About Work Journey Beyond Contact
VIPIN
Seattle, WA

Engineer. Architect. Creator.

I design large-scale distributed systems and turn complex platform strategy into reliable, durable products.

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Python AWS / Kubernetes Temporal FedNow FedWire ACH · NACHA ISO 20022 DynamoDB Distributed Systems Workflow Orchestration Real-Time Payments Java FastAPI OpenTelemetry Python AWS / Kubernetes Temporal FedNow FedWire ACH · NACHA ISO 20022 DynamoDB Distributed Systems Workflow Orchestration Real-Time Payments Java FastAPI OpenTelemetry
About

Building systems
that matter

Vipin Jose
Architecting Payment Hub · SoFi Tech Solutions

I'm a software engineer with 11+ years of experience architecting large-scale distributed systems and leading high-stakes platforms from strategy through production.

At SoFi Tech Solutions, I set architectural direction for Payment Hub and have led mission-critical payment systems from concept through launch and sustained operation. I care deeply about correctness, resilience, and building platforms that create leverage beyond a single product or team.

Outside of systems, I'm drawn to the questions that don't have clean answers — consciousness, time, meaning, what lies beyond what we can observe. The same curiosity that pulls me toward hard engineering problems pulls me toward the edges of what's knowable.

0
Years of experience
3600s
FedWire — down from 1+ hour
0
ACH throughput improvement
FedNow — real-time, always on
Work

Things I've built

Selected platform work across payments, workflow orchestration, cloud infrastructure, and technical leadership.

⚡

Payment Hub

Architected a unified, client-facing payment platform with consistent APIs, rail-independent events, decisioning, and workflow primitives for current and future rails.

One platform · Every rail
🚀

FedNow — Instant Payments

Led SoFi Tech Solutions' first 24×7×365 instant payment rail — among the first to enable both send and receive on FedNow. Architected for 99.95% availability and millions of transactions annually.

Real-time · Always on
🔄

Temporal Platform

Helped establish Temporal as a shared workflow orchestration platform. Delivered the first production workflows and set patterns for durable execution, recovery, and observability.

Company-wide adoption
🏦

FedWire Modernization

Led architecture and delivery with direct Federal Reserve connectivity via FedLine Direct. Replaced manual batch submission with near real-time processing and introduced ISO 20022-native infrastructure.

1.04 hrs → ~55 seconds
📦

ACH Platform

Expanded ACH with CCD, CIE, and PPD SEC codes enabling B2B, B2C, and C2B transfers. Improved throughput ~65% by parallelizing long-running workflows.

~65% throughput gain
☁️

AWS Migration

Led near-zero-downtime migrations of legacy ACH and Billpay platforms from on-prem to AWS, keeping live production payment systems running throughout.

Zero downtime
🧭

Technical Leadership

Mentored senior engineers, clarified ownership boundaries, and created architecture and execution patterns that enabled teams to deliver high-stakes systems with less ambiguity.

Architecture · Standards · Leverage
Journey

The path here

Over a decade across fintech, networking, enterprise software, and research.

2020 – Now
Staff Software Engineer
SoFi Tech Solutions · Seattle, WA
Architect and technical lead for Payment Hub, a foundational multi-rail payment platform. Set platform direction, led delivery of real-time and high-value payment systems, and helped establish Temporal for company-wide workflow orchestration.
2018 – 2020
Software Engineer
Ubiquiti Networks · Salt Lake City, UT
Core backend engineer on the UniFi Dream Machine — Ubiquiti's all-in-one networking device. Built systems for device provisioning, configuration management, and lifecycle workflows across routing, switching, and Wi-Fi components.
2016 – 2018
M.S. Computer Science · GPA 3.9
University of Utah · Salt Lake City, UT
NIH-funded research applying topological data analysis to structural MRI data. Published in Brain Connectivity, 2018.
Summer 2017
Software Developer Intern
Overstock.com · Midvale, UT
Shipped a Java/Spring application to production for dynamic website content management. Contributed improvements across SEO and user-generated content modules.
2013 – 2016
Sr. Systems Engineer
Infosys Limited · Hyderabad, India
Led migration of enterprise insurance applications from AS/400 to Mainframe. Primary engineer for production support of large-scale batch processing workloads in a regulated environment.
2012 – 2013
Business Analyst
Serco (Google GTL) · Hyderabad, India
Automated reporting workflows, reducing daily manual effort from 10 hours to 30 minutes. Awarded the Google Gold Award for operational impact.
Research

Publication

Peer-reviewed research in topological data analysis applied to neuroscience.

Brain Connectivity · 2018
Revisiting Abnormalities in Brain Network Architecture Underlying Autism Using Topology-Inspired Statistical Inference
NIH-funded · University of Utah

Applied graph-based statistical analysis and topological data analysis (TDA) to structural MRI data to study network-level brain organization in autism.

→
Beyond the Code

Outside work

A few things that keep me grounded, curious, and moving.

⛷️

Skiing

The mountain is my happy place. Speed, focus, fresh snow — it resets everything.

🌍

Traveling

Always planning the next trip. New places, new perspectives — the best way to stay curious.

🧘

Meditation

A daily practice. The mind works differently when it's quiet.

🥾

Hiking

Best thinking happens on a trail. Nature untangles what a screen can't.

📸

Photography

Finding the interesting angle in an ordinary moment. A practice in attention.

🍽️

Food & Cooking

Exploring new restaurants as much as new recipes. Food is culture and connection.

Contact

Get in touch

Let's
connect.

Whether you have a role in mind, want to talk systems design, or just want to connect — feel free to reach out.

linkedin.com/in/vipin-jose →
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