Marcelo Riveros

Built the backend services powering BCI's card renewal platform — detecting expiring debit and credit cards, scheduling renewals, managing delivery preferences, and feeding a logistics pipeline for card production.

Expected to process 90,000 cards monthly once in production.

Designed and built a two-layer Server-Driven UI framework — a component library for composing type-safe UI responses and a BFF SDK for serving them with header-based protocol versioning — eliminating mobile release cycles for UI changes.

Reduced SDK feature time-to-market by 1+ month. Won MACHBANK's EPIC Project Award.

Designed and built a fully automated daily compensation system for MACHBANK's Bip QR recharge product — a multi-step financial flow that calculates, moves, and settles funds to an external provider every business day using event-driven handlers, a state machine, and time-scheduled AWS cronjobs.

Zero-touch daily settlement of all Bip QR recharge payments to the provider, with full audit trail, dual-amount reconciliation, and Slack observability at every step.

Built a CLI tool to automate repetitive engineering workflows — release management, AWS inspection, environment setup. Published internally and adopted by the wider backend team, who expanded it with their own commands.

Adopted company-wide. Grew to v1.9.0 with 7 command groups contributed by multiple engineers.

Redesigned MACHBANK's SDK authentication layer from a stateful, MongoDB-backed OAuth flow to a stateless JWT architecture — eliminating database lookups and a microservice network hop on every request, cutting endpoint latency from 2 seconds to under 100ms.

20x latency reduction: 2000ms → <100ms on critical SDK authentication endpoints.

Built a lightweight observability layer over every external provider integration at MACHBANK — wrapping HTTP calls with structured New Relic custom events to enable real-time dashboards, status code breakdowns, and latency tracking per provider and endpoint.

Full visibility into Transbank and Spreedly health with zero changes to business logic — from blind spots to per-endpoint dashboards and alerting in a single wrapper function.

Designed and built MACHBANK's QR payment platform from scratch — a three-service architecture spanning consumer and business payment flows, multiple acquirers, and a formally-modeled transaction state machine — scaling to one of Chile's most-used mobile payment methods.

15x DAU growth: 20K → 300K daily active users. Average transaction time: 10 seconds.

Led a team of 4 to design and ship a virtual queue system for one of Chile's largest retail chains, handling 5,000 daily users at peak.

5,000 daily users in production at a major Chilean retail chain.