# Manish Chatterjee > Technology Leader | Payments Rails (ACH, Wire, RTP, FAST) | Event-Driven & Cloud-Native Systems | AWS EKS • Kafka • Microservices | Fraud & Risk Platforms | Agentic AI-Enabled Development Location: San Francisco Bay Area, United States Profile: https://flows.cv/manishchatterjee Technology leader with 21+ years of experience designing and delivering scalable, high-availability platforms across payments and financial technology domains. Specialized in building end-to-end payment integration and transaction processing systems spanning architecture, development, production deployment, and operational support for mission-critical services. Extensive experience working across multiple payment rails including ACH, domestic and international wire transfers, Real-Time Payments (RTP), and FAST instant payment integrations in Singapore. Proven track record delivering compliant, resilient, and high-throughput money movement capabilities from solution design through implementation and production rollout. Earlier in my career, I contributed to global fraud and risk decisioning platforms including Visa Risk Manager and Advanced Authorization, supporting AI-driven transaction monitoring and authorization intelligence systems operating at global transaction scale. This experience strengthened my understanding of real-time risk evaluation, high-throughput transaction processing, and resilient distributed system design. More recently, I have worked extensively in cloud-native environments leveraging AWS, Amazon EKS, SNS/SQS messaging, and Kafka-based event-driven architectures to build resilient, scalable services. Over the past year, I have incorporated agentic and AI-assisted development workflows into my engineering practice, leveraging tools such as Claude and Cline to accelerate design exploration, code generation, refactoring, debugging, and documentation while maintaining strong engineering rigor and production standards. Core areas of focus include: • Payments platforms and financial systems (ACH, Wire, RTP, FAST) • Fraud and risk decisioning systems • Distributed systems and microservices architecture • Event-driven design (Kafka, SNS/SQS) • Cloud-native engineering (AWS, EKS, Kubernetes, Docker) • Cloud-data processing (AWS S3) • Agentic and AI-assisted software development workflows • Legacy modernization and platform transformation • Production reliability and operational support I am currently exploring engineering opportunities where I can contribute deep domain expertise, architectural thinking, and hands-on technical leadership to high-impact engineering teams. Authorized to work in the United States – No sponsorship required ## Work Experience ### Staff Software Engineer @ Gemini Jan 2022 – Present | San Francisco Bay Area • Delivered end-to-end payment integration solutions supporting ACH, domestic and international wire transfers, RTP networks, and FAST instant payments in Singapore, enabling reliable multi-rail money movement capabilities. • Architected and operated event-driven microservices platforms leveraging Kafka and AWS messaging services (SNS/SQS) to support asynchronous transaction workflows and improve system resiliency. • Built and maintained cloud-native payment processing services on AWS using Amazon EKS, Kubernetes, and Docker to support scalable and highly available financial infrastructure. • Owned production reliability and observability for critical payment services through implementation of monitoring and service-level objectives (SLOs), improving incident response and system availability. • Led modernization initiatives migrating legacy applications to cloud-native environments, transitioning integration patterns toward microservices and event-driven architectures on AWS. • Provided technical leadership and mentorship to engineering teams on system design, debugging, and operational best practices. • Leveraged agentic and AI-assisted development workflows (Claude, Cline) to accelerate solution design, implementation, and documentation while maintaining production-grade engineering standards. ### Lead Software Engineer @ Visa Jan 2011 – Jan 2022 | Foster City, CA Lead Software Engineer • Contributed to development and enhancement of large-scale fraud and risk decisioning platforms including Visa Risk Manager (VRM), Advanced Authorization (AA), and Risk Message Processor (RMP) supporting real-time transaction monitoring across global payment networks. • Supported AI-driven Advanced Authorization systems leveraging neural network–based transaction scoring models to detect fraudulent activity and assist issuer authorization decisions. • Developed backend services for Risk Message Processor (RMP) using Java on Linux platforms, utilizing Cassandra for distributed storage and MQ-based messaging for real-time issuer alerting. • Enhanced Visa Risk Manager (VRM) rule engine systems used by member banks to define transaction monitoring policies for fraud detection and alert generation. • Contributed to Open VisaNet (OVN) open-systems transaction processing platform built using Golang on containerized Docker/Kubernetes infrastructure with Cassandra and Kafka-based messaging. • Collaborated within onsite–offshore delivery model to support development and enhancement of high-throughput transaction processing systems requiring low-latency decisioning and high availability. ### Software Engineer @ RS Software Jan 2004 – Jan 2011 | Foster City, California, United States Worked with VISA Risk Systems team as part of this assignment. ## Education ### Bachelor's degree in Computer Science Kalyani Government Engineering College ### Higher Secondary in Science Ramkrishna Mission Vidyamandir ### Secondary in Schooling Birbhum Zilla School ## Contact & Social - LinkedIn: https://linkedin.com/in/manishchatt --- Source: https://flows.cv/manishchatterjee JSON Resume: https://flows.cv/manishchatterjee/resume.json Last updated: 2026-04-12