About Work Journey Beyond Contact
VIPIN
Seattle, WA

Engineer. Architect. Creator.

I design and build large-scale distributed systems — currently focused on financial systems, where reliability and correctness aren't optional.

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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
Building Payment Hub · Galileo/SoFi

I'm a Staff Software Engineer with 11+ years of experience designing, building, and operating large-scale distributed systems. Right now, that means financial systems — payment rails, workflow orchestration, and platforms that move money reliably at scale.

At Galileo/SoFi, I lead the engineering behind the Payment Hub — a platform unifying FedWire, FedNow, and ACH under a single architecture. I care deeply about correctness and building systems that hold up when it matters most.

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

Current role · Galileo/SoFi — systems that move real money, built for correctness, reliability, and scale.

⚡

Payment Hub

Designed and built Galileo's unified payment platform — a single API surface, consolidated eventing model, and shared orchestration primitives across FedNow, FedWire, and ACH.

One platform · Every rail
🚀

FedNow — Instant Payments

Led Galileo's 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

Instrumental in establishing Temporal as Galileo's workflow orchestration platform. Built the first production workflows across payment rails, creating org-wide standards and best practices.

Company-wide adoption
🏦

FedWire Modernization

Led architecture and delivery with direct Federal Reserve connectivity via FedLine Direct. Replaced a manual batch process with near real-time processing. First Galileo system on ISO 20022.

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, drove architectural direction across the Payment Hub, and established cross-team standards and best practices — enabling clear ownership and faster execution at scale.

Staff · Galileo/SoFi
Journey

The path here

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

2020 – Now
Staff Software Engineer Current
Galileo Financial Technologies / SoFi · Seattle, WA
Architect and technical lead for the Payment Hub — Galileo's foundational multi-rail payment platform. Led delivery of FedWire, FedNow, and ACH expansions; instrumental in establishing Temporal as the company-wide workflow orchestration platform.
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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