Rusif Budagov

Payriff is a fintech company providing secure, PCI-DSS and 3D Secure-compliant online payment solutions, enabling merchants to process payments, create invoices, and monitor transactions in real time.

At Payriff, I lead the design and implementation of fully reactive microservices using Spring Boot (Java 21, WebFlux, R2DBC), ensuring scalable and non-blocking payment processing systems. I utilize AWS services (SQS, SNS, Lambda, API Gateway, Cognito, S3, EKS) and Kafka for building resilient, event-driven architectures. Responsible for technical decision-making, system design, and scalability planning, aligning implementation with business objectives. Manage and mentor a team of engineers, conducting code and architecture reviews, enforcing clean code, SOLID principles, and best practices. Oversee CI/CD pipelines with GitLab, Docker, and Kubernetes, with observability via Grafana, Loki, and Prometheus. Ensure quality with unit, integration, and contract testing using JUnit, WebTestClient, and Testcontainers within a reactive environment.

• Architected and Led Full-Cycle Development: Directed the creation of an advanced money transfer system for a leading Azerbaijani bank, serving as architect, manager, and senior engineer. This included defining scalable architecture, system design, and technical direction to ensure high performance and resilience in production.
• Designed Event-Driven Architecture: Leveraged Axon Framework with MongoDB to implement a CQRS and event-sourcing architecture, enabling real-time data consistency and high availability. Customized the framework to handle complex workflows and transaction-heavy operations, optimizing system efficiency.
• Hands-On Code Quality Management: Personally managed all stages of development, including rigorous code reviews, in-depth testing, and deployment, adhering to best practices and fostering a culture of code excellence. Integrated continuous testing and code coverage assessments, driving optimal software reliability.
• Mentorship and Team Development: Guided junior developers through complex concepts in Java and backend technologies, cultivating an environment of knowledge-sharing and continuous learning. Actively shaped a technically skilled team capable of handling high-stakes project requirements.
• Explored and Integrated Emerging Technologies: Spearheaded research into innovative technologies to enhance the platform's robustness and adaptability. Developed automated CI/CD pipelines, reducing deployment time and enabling rapid feature rollouts.
• Collaborative Leadership: Worked cross-functionally with stakeholders to align technical solutions with business objectives, translating complex requirements into actionable development plans. Demonstrated proactive problem-solving, identifying and mitigating potential scalability challenges to ensure smooth delivery.

• Data as a Service Platform: Developed a robust platform for corporate data assets, leveraging microservices architecture to process and correct data from third-party providers, enabling distribution to both internal and external services. Integrated Apache Ignite nodes for optimized high availability.
• Open Banking Solutions: Led the development of open-banking compliance solutions, implementing OBIE and NextGen specifications with Spring Boot, Keycloak, and OAuth2 for client integration. Supported ongoing client technical needs and debugging.
• Telecom CRM: Enhanced CRM capabilities for a German telecom client, delivering new features, resolving latency issues, and conducting extensive code reviews to optimize the system’s responsiveness.
• Digital Banking Platform: Built event-driven architectures to enable a scalable and maintainable banking experience platform, adhering to BIAN standards to support modular services that are easily deployable.
• Logistics Tracking System: Migrated legacy systems to Java 17 and Spring Boot 3+, setting up automated CI/CD pipelines and deploying on AWS EKS, creating a modernized tracking solution for a logistics client.
• Financial Services Digital Transformation: Led a development team to design and implement critical features for banking systems, collaborating closely with stakeholders to align technical solutions with business requirements. Supported both public-facing and internal banking systems, focusing on security, scalability, and optimization.
• Technology Stack: Java (8-17), Spring Boot, Spring Data, Spring Security, Spring Native, Spring WebFlux, OAuth2, Keycloak, Redis, PostgreSQL, Kafka, Docker, Kubernetes, Jenkins, CI/CD, Liquibase, JUnit5, Mockito, JWT, Apache Ignite, AWS (S3, SQS/SNS, Lambda, Step Functions, Kinesis, EKS), Redis, Redshift, REST API, OpenResty API Gateway, Swagger, Gradle, ElasticSearch, Event-Driven Architecture, Microservices, Agile.

• Leobank Mobile Banking Development: Developed backend functionality for Leobank, enabling smooth Visa card management, payments, transfers, and cashback features to enhance customer experience in mobile banking.
• Core Banking System Redevelopment: Led the redevelopment of Unibank’s core banking system from the ground up, implementing a fully reactive, event-sourcing architecture using Scala, Akka, CQRS, and gRPC.
• Microservices and Scalability: Built scalable, reactive microservices with Akka and the Play Framework, enabling high availability and real-time processing across banking functions.
• Leadership and Optimization: Managed backend architecture, provided detailed code reviews, and supported developers to maintain code quality. Diagnosed, troubleshot, and resolved complex system issues, enhancing performance and reliability.
• Tech Stack: Java 11, Scala, Akka, Spring Boot, Spring Security, Keycloak, Reactive Microservices, CQRS, Event-Sourcing, Oracle SQL/PLSQL, PostgreSQL, Cassandra, gRPC, Docker, Kubernetes, Agile, CI/CD, JUnit, Mockito.

• Core Banking System Transformation: Transitioned the bank's core system from a monolithic to microservices architecture, creating scalable, modular services aligned with evolving business needs.
• Business Process Automation with Camunda BPMN: Designed and implemented BPMN workflows and integrated them into the core Java services, streamlining banking processes.
• Leadership and Code Quality: Acted as an informal team lead, managing junior and mid-level developers, assigning tasks, conducting code reviews, and enforcing best practices for clean, maintainable code.
• Tech Stack: Java 11, Spring Boot, Spring Data JPA, Spring Security, REST API, Kafka, Docker, Kubernetes, ElasticSearch, Logstash, Kibana, Camunda BPMN, PostgreSQL, Oracle, CI/CD, JUnit, Mockito.

• Customer Online Banking Development: Developed and maintained the Customer Online Cabinet, allowing users to manage loans, debit/credit cards, and make payments. Built the application as a monolithic Spring MVC-based system.
• Payment Integration and Automation: Integrated third-party payment processors (Azericard/Millikart) to handle Visa/MasterCard transactions. Automated SMS notifications for customers to improve engagement.
• Deployment and Maintenance: Deployed applications to Linux servers for testing and production, managing connections via SSH.
• Tech Stack: Java 1.8, Spring MVC, Hibernate, Oracle, JSP, HTML/CSS, Linux, Tomcat 8.5.

• Online Payment Platform (Hesab.az): Developed and enhanced Hesab.az, a comprehensive payment system allowing users to manage various payments, including utilities, loans, and mobile bills.
• API and Payment Integration: Implemented unregistered payment APIs and integrated third-party e-commerce processors for seamless customer transactions, enabling payment via Visa/MasterCard.
• System Monitoring and Performance: Designed a robust monitoring system to track system and billing status, sending real-time alerts to prevent service downtime.
• Collaboration and Team Support: Planned and executed project timelines in Scrum, provided mentorship to junior developers, and troubleshot system bugs to ensure high availability.
• Tech Stack: Java 1.8, Spring Boot, Spring Security, Spring Data JPA, REST API, SOAP Services, Git, SVN, Tyk API Gateway, OAuth2.

• Core Payment Gateway Development: Built the pgmain application for managing CRUD operations, serving as the core repository layer. Integrated large merchant payment systems, enabling third-party processing with functionalities like check, pay, reverse, and status verification.
• Billing System and Data Modeling: Developed a Java Threads-based billing system and created data models in MySQL to support efficient payment operations.
• Problem Resolution and Customer Support: Addressed payment issues based on customer feedback, analyzed logs, and implemented fixes for seamless payment processing.
• Tech Stack: Java 1.8, Spring, Spring Security, Spring MVC, MySQL, Java Threads, REST API, SOAP Services, Java Reflection API, Swagger.

• 4LivingFond Statistical Reporting System: Developed the 4LivingFond application for generating statistical reports, used by regional companies to submit data to state committees.
• End-to-End Application Development: Built the application from scratch as an MVC monolithic structure, implementing login functionality and report generation in PDF, DOC, and HTML formats.
• Tech Stack: Java 1.8, Servlet, JSP, JSTL, Apache Tomcat, MySQL, HTML/CSS, JavaScript/jQuery, iText.