Backend engineer · Banking & payment systems

I work where the money actually moves.

Backend engineer on a production mobile banking platform — card processing, core banking integration, and the transaction flows underneath. Most of my work is getting systems that were never designed to talk to each other to agree on what happened.

POST /payments/authorize trace
channelapi gateway 11 ms OK
identitykeycloak · oidc 34 ms OK
switchcard processing 218 ms OK
core bankingaccount ledger TIMEOUT
client500 returned to client 263 ms END

The exception was thrown at the channel. The failure was three systems away. Knowing the difference is the job.

Selected work

What I've put into production.

Delivered inside the digital factory of a Moroccan retail bank. Internal design and incident specifics stay confidential — this is what I can describe.

Securities

Online securities account opening

Designed and shipped the end-to-end journey for opening securities accounts, PEA and mutual fund accounts, integrated with Casablanca Stock Exchange infrastructure through a third-party platform. A regulated flow, an external counterparty, real customers.

Spring WebFlux · R2DBC · third-party integration
Payments

Card processing & core banking integration

Payment flows between the mobile channel, the card processing system (HPS PowerCARD) and core banking: authorisation, customer operations, and reconciling what the customer sees with what the ledger says.

HPS PowerCARD · core banking · IBM MQ · Feign
Security

Fraud incident investigation & remediation

Investigated a fraud pattern affecting a live banking channel and delivered the remediation, working with the security and business teams. The specifics of that incident are not public and will stay that way.

log analysis · transaction flows · hardening
Other

Additional features & business flows

Also contributed to authentication flows, banking operations, notifications, service integrations, system supervision, and reliability across distributed business flows.

authentication · banking operations · integrations · observability · reliability
What I take on

Where I'm most useful.

Third-party & legacy integration

Connecting a modern service to a system that doesn't want to cooperate: payment switches, core banking, regulated platforms, under-documented APIs.

Reactive backend services

Spring Boot and WebFlux microservices built to hold under load, with non-blocking I/O and asynchronous messaging.

Production forensics

Following a transaction across systems to establish where it actually stopped — not just where the stack trace got written.

Authentication & access

Banking identity journeys on Keycloak and OAuth2 / OIDC: enrolment, credential recovery, hardening.

Stack

What I work with daily.

Language
Java 17+ · Spring Boot · Spring WebFlux · Project Reactor
Data
Relational databases (reactive R2DBC, JDBC) · Redis
Integration
REST APIs · Feign · IBM MQ · microservice architecture
Banking
HPS PowerCARD · core banking · CMI · Fatourati
Security
Keycloak · OAuth2 / OIDC
Contact

Have a payment system to integrate, or a flow breaking in production?

Yassine Boufnichel
Yassine Boufnichel
Backend engineer · Casablanca
yassineboufnichel36@gmail.com
Phone
+212 642 17 49 52
Based in
Casablanca, Morocco · CET
Linkedin
Yassine Boufnichel