---
title: "Vidhi Jain - Software Engineer in Bengaluru | Tal"
description: "Meet Vidhi Jain, Software Engineer @ ACI Worldwide | Ex-IBM | Payments & Fintech | Java | Spring Boot | Microservices | Artificial Intelligence based in Bengaluru. AI stack includes claude code, deepseek, and gemini. Explore public work links including github."
image: "https://tal.club/meet/vidhi-jain-7/share-image"
---

# 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

[View the original profile](https://tal.club/meet/vidhi-jain-7)

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