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Full Stack Engineer with 10+ years of experience building secure, scalable web platforms across fintech, insurance, and AI-enabled products. I develop cloud-hosted APIs and production-ready frontends, integrate data stores and caching for performance, and deliver AI-assisted workflows (including RAG-based assistants) with careful evaluation and human-review escalation.…

Michael Lai

Full Stack Developer, Web Developer, Software Engineer, +2

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Full Stack Engineer with 10+ years of experience building secure, scalable web platforms across fintech, insurance, and AI-enabled products. I develop cloud-hosted APIs and production-ready frontends, integrate data stores and caching for performance, and deliver AI-assisted workflows (including RAG-based assistants) with careful evaluation and human-review escalation.…

Available to hire

Full Stack Engineer with 10+ years of experience building secure, scalable web platforms across fintech, insurance, and AI-enabled products.
I develop cloud-hosted APIs and production-ready frontends, integrate data stores and caching for performance, and deliver AI-assisted workflows (including RAG-based assistants) with careful evaluation and human-review escalation.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Work Experience

Full Stack Engineer - AI Claims Automation at Igloo

March 1, 2023 - November 1, 2025

Built secure claim intake and review services combining claim details, policy data, uploaded documents, customer notes, and status updates via cloud-hosted APIs. Developed AI-assisted claim review features including claim summarization, document extraction workflows, missing-information detection, fraud-signal indicators, and routing recommendations for operations teams. Implemented a RAG-powered internal assistant to search policy rules, coverage conditions, partner guidelines, and operational documentation. Delivered React dashboard features for claim queues, review status, customer submissions, policy details, processing history, and reviewer workflows. Integrated PostgreSQL and Redis for claim records, cached policy data, workflow status, user sessions, and fast lookup patterns across review screens. Deployed and monitored services on AWS with secure configuration, logging, monitoring, and CloudWatch alerts; reduced API latency by up to 70% via query optimization, Redis caching pat

Full Stack Developer - BNPL Merchant Portal at Pace

February 1, 2015 - September 1, 2022

Built and maintained merchant portal features for transaction search, payment status filtering, refund history, settlement summaries, onboarding, and account setup workflows. Developed backend REST APIs for merchant transactions, installment-plan details, refund status, customer payment activity, and settlement records. Implemented frontend modules with React, TypeScript, Redux Toolkit, Tailwind CSS, and reusable UI components. Improved onboarding forms with validation, profile update flows, clearer error handling, and stronger UX for store and account configuration. Designed dashboard widgets for transaction volume, pending payments, failed payments, refund activity, and settlement status. Used PostgreSQL and Redis to support transaction lookup, cached merchant settings, and user sessions; reduced API response latency by up to 70% through query optimization, cached lookup patterns, request validation improvements, and CloudWatch monitoring. Supported QA, operations, and release cycles