SOFTWARE ENGINEER IV

Karthick Anna Hemavardhan

***********.*********@*****.*** +1-609-***-**** PLANO, TEXAS

Professional Summary

Technical Leader and Hands-on Architect with 21+ years of experience delivering payment platforms, cloud-native systems, and real-time transaction processing across the US, Australia, Canada, Philippines, Malaysia, Jamaica, and India. Deep expertise in Java/Spring Boot, C#/.NET Core, Node.js, AWS/Azure/GCP, and high-throughput payment switches, gateways, and POS-on-cloud solutions. Strong background in EMV, PCI DSS, P2PE, tokenization, merchant onboarding, settlement/reconciliation, and integrations with processors including TSYS, Worldpay, Fiserv, First Data/RapidConnect, PayPal, Paya, and JPMC. Proven track record architecting distributed systems, modernizing legacy platforms, and leading cross-functional engineering teams to deliver enterprise-grade solutions.

Skills

Programming: Java (Spring Boot, Spring MVC, Hibernate), C#, .NET, .NET Core, ASP.NET, ASP.NET MVC, Node.js, Python, C, C++, VC++, MFC, CLI, Objective-C, iOS, Android, Pro*C.

Cloud: AWS (EKS, ECS, Lambda, SAM, CloudFormation, S3, API Gateway, CloudWatch, DataLake, Aurora, Redshift, DynamoDB, DocumentDB), Azure (Functions, CosmosDB, SQL Database, AKS, Message Bus, App Services), GCP, Kubernetes, Docker, Istio, Auth0, Serverless Computing.

Databases: Oracle, SQL, MySQL, PostgreSQL, PLSQL, T-SQL.

NoSQL Cloud Databases: DynamoDB, CosmosDB, MongoDB, DocumentDB, Aurora, Redshift, Redis.

Frontend: HTML, CSS, JavaScript, AngularJS, ReactJS, Razor Script, NodeJS, OOJS, GraphQL.

System Design & Architecture: Distributed Systems, System Design, Scalability, High Availability, Fault Tolerance, Design Reviews, API Design, Microservices, Event-Driven Architecture.

Payment Technologies: Payment Orchestration, Payment Gateways, Transaction Switches, Smart Routing, Tokenization, Recurring Payments, EMV Certification, P2PE, PCI DSS, PCI Compliance, Card-Present/Card-Not-Present Transactions, ACH, Check21, POS- on-Cloud, HSA/HRA Processing, Loyalty Platforms, Settlement & Reconciliation, Merchant Onboarding, Vault Migration.

Methodologies: Agile, Scrum, Kanban, Waterfall, FDD, TDD, Lean.

Work Experience

SOFTWARE ENGINEER IV

PDI Technologies Inc (formerly P97 Networks), Houston, Texas January 2025 — January 2026

Role: Principal Cloud Engineer

Technologies: Azure, C# .net, Cosmos, SQL Server, Message bus

Architected multi-tier distributed settlement reconciliation platform on Azure integrating with JPMC Embedded Payments using C# .NET Core, Azure Functions, CosmosDB, and SQL Server.

Developed cloud-native serverless tokenization API using C#, Azure Functions, and CosmosDB with PCI DSS compliance.

Led Payments vertical, defining technical roadmap and driving cross-team design reviews for Azure enterprise payment applications.

Drove cross-team design reviews and gained consensus among stakeholders on modernization and observability roadmaps.

Applied Gen AI tools (Claude, Replit) to accelerate code modernization and improve developer productivity.

TECHNICAL LEAD

ThoughtFocus Inc, Dallas, Texas September 2017 — January 2025

Client: Transaction Network Services Inc, Australia Role: Senior Lead Software Engineer

Technologies: Java Spring MVC, PostgreSQL, AWS, Lambda, NodeJS, DynamoDB, HTML/CSS, JavaScript, React, CI/CD, EKS

At ThoughtFocus, I led numerous customer projects end-to-end, acting as both Technical Lead and Engagement Manager—owning everything from on-site discovery and solution architecture through stakeholder buy-in and offshore delivery execution.

Architected and delivered AWS cloud-native payment orchestration platform, seamlessly integrating acquirers such as TSYS, WorldPay, Fiserv, and PayPal. Enabled multi-channel payment capabilities and scalable global operations.

Engineered intelligent transaction routing REST API system to maximize processing efficiency and success rates, with architecture supporting future integration of 35 additional acquirers.

Built a recurring payments REST API framework integrated with e-commerce platforms, merchant portals, and APIs, driving subscription-based payment models and merchant retention.

Created a comprehensive developer portal with API Explorer/Runner, tools, and documentation using HTML, CSS and Javascript, simplifying third-party integrations and accelerating onboarding for merchants and acquirers.

Delivered secure payment processing APIs using RBAC Authorization through ISTIO.

Client: PayFacto Inc, Canada Role: Senior Lead Software Engineer

Technologies: Java Spring MVC, PostgreSQL, AWS, Lambda, NodeJS, Python, CloudFormation, ECS, DataDog

Established a Site Reliability Engineering (SRE) team to optimize PayFacto’s AWS-based payment processing system, achieving 99.999% uptime, and ensuring high availability.

Built Datadog integration scripts through special Lambda, using CloudFormation to build the infrastructure and

Automated the integration of new AWS system logs from ECS and Fargate into Datadog dashboards via CloudWatch, enhancing real- time observability and monitoring efficiency.

Client: Whittle Group Inc, USA Role: Technical Architect

Technologies: AWS SAM, Lambda, NodeJS, DynamoDB, CI/CD, Cloudformation

Designed and implemented a serverless POS-on-Cloud solution, iConnect-REST, using AWS SAM, Lambda, and DynamoDB to wirelessly manage semi-integrated Ingenico terminals and significantly improve transaction reliability in retail environments.

Client: Pineapple Payments/Fiserv Inc, USA Role: Technical Architect

Technologies: Java Spring MVC, PostgreSQL, AWS, C#, SQL Server, ECS, Docker, CI/CD

Reverse-engineered a legacy encryption assembly in C# and SQL Server to enable seamless migration from Rackspace to AWS, unlocking $3M in new projects.

Developed Windows service using C# and SQL Server for vault migration for live production system.

Architected Pineapple Connect, a payments platform built with Java Spring and deployed on AWS, supporting card-present and card- not-present transactions across multiple industries, certified with TSYS, WorldPay, Fiserv, and Paya.

Developed an automated transaction testing tool in C#, reducing manual test effort and improving coverage for payment flows.

Client: Paya/Nuvei Inc, USA Role: Senior Lead Software Engineer

Technologies: C#, SQL Server

Architected an automated merchant onboarding solution integrated with TSYS, reducing onboarding time from 2 days to 2 minutes, significantly improving operational efficiency.

Consolidated multiple token vaults from various acquisitions into a unified vault system, enabling seamless data migration and enhancing security.

Client: JetPay/NCR Corporation, USA Role: Senior Lead Software Engineer

Technologies: Android/Java, C#, SQL Server, Objective C, Android

Engineered EMV certifications for JetPay’s payment solution with Visa, Mastercard, Discover, and Amex, ensuring compliance and broadening market adoption.

Designed and developed MyMobileMoney, a mobile application for iOS and Android, and FocusPay, a merchant portal and web server application, improving operational efficiency and user experience.

Architected custom user interfaces and acquirer integrations for the Poynt POS device, delivering tailored solutions for diverse merchant requirements.

Contributed to strengthening JetPay’s product portfolio, which led to NCR’s $183M acquisition of JetPay and resulted in NCR becoming a customer.

Client: BridgePay Network Solutions, LLC, USA Role: Senior Lead Software Engineer

Technologies: HTML/CSS, AngularJS, C#, ASP.Net, Kendo UI

Designed the User Experience (UX) and User Interface (UI) for the affiliated merchant portal, enabling dynamic private labeling through a seamless and intuitive design.

Developed proof-of-concept interfaces and mockups for private labeling using AngularJS, enhancing flexibility for BridgePay’s clients.

Led the migration of the legacy ASP Kendo UI platform to a modern Angular-based UI with C# Web APIs, improving scalability and user experience.

PAYMENTS CONSULTANT

ThoughtFocus Technologies India Private Limited, India March 2017 — September 2017

Technologies: Java Spring MVC, Postgres SQL

Architected and developed HSA merchant acquiring solutions, integrating with the TSYS payment processor, ensuring seamless payment processing and compliance with industry standards.

Led application development and UX/UI teams for the Payments and Loyalty Solution Group, delivering intuitive interfaces and robust functionality to support merchant operations.

FREELANCE PAYMENTS CONSULTANT

Self, Bengaluru, India JANUARY 2016 — MARCH 2017

Client: Calpion Software Technologies Private Limited Role: Consultant

Technologies: Azure, ASP.Net, C#, HTML, CSS, Razor Script

Developed AndodynePay for Calpion using ASP.Net and Razor script, a patient engagement platform, enhancing co-pay collection and enabling IVR payments for streamlined healthcare transactions.

Client: Docket Tech Solutions Private Limited Role: Technical SME Consultant

Technologies: Azure, C# .Net, Objective-C, Android,

Served as Acting CTO at DocketTech, leading the development of the company’s technology infrastructure to support scalable operations.

Designed and implemented automation engines using C# for legal document and e-stamp generation, reducing manual effort and increasing operational efficiency.

EARLIER EXPERIENCE (2010–2016)

ASSOCIATE TECHNICAL MANAGER / TECHNICAL LEAD / SYSTEMS LEAD

ThoughtFocus Technologies India Private Limited, India OCTOBER 2010 — JANUARY 2016

Technologies: C, C++, VC++, MFC, Unix, Oracle, C#, .NET, ASP.NET, Objective-C, Java, SQL Server, Android, iOS, ISO 8583 Key Projects:

FocusPay Product Suite – JetPay, Texas

Led architecture of FocusPay transaction switch using C# and ASP.NET MVC supporting real-time routing, authorization, settlement. Led iOS/Android mPOS teams with EMV/MSR/contactless integration.

AIS Switch – Advanced Integrated Systems, Jamaica

Designed integrated loyalty and payment processor supporting coalition loyalty, P2P cash transfer using C#.NET, C++, ASP.NET with ISO 8583 protocol conversion and interfaces for NCB Jamaica, SMS gateway, IVR system.

ATP Gen II Payment Switch – Banco De Oro (Philippines), BH Petroleum (Malaysia)

Designed XCOM middleware for high-performance payment switch processing 200+ TPS using C, C++, VC++, Oracle. Developed transaction routing, authorization, settlement engines for Hypercom/VeriFone terminals.

Petco POS Transaction Processor – Petco, California

Designed Petco POS application in C++ and VC++ integrating VeriFone terminal SDK. Implemented Bank of America tokenization routing with end-to-end encryption and PCI DSS compliance.

Additional Projects:

PSConnect (HSA/HRA e-commerce switch), Enroll and Pay (loyalty platform), MyMobileMoney (mPOS with dynamic protocol conversion).

Responsibilities:

Requirements analysis, proof-of-concepts, effort estimation, team training, product suite ownership, cross-client delivery.

Collaborated with the Pre-Sales team to draft software requirement specifications, create proof of concepts, estimate project efforts and costs, and train project implementation teams.

EARLIER TECHNICAL ROLES (2004–2010)

Technologies: C, C++, Unix, VC++, MFC, MS SQL Server, Java Swing, HTML, Javascript, CGIC

SOFTWARE DEVELOPMENT ENGINEER Cognizant, India SEPTEMBER 2009 — SEPTEMBER 2010

Implementation engineer for Invensys and developed Wonderware using VC++ and MFC, a HMI factory automation application, for automation of factory equipment’s using PLC.

SYSTEMS DESIGN ENGINEER MediaTek, India APRIL 2008 — AUGUST 2009

Developed CODA, an IDE for chipset designers to automate file generation (e.g., RTL Verilog, XML, C/C++ headers), enhancing productivity and consistency.

Designed META CLI, a console-based tool for automating mobile component calibration and testing using C# and C++/CLI, interfacing with unmanaged META DLL.

PROJECT ENGINEER Wipro Technologies, India AUGUST 2004 — JANUARY 2008

Developed firmware for routers and residential gateways using C, Unix, and open-source protocols (e.g., PPPoE, VOIP, RTP).

Built device simulators, backend services, and configuration GUIs with VC++, MFC, HTML, and JavaScript.

Education

Master of Science in Artificial Intelligence

University of Texas at Austin, USA. (January 2026 – May 2027) Master of Business Administration (Global Leadership) – Finance University of Texas at Dallas, USA. (May 2021 – December 2022) CORe - Credential of Readiness

Harvard Business School Online. (August 2020)

Bachelor of Engineering in Computer Science and Engineering

Bharathiar University, India. (September 2000 – April 2004)

Certifications

Google Cloud Certified Profession Cloud Architect (February 2026)

AWS Certified Solution Architect Associate (October 2024)

AWS Certified Cloud Practitioner (September 2024)

ETA CPP - Electronic Transaction Association Certified Payment Professional (JAN 2021)

PCIP - Payment Card Industry Security Standards Council Certified Professional (SEP 2020)

References

Available upon request.

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