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Munib Tahir

@munibtahir

Backend Development Consultant at Tap Payments building event-driven payment and settlement services for high-volume payments.

Pakistan

Message

At Tap Payments, I design and deliver event-driven payment post-processing and settlement services in Java and Spring Boot. I built replay-safe processing and reconciliation safeguards, and standardized observability in ways that cut post-processing response time by about 30%.

At RHB Bank, I led a team of four as Technical Lead for a consent and account-linking platform. I owned its technical roadmap and architecture reviews, and led a legacy-to-microservices migration for core-banking integrations.

I also built digital banking services at RHB Bank, including an event-sourced balance ledger, transfers, transaction history, and KYC onboarding. The platform supported a zero-downtime migration of a 100K+ user base onto new regulated payment rails.

At Modirum, I led the migration of an EMVCo 3-D Secure platform from version 1 to version 2, enabling 15+ issuers to adopt modern authentication without downtime. Earlier, at i2c Inc., I designed real-time card authorization services processing 1M+ daily transactions and developed Open Banking AISP/PISP services.

Experience

Work history, roles, and key accomplishments

Current

Backend Development Consultant

Current

Tap Payments

Jan 2026 - Present (9 months)

Designed and delivered event-driven payment post-processing services covering capture, authorization, and refund flows. Architected a settlement platform with a wallet ledger service and implemented reconciliation and idempotency safeguards.

Java 21+Spring Boot Kafka Event Driven Architecture Exactly Once Processing Idempotency gRPC Settlements Wallet Ledger Observability A PM Structured logging DLQ Retry Error Classification

Consultant Backend Engineer (Technical Lead)

RHB Bank

Jun 2022 - Dec 2025 (3 years 6 months)

Led a team of 4 engineers as Technical Lead, architecting a microservice platform for consent and account linking. Designed and executed legacy-to-microservices migration and built an event-driven digital banking platform with event-sourced balance ledger.

Senior Software Engineer

Modirum

Jun 2020 - May 2022 (1 year 11 months)

Designed and evolved an EMVCo 3-D Secure Access Control Server for issuing banks, sustaining 2M+ authorizations per month. Led the architectural migration from 3DS v1 to v2 and built a plugin architecture supporting 15+ bank-specific authentication methods.

Java EMV 3DS 3DS2 Cisco Access Control Server Authentication HSMs Cryptography PSD2 SCA OTP Biometrics Fraud Scores Plugin Architecture Database Optimization Batch Processing Read Write Splitting Compliance Certification

Software Engineer

i2c Inc.

Jun 2016 - May 2020 (3 years 11 months)

Designed multi-threaded OLTP services for real-time card authorization, processing 1M+ daily transactions. Built event-driven payment services on Kafka and integrated Visa, Mastercard, Apple Pay, and Google Pay flows.