Samuel Joseph

Engineering Leader | Fintech, Payments, Infrastructure
Nairobi, KE.

About

Highly accomplished Engineering Leader with over 13 years of experience in fintech, payments, and cloud-native infrastructure, specializing in building scalable Core Banking Platforms and FX remittance rails. Proven ability to drive high-impact technical initiatives and lead remote teams in fast-paced, high-growth environments. Seeking challenging remote roles in infrastructure, backend, or payments engineering where deep financial expertise and strategic technical leadership can deliver significant value.

Work

Woodcore
|

CTO & Co-founder

Remote, Remote, US

Summary

Led the foundational strategy and full-stack development of Woodcore, a cloud-native core banking and payments infrastructure SaaS for the African market.

Highlights

Spearheaded the design and deployment of a highly composable Core Banking System, successfully onboarding over 3M customer accounts across 12+ banks in 3 countries.

Directed backend architecture and security, ensuring PCI-DSS and ISO 27001 compliance through robust audit trails, authentication flows, and secure vaulting mechanisms.

Engineered and launched Pooler (poolerapp.com), a comprehensive merchant payment gateway, expanding the platform's service offerings and market reach.

Managed end-to-end product development, from concept to market, establishing a scalable and resilient infrastructure for rapid growth and operational efficiency.

Fiter Inc
|

Country Manager (Engineering Lead)

Remote, Remote, US

Summary

Directed global engineering initiatives at Fiter Inc, specializing in remittance, card processing, and banking system implementations across various regions.

Highlights

Led the design and rollout of critical backend microservices powering KYC, transaction routing, and card issuing, enhancing system functionality and compliance.

Orchestrated the migration of legacy systems to containerized Golang services on Kubernetes, significantly improving system observability and scalability.

Collaborated cross-functional teams to deliver high-performance fintech APIs, consistently meeting strict Service Level Agreements (SLAs) for reliability and throughput.

Managed remote engineering teams, fostering a collaborative environment to achieve complex technical milestones across diverse global projects.

Fiter Inc
|

Core Banking Implementor (Independent Contractor)

Remote, Remote, US

Summary

Provided expert independent consulting for Fiter Inc, implementing advanced financial systems for various digital banks, ensuring robust core banking functionality.

Highlights

Built scalable backend systems for transaction processing and reconciliation at Sparkle Digital Bank, integrating a robust Core Banking System to support high-volume operations.

Developed comprehensive fraud detection mechanisms at Clane Digital Bank, utilizing internal behavioral heuristics and velocity checks to enhance security protocols.

Successfully implemented a Core Banking System and SEPA capabilities for Ibanera Payment, ensuring full compliance with PSD2 standards and ISO 20022 regulations, streamlining international transfers.

Isixty Design
|

Lead Engineer

Remote, Remote, US

Summary

Led engineering efforts at Isixty Design, specializing in developing robust payment libraries for fintech companies.

Highlights

Developed and optimized payment processing libraries, significantly improving transaction efficiency and integration capabilities for multiple fintech clients.

Collaborated with product teams to translate complex financial requirements into scalable and secure software solutions, enhancing product offerings.

MKobo Bank
|

Lead Engineer

Remote, Remote, US

Summary

Spearheaded middleware development at MKobo Bank, orchestrating seamless payment flows between customers and businesses.

Highlights

Designed and implemented critical middleware solutions, streamlining payment orchestration and enhancing transactional reliability for bank operations.

Optimized system performance and scalability to handle increasing transaction volumes, ensuring uninterrupted service for customers and businesses.

Freelancer
|

Web Developer

Remote, Remote, US

Summary

Provided independent web development services, designing and deploying over 50 web applications and websites for diverse clients.

Highlights

Successfully delivered over 50 custom web applications and websites using Wordpress and Ruby on Rails, consistently meeting client specifications and project deadlines.

Managed end-to-end project lifecycles, from client consultation and requirements gathering to design, development, and deployment, ensuring high client satisfaction.

Certificates

AWS Certified Cloud Practitioner

Issued By

Amazon Web Services

PCI-DSS & Fintech Compliance Workshop

Issued By

Various

ISO 27001 DPA

Issued By

Various

Udacity Nanodegree

Issued By

Udacity

Skills

Programming Languages

Golang, Python, Javascript.

Databases & Tools

Postgres, Redis, Docker, Kubernetes, Linux.

Cloud & DevOps

Cloud, CI/CD, Microservices, IaC, Observability, Security, Load Balancing.

Financial Expertise

Stables, Circle, SWIFT, CBS, ISO 8583/20022, Remittance, Card Issuing, FX, Wallets, Ledgers.

Architecture & Design

API Design (REST/gRPC), Distributed Systems, Event-Driven Design, Rate-Limiting.

Leadership & Strategy

Executive Strategy, Technical Strategy, Cross-Functional Collaboration, Team Building, Remote Teams.