# Morgan Hankins > Software Engineer Location: San Francisco, California, United States Profile: https://flows.cv/morganhankins Experienced engineer with a track record of shipping complex projects in highly-regulated areas including payment processing, trading systems and loan&card management. 10x environments >> 10x people Java et al (Scala, Kotlin, Clojure), JS/Node, Python, Ruby, React, Android, AWS, Elastic Search, serverless... ## Work Experience ### Principal Software Engineer @ LendUp Jan 2017 – Jan 2018 | San Francisco Bay Area Senior contributor to redesign and reimplementation of LendUp's Java 6 monolith into a suite of Java 9 microservices. The resulting system was composed of three microservices: Payments encapsulating interaction with third party payment providers and incoming customer loan payments, System of Record encapsulating account balances and life cycle events, and finally Underwriting & Credit Reporting encapsulating interaction with major and minor credit bureaus and submitting consumer credit information. This resulted in significant performance improvements, e.g. daily processing Lendup’s portfolio of approximately 500K loans reduced from hours to minutes, loan error rates reduced from ~3% to < .1%. Transition was done via phased approach modifying the live transactional system. Phase One was the development of metrics to allow diagnostics for further changes. Phase Two was the separation of reporting datastore from the transactional datastore and encapsulation of their respective APIs. Phase Three being a complex migration/translation of loan data. This effort involved significant restructuring of data and data access: separation of reporting from transactional data, encapsulation of data mutation behind service APIs, as well as migration from a general datastore (SQL) to specialized datastores (sql for web systems, log-backed noSQL for transaction processing, and Redshift for reporting). Developed testing infrastructure which allowed complete comparison of loan-state processing between subsequent versions. Made standard financial accounting concepts like triple-entry bookkeeping central to testing and reporting. This was critical to manage smooth change management. All of the above involved detailed exploration, refinement, and formalization of system requirements with all stakeholders including customer service, accounting, legal, and credit. This was especially critical as the initial system (prior to my involvement) had no written specifications or tests. ### Co-Founder and CTO @ Community Investment Management LLC Jan 2012 – Jan 2016 | San Francisco Bay Area Developed loan management platform to perform underwriting analysis, order execution and portfolio reporting. Integrated with eight marketplace lenders and analyzed over 500,000 loans. Implemented financial algorithms including static-pool analysis, portfolio back-testing, and asset allocation strategies. As part of CIM's investment committee, performed technical diligence on prospective lending partners. Used R and D3 to produce dashboards and loan analysis tools to explore highly heterogeneous loan datasets. ### Software Engineer @ Merchant e-Solutions Jan 2004 – Jan 2012 Developed credit card processing gateway used by banks, e-commerce and retail merchants. Ownership of architecture, implementation and delivery of flagship payment processing product that has handled over two billion transactions Manage team and infrastructure that owns operations, uptime and monitoring of systems across active-active two data-center configuration Complete technical and implementation responsibility for relationships with processors including PayPal, VisaNet, MasterCard and American Express Implemented monitoring system to verify correct functioning of customer facing assets, internal systems and vendor provided services Developed core transaction processing in Java with build, scripting and monitoring in Ruby and Python ## Education ### BS in Computer Science Carnegie Mellon University ### MS in Computer Science The University of Edinburgh ### George School ## Contact & Social - LinkedIn: https://linkedin.com/in/morgan-hankins - GitHub: https://github.com/morganhankins --- Source: https://flows.cv/morganhankins JSON Resume: https://flows.cv/morganhankins/resume.json Last updated: 2026-03-30