# Clifton Ho

> Full-Stack Software Engineer | Fintech & Developer Platforms | Node.js, Next.js, & React

Location: San Francisco, California, United States
Profile: https://flows.cv/cliftonho

I am a Software Engineer passionate about building scalable developer tools and high-performance financial interfaces. Currently, at US Bank, I focus on bridging the gap between complex banking infrastructure and seamless developer experiences.

I specialize in architecting API Sandbox Frameworks and Service Virtualization tools that decouple frontend and backend dependencies, significantly accelerating the shipping speed of engineering teams. By leveraging Next.js and Node.js, I build robust, full-stack applications that are optimized for both performance and developer adoption.

Core Technical Competencies:

Frontend: React, Next.js (App Router, SSR/SSG), TypeScript, Tailwind CSS.

Backend: Node.js, Express, RESTful API Design, OpenAPI/Swagger.

Architecture: Backend Virtualization, Microservices, System Design, API Sandboxing.

Domain Expertise: Connected Finance, Fintech, Developer Experience (DX).

I am driven by the challenge of turning complex system requirements into intuitive, developer-friendly platforms. Let’s connect to discuss the future of Fintech, System Design, or modern Web Architecture.

Email: cliftonho311@gmail.com

## Work Experience
### Software Engineer @ U.S. Bank
Jan 2022 – Present
Building and Maintaining an API Sandbox Framework using Node.js reducing third-party developer onboarding time by 40% and accelerating the adoption of US Bank, Elavon, and Elan financial products."

> Maintain production-grade Node.js sandbox environment simulating 50+ US Bank APIs, supporting 150+ monthly developers and accelerating partner integration timelines by 7 days through realistic test environments and comprehensive API coverage"

> Continuously enhance sandbox platform by implementing new API endpoints aligned with production releases, resolving critical bugs affecting developer workflows, and adding features like advanced error scenarios and webhook simulation.

### Software Engineer - IBM Cloud - Account Management @ IBM
Jan 2021 – Jan 2022

### Cloud Specialist @ IBM
Jan 2019 – Jan 2021
-  Developed a grading application for dental and medical schools using React/Redux on the frontend, Node/Express backend for REST APIs and a Postgres database layer running on IBM Cloud Kubernetes Service.

-Collaborated with Product Owner and UX/UI Designers to create a seamless interface used for faculty end users.

- Assisted with installation of RedHat OpenShift across various IBM platforms.

Tech Stack - React, Redux-Sagas, Postgres, Sequelize, CSS, NodeJS, Express, Kafka, Openshift, Docker, Kubernetes

### Finance Manager I / Senior Analyst @ McKesson
Jan 2016 – Jan 2018
•	Directly managed a portfolio of 300+ accounts from four regions consisting of 12 states, with an aggregate credit exposure of $2.0B+.
•	Led the development and implementation of standard operating procedures which has been implemented throughout all the national regions.
•	Underwrite and structure financing deals ($25M YTD) for acquisitions and startups for small businesses between $1MM and $20MM in annual sales.
•	Cultivate relationships with customers to build and grow their portfolio of existing business.
•	Actively monitor customer accounts to determine credit risk and assign risk grades.
•	Generate management reports and dashboards via Tableau and Excel in support of management decision-making for the business unit.


## Education
### Master of Business Administration (M.B.A.) in Information Technology
California State University - East Bay

### Bachelor of Science - Management Information Systems
San José State University


## Contact & Social
- LinkedIn: https://linkedin.com/in/clifton-ho

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Source: https://flows.cv/cliftonho
JSON Resume: https://flows.cv/cliftonho/resume.json
Last updated: 2026-03-29