Malik Atique

Malik Atique

Solutions Architect | FinTech & Islamic Finance Systems | AI-Native Platforms | Payments & Core Banking
Islamabad, PK.

ABOUT

Solutions Architect with 6+ years designing enterprise-grade systems in FinTech and payments. Proven track record of defining architectural vision across acquiring, issuing, digital wallets, and core banking — from greenfield design to production at scale. Deep experience with cloud-native microservices, API-first integrations, and AI/LLM-powered platforms. Skilled at translating complex business requirements — including ethical finance and Sharia-compliant product constraints — into robust, scalable technical designs. Mentored and guided 30+ person cross-functional engineering teams. Pursuing MS in Project Management (GPA 3.9).

CORE COMPETENCIES

FinTech & Payments

PCI DSS Level‑1, Card Issuing & Acquiring, Digital Wallets, AML/KYC, ISO 8583, Rules Engine, Core Banking.

Languages & Frameworks

Python / FastAPI, Python / Django, Java / Spring Boot, Node.js / NestJS and ExpressJS, TypeScript, PHP / Laravel, Apache Kafka, QA / Playwright.

AI & Integration

LLM Integration, RAG, LangChain, AI Models Integration (API-based and self-hosted), pgvector.

Leadership & Management

Technical Project Management, Team Leadership (30+), Solutions Architecture, Technical Roadmapping, Stakeholder Management, Agile/SCRUM.

Cloud & Infrastructure

AWS (Textract, KMS, multi-region, S3, ECR, EC2), Kubernetes, Docker, CI/CD, Railway.

Architecture & Design

Microservices, Event-Driven Architecture, API Design, High-Availability Systems, System Design.

PROFESSIONAL EXPERIENCE

Numeriv
|

Founder

Islamabad, Pakistan

Self-Employed

Summary

Built an AI-powered financial analytics platform from the ground up as a solo founder. Numeriv parses PDF/CSV bank statements, uses AI to categorise transactions and resolve cryptic merchant names, and provides a RAG-powered financial advisor grounded in real user data. Full-stack architecture spanning FastAPI (async Python), React 18, PostgreSQL with pgvector, and multi-LLM integration (OpenAI, Anthropic, LangChain). Multi-tenant, fully async, with AES-256 encryption and background job orchestration.

Highlights

Architected a multi-tenant, cloud-native fintech platform from scratch — defining all system boundaries, data models, async processing pipelines, and LLM integration patterns.

Designed a RAG-based AI advisory layer using pgvector and LangChain, grounded entirely in user-specific transaction data to eliminate hallucinations.

Designed 10+ decoupled microservices with event-driven communication, async task orchestration, and AES-256 data encryption — built for horizontal scale.

Architected multi-currency, multi-bank data ingestion with a normalisation pipeline supporting heterogeneous statement formats across global banks.

VaultsPay
|

Lead Software Engineer & Solutions Architect

Dubai, UAE

Summary

Led engineering and project delivery for a regulated payments platform. Owned the full technical lifecycle from architecture and roadmap to sprint execution and cross-functional coordination across acquiring, issuing, digital wallets, core banking, and rules engine domains. Drove architectural strategy and technical delivery across a ~30-person team while leading PCI DSS Level-1 compliance and a microservices migration.

Highlights

Architected end-to-end acquiring and issuing systems involving customer onboarding, core banking, card ISO0-8583 processing, settlement & clearing logic.

Built digital wallet infrastructure: balance management, P2P transfers, top-up flows, and ledger reconciliation integrated with core banking.

Engineered a configurable rules engine for transaction routing, fraud detection, fee computation, and compliance checks with no-code deployment for business teams.

Conducted architectural reviews across acquiring, issuing, and wallet domains — establishing design standards, evaluating technology trade-offs, and mentoring engineers on architecture best practices.

Provided architectural guidance and technical mentorship to junior engineers and cross-functional team members, establishing design patterns adopted platform-wide.

Led risk assessment and mitigation planning across platform migrations, PCI DSS L1 compliance programs, and third-party integration initiatives.

SELECTED PROJECTS & IMPACT

Numeriv - AI-Powered Financial Intelligence

Startup

Summary

Upload your statements. Get instant clarity on spending, smart budgets, and an AI advisor that actually knows your finances — in under 10 minutes.

VaultsPay FinTech (SaaS) — Software Architect
VaultsPay FinTech (SaaS) — Software Architect

Summary

Designed and delivered a Payment Card Services (PCS) SaaS platform. Led system architecture, Spring Boot microservices design, integrations, and documentation.

VaultsPay Acquiring Platform — Software Engineer / Architect

Summary

Built merchant payment services initially on Laravel, later migrated to Spring Boot microservices. Positioned VaultsPay as a Tier‑1 PCI‑DSS compliant provider in the MENA region.

Burency — Cryptocurrency Exchange

Summary

Developed Node.js microservices for real‑time crypto trading. Optimised market data streaming using Redis caching, reducing latency by 60%.

Chrome Advisory — Venture Capital Platform

Summary

Built the banking engine for investment subscriptions and periodic financial calculations.

Aikito — Financial Statement OCR

Freelance

Summary

Designed OCR pipelines using AWS Textract to standardise financial statements. Enabled BI‑driven lending decisions through structured data extraction.

CERTIFICATIONS

Google Project Management: Professional Certificate

Issued By

Google

Yale: The Science of Well-Being Certificate

Issued By

Yale

EDUCATION

Bahria University Islamabad, PK

MS

Project Management

Grade: 3.9

University Institute of Information and Technology
Islamabad, Pakistan

BS

Computer Science

Grade: 3.49

AWARDS

1st Position -- Case Study Fest 2025 at Bahria

Awarded By

Bahria University

Interests

Social Sciences
Quantum Physics
Creative Writing
History