Vidhi Jain

Product Engineer

Bengaluru, Karnataka, India9 yrs 3 mos experience

Key Highlights

Expert in real-time payment systems and financial transaction processing.
Proficient in Java and Spring Boot for scalable backend solutions.
Mentored over 300 students in programming and software engineering.

Stackforce AI infers this person is a Fintech Backend Engineer with expertise in real-time payment systems and microservices architecture.

Contact

Skills

Core Skills

JavaSpring BootCommunity BuildingRest Apis

Other Skills

MentoringResume ReviewReal time paymentsSoftware DevelopmentISO 20022LeadershipMicrosoft SQL ServerModel-View-Controller (MVC)GitAlgorithmsBackend DevelopmentAcceptSpingbootSocial MediaCareer Counseling

About

I’m a Software Engineer at ACI Worldwide (previously at IBM) working on real-time payment systems used by banks and financial institutions across multiple countries. My work focuses on building high-availability, low-latency systems that process large volumes of financial transactions while meeting strict requirements around reliability, consistency, and compliance. At ACI, I work on the Instant Payment Framework (IPF), contributing to payment processing infrastructure and ISO 20022 messaging flows used for high-value banking transactions. My work includes designing Java and Spring Boot microservices, building transaction workflows and REST APIs, and ensuring systems scale reliably under peak load. Previously at IBM, I developed enterprise backend systems and microservices, implemented CI/CD pipelines, and contributed to production-grade applications used by large clients. I primarily work with Java, Spring Boot, and microservices, focusing on distributed systems, real-time payment processing, API design, and system reliability. Alongside my professional work, I’ve mentored 300+ students over 5+ years in programming and software engineering, helping them transition into real-world development roles.

Experience

Geeksforgeeks

Mentor

Jul 2025 – Present · 9 mos

MentoringResume Review

Aci worldwide

Software Engineer

Sep 2024 – Present · 1 yr 7 mos · Bengaluru, Karnataka, India · Hybrid

Developed Java & Spring Boot microservices within ACI’s Instant Payment Framework (IPF) supporting high-value banking transactions.
Designed ISO 20022 payment flows (pacs.008 credit transfers, camt.056 / camt.029 cancellations).
Built scheme-agnostic payment routing logic enabling interoperability with networks such as SWIFT , CHIPS, and FED.
Implemented adapter integrations connecting IPF with legacy Money Transfer Systems (MTS) for payment settlement.
Developed high-volume transaction validation, routing, and persistence logic for scalable financial processing systems.
Built backend APIs and message transformation pipelines for the payment processing platform using Java and Spring Boot.
Improved observability and transaction traceability through centralized logging and database-based lifecycle tracking.
Collaborated with cross-functional teams to deliver payment modernization features for ISO 20022 migration initiatives.

JavaSpring BootReal time paymentsSoftware Development

Leap.club

Member

Jun 2023 – May 2025 · 1 yr 11 mos · Remote

Community Building: Founded and scaled a women-only housing circle on Leap.club, growing it to 150+ members and facilitating brokerage-free flat hunting.
Successfully transitioned into an active WhatsApp community that continues to engage beyond the initial purpose.
Impact Focus: Created a safe, supportive community of 150+ women for housing needs, saving members brokerage costs and enabling ongoing peer-to-peer networking.WhatsApp group: https://chat.whatsapp.com/LqGiPDyb6PW3is7JFwGxcG

Community BuildingLeadership

Ibm

2 roles

Application Developer

Oct 2022 – Aug 2024 · 1 yr 10 mos

Developed Java Spring Boot backend services and REST APIs for enterprise applications.
Designed microservices supporting core business workflows and JSON-based integrations.
Built scalable RESTful APIs used across multiple enterprise client systems.
Implemented CI/CD pipelines using Git, Maven, and Jenkins for automated builds and deployments.
Improved application stability through debugging, performance optimization, and code reviews.
Authored technical design documents translating business requirements into backend architectures.
Mentored junior developers and supported onboarding on coding standards and best practices.

JavaMicrosoft SQL ServerREST APIs