Bread Finance enables eCommerce merchants to offer their customers pay-over-time solutions
•Led the design, development and transition from ACH payments processed by a daily file upload to a system where each payment is processed by an ACH API request; the system I developed processed millions of dollars’ worth of payments reliably without ever double-processing
•Automated the manual ID verification process which enables fraud-denied customers to checkout quicker
•Implemented backup fraud-rules and simplified the implementation of fraud rules by moving their definitions from across multiple database tables to a single file in the application level
•Implemented credit card payment velocity rules to combat an emergency credit card fraud situation
•Implemented UI/UX changes in the member’s portal to enable members to sign up for AutoPay before their loans started
•Implemented automated ACH payment corrections, merchant-initiated refunds, edit-shipping address feature on Bread’s checkout review screen, syncing of email unsubscribes with applicant report exclusions, the OFAC-Whitelist feature, cart email and SMS API endpoints and the applicant report front-end
•Recommissioned 25% of integration tests that were broken and flaky and shared best-practices and anti-patterns with the team
•Ran the onboarding program for new engineers