About Ray
I'm a Software Engineer with 5+ years of experience building robust, scalable systems in regulated financial environments. I specialise in .NET/C#, Azure cloud architecture, and microservices — with deep hands-on experience across the full payment lifecycle: direct debits, BACS, collections, reconciliation, and payment scheduling.
My background spans 18+ microservices in production within an FCA-regulated fintech, where correctness, reliability, and auditability are non-negotiable. I'm comfortable owning complex domains end-to-end — from architecture decisions and implementation through to deployment, monitoring, and production support. I've led the delivery of greenfield platforms, driven technical initiatives across multiple teams, and contributed to significant cost-saving projects by bringing critical business calculations in-house
What I bring to your project:
- Backend systems in .NET 8 / C# with Clean Architecture and domain-driven design
- Azure: Service Bus, CosmosDB, Azure Functions, Event Grid, Managed Identity, Blob Storage
- Payments & fintech: direct debits, BACS, reconciliation engines, payment schedule calculation
- Async and event-driven architectures with MediatR and message-based patterns
- BDD with Reqnroll/SpecFlow — tests readable by the business, not just developers
- Greenfield platform delivery, technical leadership, and legacy system modernisation
- SQL Server performance optimisation and EF Core query tuning
I work well in autonomous remote setups, communicate clearly in English, and bring both technical depth and business awareness to every engagement. Whether you need a senior individual contributor, a technical lead on a time-boxed project, or a specialist to untangle a complex payments or integration problem — I deliver clean, maintainable solutions that stand up in production.
Available remotely across the UK, Italy, and wider Europe.
English
Native or bilingual
Portuguese
Native or bilingual
Remote only
Primarily works remotely
Experience
- PremFinaSoftware EngineerBANKING AND INSURANCEJune 2024 - Today (2 years and 1 month)London, UK•Platform Architecture: Designed and led delivery of a greenfield Azure batch-automation platform (Project Summit) end-to-end — Azure Functions, CosmosDB, Blob Storage, Event Grid, and Managed Identity, provisioned via Terraform — replacing recurring manual operational processes and establishing a reusable foundation for future automation across the business.•Financial Impact: Co-led the Payment Schedules V2 architectural migration, bringing calculation engines in-house to deliver £500k+ in recurring annual savings while maintaining operational reliability within an FCA-regulated environment.•Technical Leadership: Led the Exception Intelligence Initiative — authored the Technical Design Authority (TDA) proposal and built an Azure Workbook with KQL diagnostics to surface production exceptions across the microservice estate; presented to the TDA and Senior Engineering Group to drive the platform-wide observability tooling decision.•Strategic Innovation: Authored an internal AI platform proposal using Azure API Management as a governance layer for LLM and agent access, validating feasibility with a working local-agent proof of concept.•Cloud Optimisation: Diagnosed and resolved infrastructure inefficiencies by refactoring platform-wide shared NuGet packages, eliminating Service Bus client leaks and reducing compute costs by 80% across affected microservices.•Scale & Resilience: Maintained and scaled a distributed ecosystem of 18+ production microservices processing 5,000+ daily financial events, using robust retry mechanisms and fault-tolerant patterns.•Engineering Culture: Championed DDD, Clean Architecture, and BDD (Reqnroll/MediatR pipelines) across teams, and was invited to chair a cross-team production incident retrospective, facilitating root-cause analysis and driving remediation actions beyond squad boundaries.
- BowimiSoftware DeveloperRETAIL (LARGE RETAILERS)September 2023 - June 2024 (9 months)Bath, UK•Integration Architecture: Architected and built the platform's third-party integration layer from scratch, enabling real-time data synchronisation for enterprise clients.•Product Delivery: Engineered financial accounting integrations with Xero and QuickBooks, developing both the C# backend logic and the Vue.js user interfaces.•Database Performance: Tuned multi-tenant PostgreSQL schemas and queries, ensuring low-latency data retrieval during high-volume synchronisation windows.
- Predify S.A.Software DeveloperDIGITAL AND ITSeptember 2021 - September 2023 (2 years)São Paulo, State of São Paulo, Brazil•Data Scale: Built and maintained 30+ concurrent automated web crawlers using C#, Python, and TypeScript to harvest large-scale market data.•Pipeline Refactoring: Redesigned the core data normalisation engine, cutting execution windows from 8 hours to under 1 hour — an 87.5% efficiency improvement.•Engineering Practices: Contributed to code reviews, debugging practices, and automated deployment pipelines in an Agile Scrum environment using Azure DevOps.
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