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FinTech & Banking Tier-1 Bank • €180M+ Daily Throughput • ⏱

High-Throughput SEPA Payment Gateway & Clearing Engine Modernization

Lead Architect: Samuel Mofrad • Lead Solutions Architect

Executive Architecture Summary

Led architecture modernization for a Tier-1 German banking group, transitioning legacy batch clearing jobs to real-time ISO 20022 message processing.

• Core Architectural Implementation & Deliverables:

  • Designed an idempotent event-sourcing transactional ledger with event replay capabilities using Kafka and PostgreSQL.
  • Engineered resilient circuit breakers and rate limiters compliant with BaFin audit standards and PSD2 regulation.
  • Achieved 99.999% availability during peak transaction clearing windows (over €180M processed daily).
  • Cut transaction latency from batch windows down to sub-800ms real-time settlement.

Technology Stack & Protocols:

Java EE Microservices ISO 20022 PostgreSQL Kafka

Need similar architectural transformation for your enterprise?

Consult with Samuel Mofrad on legacy decoupling, high-throughput microservices, or custom MCP servers.

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