Vidhi Jain profile photo 1 on Tal

Vidhi Jain

Software Engineer @ ACI Worldwide | Ex-IBM | Payments & Fintech | Java | Spring Boot | Microservices | Artificial Intelligence

Bengaluru

9+ years of work experience

ACI Worldwide
Sep 20242 yrs 2 mosPresent

Bengaluru

• Developed Java & Spring Boot microservices within ACI’s Instant Payment Framework (IPF) supporting high-value banking transactions. • Designed ISO 20022 payment flows (pacs.008 credit transfers, camt.056 / camt.029 cancellations). • Built scheme-agnostic payment routing logic enabling interoperability with networks such as SWIFT , CHIPS, and FED. • Implemented adapter integrations connecting IPF with legacy Money Transfer Systems (MTS) for payment settlement. • Developed high-volume transaction validation, routing, and persistence logic for scalable financial processing systems. • Built backend APIs and message transformation pipelines for the payment processing platform using Java and Spring Boot. • Improved observability and transaction traceability through centralized logging and database-based lifecycle tracking. • Collaborated with cross-functional teams to deliver payment modernization features for ISO 20022 migration initiatives.
GeeksforGeeks
Jul 20251 yr 3 mosSep 2026

leap.club
Jun 20232 yrsMay 2025

Remote

• Community Building: Founded and scaled a women-only housing circle on Leap.club, growing it to 150+ members and facilitating brokerage-free flat hunting. • Successfully transitioned into an active WhatsApp community that continues to engage beyond the initial purpose. • Impact Focus: Created a safe, supportive community of 150+ women for housing needs, saving members brokerage costs and enabling ongoing peer-to-peer networking.WhatsApp group: https://chat.whatsapp.com/LqGiPDyb6PW3is7JFwGxcG
IBM
Oct 20221 yr 11 mosAug 2024

Bengaluru

• Developed Java Spring Boot backend services and REST APIs for enterprise applications. • Designed microservices supporting core business workflows and JSON-based integrations. • Built scalable RESTful APIs used across multiple enterprise client systems. • Implemented CI/CD pipelines using Git, Maven, and Jenkins for automated builds and deployments. • Improved application stability through debugging, performance optimization, and code reviews. • Authored technical design documents translating business requirements into backend architectures. • Mentored junior developers and supported onboarding on coding standards and best practices.
IBM
Feb 20229 mosOct 2022

Bengaluru, Karnataka, India

Self-Employed
Jan 20176 yrs 10 mosOct 2023

Kolkata, West Bengal, India

GitHub
@vidhi1214

Vidhi’s AI Stack

claude code
claude code
deepseek
deepseek
gemini
gemini
github copilot
github copilot
openai
openai
opencode
opencode

Education

Supreme Knowledge Foundation

B.Tech, Computer Science & Engineering

Supreme Knowledge Foundation

20174 yrs2021

Join Vidhi and 10k+ other professionals on

Tal Boss

Tal is the app where bosses meet engineers & builders directly, without middlemen

Download Tal Boss

Vidhi Jain on Tal

Headline

Software Engineer @ ACI Worldwide | Ex-IBM | Payments & Fintech | Java | Spring Boot | Microservices | Artificial Intelligence

About

I’m a Software Engineer at ACI Worldwide (previously at IBM) working on real-time payment systems used by banks and financial institutions across multiple countries. My work focuses on building high-availability, low-latency systems that process large volumes of financial transactions while meeting strict requirements around reliability, consistency, and compliance. At ACI, I work on the Instant Payment Framework (IPF), contributing to payment processing infrastructure and ISO 20022 messaging flows used for high-value banking transactions. My work includes designing Java and Spring Boot microservices, building transaction workflows and REST APIs, and ensuring systems scale reliably under peak load. Previously at IBM, I developed enterprise backend systems and microservices, implemented CI/CD pipelines, and contributed to production-grade applications used by large clients. I primarily work with Java, Spring Boot, and microservices, focusing on distributed systems, real-time payment processing, API design, and system reliability. Alongside my professional work, I’ve mentored 300+ students over 5+ years in programming and software engineering, helping them transition into real-world development roles.

Location

Bengaluru

AI stack

claude code

deepseek

gemini

github copilot

openai

opencode

Work experience

Software Engineer at ACI Worldwide, Sep 2024 - Present · 2 yrs 2 mos, Bengaluru, • Developed Java & Spring Boot microservices within ACI’s Instant Payment Framework (IPF) supporting high-value banking transactions. • Designed ISO 20022 payment flows (pacs.008 credit transfers, camt.056 / camt.029 cancellations). • Built scheme-agnostic payment routing logic enabling interoperability with networks such as SWIFT , CHIPS, and FED. • Implemented adapter integrations connecting IPF with legacy Money Transfer Systems (MTS) for payment settlement. • Developed high-volume transaction validation, routing, and persistence logic for scalable financial processing systems. • Built backend APIs and message transformation pipelines for the payment processing platform using Java and Spring Boot. • Improved observability and transaction traceability through centralized logging and database-based lifecycle tracking. • Collaborated with cross-functional teams to deliver payment modernization features for ISO 20022 migration initiatives.

Mentor at GeeksforGeeks, Jul 2025 - Sep 2026 · 1 yr 3 mos

Member at leap.club, Jun 2023 - May 2025 · 2 yrs, Remote, • Community Building: Founded and scaled a women-only housing circle on Leap.club, growing it to 150+ members and facilitating brokerage-free flat hunting. • Successfully transitioned into an active WhatsApp community that continues to engage beyond the initial purpose. • Impact Focus: Created a safe, supportive community of 150+ women for housing needs, saving members brokerage costs and enabling ongoing peer-to-peer networking.WhatsApp group: https://chat.whatsapp.com/LqGiPDyb6PW3is7JFwGxcG

Application Developer at IBM, Oct 2022 - Aug 2024 · 1 yr 11 mos, Bengaluru, • Developed Java Spring Boot backend services and REST APIs for enterprise applications. • Designed microservices supporting core business workflows and JSON-based integrations. • Built scalable RESTful APIs used across multiple enterprise client systems. • Implemented CI/CD pipelines using Git, Maven, and Jenkins for automated builds and deployments. • Improved application stability through debugging, performance optimization, and code reviews. • Authored technical design documents translating business requirements into backend architectures. • Mentored junior developers and supported onboarding on coding standards and best practices.

Associate Systems Engineer at IBM, Feb 2022 - Oct 2022 · 9 mos, Bengaluru, Karnataka, India

Computer Science Tutor at Self-Employed, Jan 2017 - Oct 2023 · 6 yrs 10 mos, Kolkata, West Bengal, India

Education

B.Tech, Computer Science & Engineering, Supreme Knowledge Foundation

Public links

github: https://github.com/vidhi1214