Open to opportunities

David Jin

@davidjin1

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Staff software engineer with 13 years scaling payment and fintech systems at global scale.

United States

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What I'm looking for

I’m looking to keep building secure, high-throughput payments and fintech platforms—leading teams, integrating AI-driven payment features, and driving reliability, scalability, and PCI-compliant transaction flows in a mission-focused environment.

I’m a Staff Software Engineer with 13 years of experience building and scaling high-impact payment and fintech systems used by 5M+ merchants worldwide. At Stripe, I led engineering for Terminal’s in-person payment platform from early growth to global scale, contributing across backend, cloud, and merchant-facing interfaces.

I directed a team to deliver a scalable server-driven architecture and integrated Terminal with 1000+ third-party POS systems while supporting Stripe’s $1.9T payment volume. I’ve also shipped AI-powered payments (Optimized Checkout and Radar Assistant), built PCI-compliant real-time webhook processing, and strengthened reliability and security through cloud configuration and encryption practices.

Experience

Work history, roles, and key accomplishments

Current

Staff Software Engineer

Current

Stripe

Feb 2018 - Present (8 years 3 months)

Led Terminal’s in-person payments platform by directing a backend architecture using Node.js and Ruby, enabling integration with 1000+ third-party POS systems and supporting Stripe’s $1.9T payment volume. Integrated Stripe’s AI payments suite and built secure webhook listeners and data persistence to improve fraud prevention/authorization to 98% while ensuring PCI-compliant encrypted transaction f

Node Ruby Python Webhooks PCI DSS PostgreSQL AWS Infrastructure Fraud Prevention

Software Engineer

Toptal

Aug 2013 - Jan 2018 (4 years 5 months)

Delivered full-stack solutions across 10+ client engagements in fintech, e-commerce, and healthcare, owning projects from design through production launch. Built a real-time payment reconciliation system processing $50M+ monthly transactions, architected a multi-tenant SaaS backend handling 10x traffic spikes, and improved healthcare scheduling outcomes by reducing no-shows 22% and cutting billing

JavaScript React PostgreSQL Payment Reconciliation