I am a Senior Full-Stack Engineer with over 9 years of experience designing and developing secure, scalable systems in the FinTech and E-commerce industries. I have a strong track record of delivering high-volume transactional platforms, fraud detection engines, credit onboarding flows, and CMS tools while ensuring compliance with regulations like KYC and GDPR. I thrive working in Agile teams collaborating across borders, leveraging modern DevOps and CI/CD practices to shorten cycle times and improve product delivery predictability. I enjoy helping non-technical teams become empowered through dynamic content management systems and continuously modernizing legacy platforms to improve performance and maintainability.

Francisco Silva

I am a Senior Full-Stack Engineer with over 9 years of experience designing and developing secure, scalable systems in the FinTech and E-commerce industries. I have a strong track record of delivering high-volume transactional platforms, fraud detection engines, credit onboarding flows, and CMS tools while ensuring compliance with regulations like KYC and GDPR. I thrive working in Agile teams collaborating across borders, leveraging modern DevOps and CI/CD practices to shorten cycle times and improve product delivery predictability. I enjoy helping non-technical teams become empowered through dynamic content management systems and continuously modernizing legacy platforms to improve performance and maintainability.

Available to hire

I am a Senior Full-Stack Engineer with over 9 years of experience designing and developing secure, scalable systems in the FinTech and E-commerce industries. I have a strong track record of delivering high-volume transactional platforms, fraud detection engines, credit onboarding flows, and CMS tools while ensuring compliance with regulations like KYC and GDPR.

I thrive working in Agile teams collaborating across borders, leveraging modern DevOps and CI/CD practices to shorten cycle times and improve product delivery predictability. I enjoy helping non-technical teams become empowered through dynamic content management systems and continuously modernizing legacy platforms to improve performance and maintainability.

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Experience Level

Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
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Language

English
Fluent

Work Experience

Senior Full-Stack Engineer at Solidatus
April 1, 2025 - August 11, 2025
Led development of a merchant checkout platform embedded in over 400 stores, handling more than €60M in monthly transactions with 99.99% uptime and under 150ms response times. Created a consumer onboarding portal reducing sign-up times by nearly half and significantly improving KYC success rates. Engineered real-time fraud scoring microservices processing over 300,000 transactions daily, decreasing manual reviews by 28%. Built loan scoring and risk APIs supporting complex credit rules across multiple markets, and unified finance, cart, and product services through a GraphQL API gateway that cut client calls by 40%. Modernized legacy platforms transitioning from .NET Core to Node.js, PHP, and NestJS, improving test coverage and response times. Worked in agile squads deploying features with improved cycle times and better stakeholder predictability, integrating CMS solutions to empower non-technical teams to manage customer-facing content dynamically.
Mid-Level Full-Stack Engineer at Admiral Studios
April 1, 2021 - August 11, 2025
Developed core loan origination logic supporting over 150,000 customers including ID checks and eligibility scoring. Created backend services for SEPA transfers enabling same-day bank disbursements with automated reconciliation. Built user account management dashboards for statements and repayments, and integrated a real-time alert system delivering over 2 million monthly notifications with robust error monitoring. Implemented secure OAuth2 and JWT authentication flows meeting GDPR audits and reducing support tickets. Led backlog grooming and sprint planning to improve API risk management, reducing blocker resolution time and improving release quality.
Junior Full-Stack Developer at Quidgest
October 1, 2017 - August 11, 2025
Developed core modules for shop management including product catalogues, inventory, and shipping settings. Optimized checkout engine to improve load speed and reduce cart abandonment during peak campaigns. Created responsive storefront templates with localization for multiple languages. Improved payment gateway reliability by reducing failed transactions through retry and fallback logic. Worked in 2-week sprint cycles collaborating closely with QA and product teams, supporting over 40 stable production releases.
Senior Full-Stack Engineer at Solidatus
April 1, 2025 - August 14, 2025
Developed and maintained merchant checkout platform embedded in 400+ stores processing over €60M monthly with high uptime and low latency. Built consumer onboarding portal to reduce signup times and increase KYC success. Engineered real-time fraud scoring microservices that lowered manual reviews. Created unified GraphQL API gateway improving client calls and API observability. Modernized legacy platforms with migrations to TypeScript and improved response times. Collaborated in Agile squads to enhance development cycle times and integrated CMS for marketing and legal content management used across multiple countries.
Mid-Level Full-Stack Engineer at Admiral Studios
April 1, 2021 - August 14, 2025
Developed core loan origination backend supporting eligibility scoring and ID checks for 150K+ customers. Built backend services for SEPA transfers enabling same-day disbursements with automated reconciliation. Created React-based account management dashboard and integrated real-time alert systems scaled to millions of monthly notifications. Implemented secure OAuth2 and JWT authentication flows improving session support and compliance. Led Agile backlog grooming and sprint planning to reduce blockers and improve release quality.
Junior Full-Stack Developer at Quidgest
October 1, 2017 - August 14, 2025
Developed core shop management modules including product catalog, inventory tools, and shipping settings. Optimized checkout engine for faster load times and reduced abandoned carts. Created responsive storefront templates with localization for multiple languages. Improved payment gateway reliability by implementing retry and fallback mechanisms. Participated in two-week sprint cycles to deliver tested shop features, supporting stable production releases.

Education

Bachelor of Science in Computer Engineering at University of Minho
September 1, 2012 - June 1, 2016
Bachelor of Computer Sciences at University of Minho
September 1, 2012 - June 1, 2016

Qualifications

Add your qualifications or awards here.

Industry Experience

Financial Services, Retail, Software & Internet