiple markets. I contributed to legacy platform modernization and implemented compliance admin panels across several countries. I strive to improve release quality and stakeholder predictability while enabling non-tech teams to manage content dynamically without developer support.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Language

English

Fluent

Work Experience

Technical Product Manager at Qliro

June 1, 2021 - Present

Managed FinTech projects including credit checkout, onboarding, and fraud systems used by 2 million users. Built a merchant checkout platform handling €60 million per month with 99.99% uptime and 150 ms average response times. Engineered real-time fraud scoring microservices that reduced manual review workload by 28%. Developed and maintained loans scoring and risk APIs with historical audit trails across three markets. Created a GraphQL API gateway improving API observability by 40%. Implemented compliance administration panels in Sweden, Finland, and Norway. Contributed to legacy platform modernization using .NET Core, Node.js, PHP, and NestJS achieving 85% test coverage with 40ms faster response times. Delivered features in agile squads improving stakeholder sign-off predictability. Integrated Strapi CMS to dynamically manage marketing pages and legal content enabling non-technical teams to update 50 customer-facing assets without developer support.

Mid-Level Full-Stack Engineer at Bynk

May 31, 2021 - August 4, 2025

Worked on a mobile-first platform for consumer loans, account servicing, and credit scoring. Developed core loan origination logic submission flows used by 150,000 users. Built backend services for SEPA transfers and balance tracking with automated reconciliation. Created an account management dashboard and managed support requests. Integrated real-time alert system notifications with error monitoring. Implemented secure authentication flows following audit standards. Led backlog grooming and sprint planning to improve release quality.

Junior Full-Stack Developer at Palbin.com

August 31, 2017 - August 4, 2025

Developed core modules for shop management and shipping settings for DIY online shop platforms supporting 1,000 stores. Built and optimized checkout engine peak campaigns. Created responsive storefront templates and improved payment gateway reliability with fallback logic. Collaborated in 2-week sprint cycles with QA and product teams delivering over 40 stable production releases.