About
my-photo

Solution Architect and Tech Lead with 6+ years of experience building high-load fintech systems. I specialize in payment solutions, banking integrations, and microservices architecture. Under my leadership, the first Visa Direct phone-number-based transfer service in Uzbekistan was launched, awarded by Visa International. I've delivered mission-critical projects for banks across Central Asia, including tokenization systems (Visa Token Service, MDES), B2B SEPA transfers, and KYC/AML integrations. I take full ownership of projects — from architecture design to production deployment.

  • Age: 24
  • Residence: Uzb
  • Freelance: Available
  • Address: Uzbekistan, Tashkent
  • Phone:+998 97 703 40 24
  • E-mail:kstionov@gmail.com
Services
Fintech Solutions
End-to-end development of payment systems, banking integrations, and financial platforms. Expertise in Visa Direct, card tokenization (VTS, MDES), SEPA transfers, and PCI DSS compliance. Proven track record with banks across Central Asia.
Java Backend
High-load microservices with Java 21 and Spring Boot.
System Integration
Seamless integration with payment processors, KYC/AML providers (Sumsub), fraud detection systems (TMX), and banking cores. API design, partner coordination, and technical documentation.
Technical Consulting
Architecture review, technology stack selection, and project planning for IT companies. Business analysis, requirements gathering, and technical leadership for development teams.
Experience
2024 - Present
NDA
Solely designed and deployed a B2B SEPA transfer service with KYC/AML (Sumsub, TMX). Delivered full MVP in 3 months. Java 21, Spring Boot, ActiveMQ, Kubernetes.
2023 - 2024
Lead Developer — OCTO LLC (Visa Direct & Tokenization)
Integrated Visa Token Service and MDES with Thales. First in Uzbekistan to enable Tap to Pay and Garmin Pay. Led partner bank integrations.
2022 - 2023
Team Lead — OCTO LLC (Oriyon Bank, Tajikistan)
Led a team of 5 developers building mobile banking app. Implemented KYC, card issuance, P2P and cross-border transfers.
2019 - 2022
Java Developer — OCTO LLC
Built Visa Direct transfers for Ravnaq Bank (awarded 'Best Alias Implementation' by Visa). Developed e-commerce payment solutions.
Education
2017 - 2019
Mirzo-Ulugbek Professional College of Information Technologies
Computer engineering
2018 - 2019
JavaRush
Studying the Java development course Java Rush.
2019 - 2020
Netology Course - Java developer
Coursework - Git, Spring Boot, K8S, Java 17, Java Core, JWT, and Collections.
2021 - 2023
Baeldung
Spring Security, OAuth2, Rest
2022 - 2023
Visa University
Visa Risk Manager
2022 - 2023
Visa University
Best Practice: Diving into Visa Billing Statements (all regions except Europe)
2022 - 2023
Visa University
Edit Package Fundamentals
Skills
  • Web Design
    90%
  • Design API
    80%
  • Java
    95%
  • Graphic Design
    55%
Languages Skills
  • English
    90%
  • Russian
    100%
  • Uzbek
    55%
Additional Information

Experience with P2P, B2C e-commerce • Experience working with Agile methodologies. • Ability to provide technical leadership to two scrum teams • Payment processing background • Expertise with the Java 8 platform or higher • Expertise with Spring, and Apache frameworks • Experience in building Microservices, specifically with HTTP, REST, JSON • Experience in UI based technologies like HTML5, CSS3, JS, JQuery • Expertise with Spring JPA and Hibernate frameworks • Proficient in version control tools like GIT, build automation tools such as Maven and Jenkins, or similar. • Proficient in API Development using SOAP or REST, JSON, and XML. • A deep understanding of end-to-end software development in a team, and a track record of shipping software on time • Solid experience in frameworks like Spring Boot, Sprint MVC, JPA, Hibernate. • Strong technical and business vision • Good understanding of Object-Oriented Concepts, Service Oriented Architectures, Distributed Systems Design Concepts and Computer Science fundamentals • Expertise in algorithms • Understanding of Linux System • Encryption Security Technology like SSL and IPSEC • Experienced navigating and managing application and file operation in Linux environment * Payment card security expert with PCI DSS proficiency. Successfully implemented PCI DSS compliance projects, with experience in security audits, risk assessment, and security management.

Certificates & Badges
Professional Credential BadgeProfessional Credential BadgeProfessional Credential BadgeProfessional Credential BadgeProfessional Credential Badge
Coding Skills
  • Java - SpringBoot
    95%
    95%
  • PostgreSQL
    75%
    75%
  • Linux
    70%
    70%
  • HTML / CSS
    95%
    95%