Building scalable fintech, AI, and cloud infrastructure for global products

Kenneth Otoro

Senior Software Engineer & AI Systems Architect

Backend engineering • platform architecture • AI systems • fintech infrastructure • cloud-native product delivery

I design and build scalable backend systems, AI-powered applications, fintech infrastructure, and secure cloud platforms powering enterprise products used by thousands across payments, mobility, banking, and intelligent automation.

9+Years Experience
20+Products Delivered
FinTechPayments & Banking Systems
BankingPayments Systems
MobilityIn-House CRM
AILLMs • Automation • Agents • Orchestration

Core Expertise

• AI Systems Engineering

• AI Engine Orchestration

• Backend Engineering & APIs

• Distributed Systems

• System Design & Architecture

• DevSecOps & Infrastructure Automation

• Cloud Architecture

• Performance Optimization

About

I build reliable, scalable software systems with a focus on backend architecture, AI integration, cloud infrastructure, and performance engineering. My work combines engineering depth with product thinking—turning complex ideas into fast, secure, production-ready systems used by teams and customers globally.

Professional Experience

GS

Gemspay Solutions Limited

Senior Software Engineer (Lead) • Lagos, Nigeria • 2022–2026

Led backend architecture for enterprise payment systems, virtual account infrastructure, wallet orchestration, SDK platforms, and transaction processing solutions with high availability and scalability.

GG

GIGM

Senior Full Stack Engineer / DevOps Lead • Lagos, Nigeria • 2022

Designed mobility infrastructure, booking systems, DevOps workflows, and operational automation supporting nationwide transport operations.

FB

First Bank of Nigeria

Software Engineer (Consultant) • 2021–2022

Contributed to enterprise banking software across digital banking and internal platform modernization initiatives. Built secure APIs, authentication workflows, and scalable services supporting customer onboarding, transaction processing, and operational efficiency across banking channels.

Worked across cross-functional engineering teams delivering reliable financial systems with strong focus on performance, security, and maintainability.

TP

Trowpass

Chief Technology Officer (CTO) • Remote • 2020–2023

Led engineering strategy, product architecture, and technology execution from concept to production. Oversaw backend systems, product development, infrastructure planning, and delivery of scalable digital solutions across distributed teams.

Defined technical roadmap, architecture standards, hiring direction, and engineering execution while aligning product growth with business goals.

SP

SDSD Prestige Limited

Software Developer • Ogun State • 2019–2021

Built internal business applications, process automation tools, and operational software used across multiple business units. Delivered backend integrations, reporting systems, and custom applications that improved workflow efficiency and reduced manual operations.

LD

LokDon, LLC

Desktop Application Developer • Remote • 2019–2021

Developed secure desktop applications focused on protected communication, encryption, and secure document exchange. Built maintainable Windows-based software with emphasis on usability, data protection, and performance.

AP

Aptech Computer Education

Head Faculty & Software Engineer • Asaba • 2017–2018

Led software training delivery while mentoring aspiring developers in programming, software engineering, databases, and web development. Combined classroom leadership with practical software development, curriculum delivery, and technical project supervision.

Helped train and mentor students who transitioned into professional engineering roles across the industry.

Enterprise Projects & Case Studies

KollectKollect

Centralized payment infrastructure platform enabling collections and payments across multiple digital channels with up to 98% faster processing.

Oktopus

Bulk disbursement engine for payroll, vendor settlements, and mass payouts with automated reconciliation and multi-account transfers.

Wallet Engine

Backend-as-a-service engine powering automated virtual account generation and secure transaction mapping at scale.

Retail & OAuth2 System

Mobile-first payment and transaction platform with JWT authentication, RBAC authorization, and secure financial workflows.

Virtual Account Engine

Self-automated virtual account management platform streamlining transaction processing and reconciliation for partner organizations.

Mobility Booking App

Digital transportation booking platform enabling real-time bus reservations and seamless nationwide mobility services.

Wallet Service

Unified payment wallet supporting online and offline transactions with secure payment orchestration and multi-channel support.

In-House CRM

Operational management system for bookings, fleet operations, analytics, and employee financial workflows.

Single Sign-On (SSO)

Microservice authentication solution enabling unified secure access across enterprise banking platforms and services.

Subsidiary Card Enroller Solution

Corporate card management and enrollment platform improving onboarding efficiency, security, and spending control.

Subsidiary Agent Banking

Scalable digital banking infrastructure enabling remote banking operations, onboarding, deposits, and withdrawals.

E-Vault

Secure desktop encryption platform enabling protected communication and secure exchange of sensitive information.

Maritime Access Management System (MAMS)

Cloud-based maritime fleet management platform covering maintenance, procurement, accounting, compliance, and crew operations.

E-Commerce QA Platform

Comprehensive quality assurance and automated testing operations for enterprise e-commerce systems and workflows.

Seamless Mobility App

Integrated travel and mobility ecosystem supporting ride-hailing, ticketing, transport coordination, and real-time commuting.

Selected Achievements

20+ Products Delivered

Designed and shipped enterprise-grade products across fintech, banking, mobility, AI systems, and secure infrastructure.

Engineering Leadership

Led architecture, mentoring, DevOps, platform engineering, and cross-functional technical execution across multiple teams.

Industry Experience

FinTech • Banking • Mobility • Enterprise SaaS • AI & Automation • Security Software • Maritime Operations.

SDKs & Developer Tools

A collection of reusable SDKs, integrations, and developer tooling built to accelerate engineering teams, simplify integrations, and improve delivery across fintech, payments, and platform infrastructure.

Payment Gateway SDK

Developer-first SDK for integrating payment collections, transfers, transaction verification, and wallet operations across multiple applications and merchant platforms.

Virtual Account API Toolkit

Reusable SDK components for automated virtual account creation, transaction mapping, webhook handling, and reconciliation workflows.

Authentication & SSO SDK

JWT, OAuth2, RBAC, and secure identity components designed for enterprise authentication, internal platforms, and distributed services.

AI Integration Toolkit

Production-ready tooling for LLM integration, prompt orchestration, workflow automation, and AI-powered backend operations.

Internal Developer Utilities

Reusable libraries, helper packages, deployment scripts, monitoring utilities, and shared engineering components used across multiple enterprise systems.

API Infrastructure Components

Scalable API foundations including request pipelines, background processing, service communication patterns, logging, and observability tooling.

Engineering Contributions

Reusable SDK Libraries

Designed reusable SDKs and shared engineering packages for internal teams and enterprise integrations.

Authentication Frameworks

Built reusable authentication, authorization, and identity management components for distributed applications.

Developer Productivity Tooling

Created deployment scripts, monitoring utilities, automation tooling, and engineering workflow accelerators.

Architecture & Systems Design

Payment Orchestration Systems

Designed scalable financial transaction systems handling collections, transfers, reconciliation, and settlement workflows.

AI Workflow Infrastructure

Built intelligent automation systems integrating LLMs, workflow orchestration, and backend AI operations.

Distributed Backend Systems

Architected scalable APIs, microservices, authentication systems, and enterprise-grade backend platforms.

Identity & Access Management

Designed OAuth2, JWT, RBAC, SSO, and secure enterprise authentication architectures.

Cloud & DevOps Infrastructure

Implemented CI/CD pipelines, infrastructure automation, monitoring, deployment workflows, and cloud-native operations.

Enterprise Integration Platforms

Integrated payment gateways, banking systems, third-party APIs, and operational services into unified enterprise platforms.

Training & Certifications

Generative AI Mastermind

Outskill Program • 2025

Fundamentals of Cybersecurity Automation

KOENIG | Step Forward • 2024

The Pillars of Cybersecurity in the Modern World

KOENIG | Step Forward • 2024

Comprehensive Risk Management with ISO 22301

KOENIG | Step Forward • 2024

Introduction to Kali Linux Basics

Simplilearn SkillUp • 2024

Introduction to Ethical Hacking

Simplilearn SkillUp • 2024

Introduction to Cyber Security

Simplilearn SkillUp • 2024

Introduction to AI

University of Helsinki & MinnaLearn • 2024

Soft Skills Training

Jobberman • 2020

Building Web App with ASP.NET Core MVC & EF

Udemy • 2017

Complete Bootstrap 4 Course

Udemy • 2019

Xamarin Forms for Android & iOS Development

Udemy • 2019

Dependency Injection for C#

Udemy • 2019

Superb jQuery Course

Udemy • 2019

ASP.NET MVC Core Course

Udemy • 2019

Build Complete jQuery Plugin Course

Udemy • 2019

CRUD C#.NET with EF Course

Udemy • 2019

Basics of LINQ with C#

Udemy • 2019

Complete ASP.NET MVC5 Course

Udemy • 2019

Basics of OOP with C#

Udemy • 2019

C# Programming Course

Udemy • 2019

Bootstrap, HTML & CSS Course

Udemy • 2019

jQuery Course

SoloLearn • 2019

SQL Course

SoloLearn • 2017

CSS Complete Course

SoloLearn • 2017

HTML5 Complete Course

SoloLearn • 2017

JavaScript Course

SoloLearn • 2018

Education

B.Sc. Computer Science — Delta State University, Abraka, Nigeria

Technical Skills

Backend Engineering

C#, .NET Framework, .NET 9, ASP.NET Core, Minimal APIs, REST APIs, LINQ, Entity Framework Core, Dapper, Microservices, Distributed Systems

AI Engineering & Automation

AI Systems, Intelligent Agents, Gemini API Integration, Prompt Engineering, Workflow Automation, Power Automate, API Orchestration, Power BI

Cloud & DevOps

Azure, Azure DevOps, AWS, GitHub, GitLab, Docker, Kubernetes, CI/CD Pipelines, Monitoring, Continuous Delivery

Security & Application Security

OWASP, Secure Coding Practices, JWT Authentication, OAuth2, RBAC, Threat Modeling, Secure Application Architecture

Databases

SQL Server, PostgreSQL, MySQL, MongoDB, Azure Cosmos DB, Query Optimization, Indexing, Performance Tuning

Frontend, Mobile & Desktop

Blazor, Microsoft MVC, React, JavaScript, HTML, CSS, Tailwind CSS, Bootstrap, jQuery, Flutter, Xamarin, WinForms, WPF

Technologies & Platforms

.NET
ASP.NET Core
Azure
AWS
Heroku
Docker
Kubernetes
SQL Server
PostgreSQL
MongoDB
Azure Cosmos DB
React
Flutter
Power BI
GitHub Actions
AI - Agentic AI

Professional Recommendations

“Kenneth consistently delivers scalable backend systems with strong architectural thinking and engineering leadership.”

— Engineering Leadership

“A highly dependable engineer with deep expertise across payments, infrastructure, and enterprise systems.”

— Product & Technology Stakeholders

“Exceptional at solving complex engineering problems while maintaining scalability, reliability, and security.”

— Technical Teams & Collaborators

Let’s Build Something Exceptional Together

Open to senior engineering, backend architecture, AI systems, fintech infrastructure, and global consulting opportunities across remote or international teams.

Available for full-time leadership roles, contract engineering engagements, architecture consulting, and enterprise platform development.

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