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Muhammad M BILAL

@muhammadmbilal

Senior Full Stack Developer at Origence who cut payment latency and duplicate-charge support tickets by hardening Go payment services.

United States
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At Origence, I took an existing payment service through its split into Go and Node.js services on AWS, owning the service boundaries and Go authorization service. Payment latency fell from 520ms to 340ms, and hardening payment retries and webhook delivery cut duplicate-charge support tickets by 38%.

I also reworked the KYC onboarding flow and built an Angular review console for compliance analysts, reducing median onboarding time from 2.1 days to 11 hours. By integrating the data science team's fraud-scoring model into the payment path, I helped reduce chargebacks by 19% at a 0.8% false-decline rate.

At Origence, I contributed to a production LLM support assistant using OpenAI and Claude APIs with RAG, and improved the customer transactions dashboard for about 18,000 monthly active users. I also introduced live payment status updates and caching to reduce API latency and load.

Previously, at OptimalBlue, I worked on mortgage application and underwriting products. I improved the application flow, delivered save-and-resume APIs, and helped bring key borrower flows to WCAG 2.1 AA; I also hold an AWS Certified Developer - Associate certification.

Experience

Work history, roles, and key accomplishments

Origence logoOR
Current

Senior Full Stack Developer

Origence

Oct 2022 - Present (4 years 1 month)

Led the split of a payment service into Go and Node.js services on AWS, reducing p95 latency from 520ms to 340ms. Integrated a fraud-scoring model, contributed to an LLM support assistant, and improved authentication and CI/CD across services.

Education

Degrees, certifications, and relevant coursework

National University of Sciences and Technology (NUST) logoNN

National University of Sciences and Technology (NUST)

Bachelor of Science, Computer Science

2015 - 2019

Bachelor of Science in Computer Science from the National University of Sciences and Technology (NUST), completed in 2019.

Amazon Web Services (AWS) logoAA

Amazon Web Services (AWS)

AWS Certified Developer - Associate, Cloud Development

Earned the AWS Certified Developer - Associate certification.

Amazon Web Services (AWS) logoAA

Amazon Web Services (AWS)

Agentic AI on AWS - LangGraph, CrewAI, Bedrock, Kiro & MCP, Artificial Intelligence

Completed training on Agentic AI on AWS covering LangGraph, CrewAI, Bedrock, Kiro, and MCP.

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