Vincent Chow

Engineering Leader — Digital Transformation & Platform Modernization in Regulated Fintech

+60 16-567 9363 vincentchow96@gmail.com Kuala Lumpur, Malaysia linkedin.com/in/vincentchow96 github.com/VinceChow

Engineering leader with 8+ years building and modernizing secure, mission-critical platforms across payments, loyalty, identity, and digital assets. Specializes in digital transformation — migrating legacy on-premise systems to cloud-native, compliant, and horizontally scalable architectures — and in leading the engineering teams and enterprise stakeholders that make transformation land. Delivered national-scale loyalty and payment infrastructure serving 2M+ users in close partnership with Petronas Dagangan Berhad and major Malaysian banks; a regulated digital asset custody platform approved by the Securities Commission Malaysia delivered in 3 months; and platform-level architecture spanning multi-cluster Kubernetes, service mesh, and Infrastructure as Code. Operates equally across deep system architecture (HSM cryptography, ISO 8583, event-driven microservices, clean architecture) and the strategic conversations with regulators, auditors, banking partners, and C-level stakeholders that determine whether transformation succeeds.

Engineering Leadership Digital Transformation Platform Modernization Cloud-Native Architecture (AWS & Kubernetes) Regulated Systems — PCI-DSS & VAPT Payment Systems & HSM Integration Enterprise Stakeholder Management Team Building & Mentorship Event-Driven & Microservices Architecture Infrastructure as Code (Terraform) 0→1 Product & Platform Delivery Regulatory & Compliance Frameworks

MoneyLion

Oct 2025 – Present

Lead Engineer  ·  Kuala Lumpur, Malaysia

  • Leading modernization of the membership platform — re-architecting a legacy system into a scalable, observable, event-driven design using Temporal workflow orchestration and a transaction-outbox pattern, making billing flows reliable and fully traceable for the first time.
  • Resolved a critical membership-fee under-collection problem rooted in years of legacy system debt and poor observability, directly restoring revenue integrity across the platform.
  • Driving adoption of event-driven architecture, delivering the business its first end-to-end visibility into membership and billing lifecycle.

GamBit Group

Jan 2024 – Mar 2025

Principal Engineer & Interim Head of Engineering  ·  Petaling Jaya, Malaysia

  • Led the engineering team to deliver a secure digital asset custodian platform from scratch in 3 months, achieving full regulatory approval from the Securities Commission Malaysia through stringent security controls and a successful VAPT.
  • Architected a microservices platform on Kubernetes with Terraform Infrastructure as Code, reducing provisioning time and improving scalability to absorb growing Web3 transaction volumes.
  • Introduced Agile delivery methodology and CI/CD pipelines, eliminating deployment errors and shortening release cycles across the engineering team.

CodeShoutout  (concurrent founder venture)

May 2023 – Dec 2024

Co-Founder & Chief Technology Officer

  • Led end-to-end business development from zero — prospecting, pitching, and closing early-adopter tech companies as paying customers for a developer-productivity SaaS platform focused on engineering DORA metrics and developer productivity.
  • Conducted discovery calls and product demos with CTOs, VPs of Engineering, and Heads of Platform at technology companies, translating technical product capabilities into ROI-led business cases tailored to each client's engineering maturity.
  • Delivered quarterly engineering productivity reviews to client CTO/VP Engineering stakeholders, presenting DORA trend data (Deployment Frequency, Lead Time for Changes, Change Failure Rate, MTTR) alongside concrete process and tooling recommendations.
  • Prepared and delivered investor pitch decks and product demos to venture and angel investors, articulating the market opportunity in engineering productivity and DORA-metric-driven developer tooling.

Setel  (Petronas Dagangan Berhad — Digital Arm)

May 2022 – Jan 2024

Staff Engineer  ·  Kuala Lumpur, Malaysia

  • Led the backend engineering team for a consumer fintech platform serving 2M+ users; owned architecture decisions, technical strategy, and critical technical-debt reduction; achieved PCI-DSS compliance through secure payment-processing standards and a successful VAPT.
  • Drove Setel's first multi-cluster Kubernetes architecture ("Fission") and Istio service-mesh adoption; led platform initiatives including rate limiting, RabbitMQ → ActiveMQ migration, distributed tracing, audit-trail enhancement, and a shared Platform SDK.
  • Architected an event-driven user-management platform (Kafka consumers across tens of microservices), the IAM authentication and authorization layer securing cluster ingress, and a voucher & campaign management platform built from scratch to support fast-moving marketing launches.

Setel  (Petronas Dagangan Berhad — Digital Arm)

Mar 2021 – May 2022

Team Lead  ·  Kuala Lumpur, Malaysia

  • Led a team of 5 engineers to design and deliver a high-performance card-present payment platform for Petronas stations (Indoor & Outdoor Payment Terminals), including HSM-based card PAN encryption, an ISO 8583 ↔ REST API translator, BIN-range routing, and direct Maybank/CIMB TCP-server integration — coordinating 5+ vendors across 3 payment teams.
  • Architected the end-to-end Unified Payment Platform (UPP) from zero payment-domain knowledge to full ownership; provided technical leadership across payment workflows and security implementations.
  • Recognized as the #1 performing engineer on Setel's engineering team in the 2021 performance cycle.

Setel  (Petronas Dagangan Berhad — Digital Arm)

Aug 2019 – May 2022

Backend Engineer  ·  Kuala Lumpur, Malaysia

  • Architected the Petronas Mesra loyalty platform — migrating legacy on-premise infrastructure to AWS and launching virtual loyalty cards alongside physical cards with HSM encryption — serving 2M+ users and partnering directly with Petronas Dagangan Berhad on their digital transformation.
  • Diagnosed and resolved a high-severity national loyalty-card fraud incident (Mesra cards cloned by fraudsters), pinpointing root cause and delivering the end-to-end remediation across Petronas, PDB, PDRM (Malaysian Police), and external auditors when no other team member had a lead.

TNG Digital — Touch ‘n Go eWallet

Jan 2019 – Jul 2019

Java Developer  ·  Kuala Lumpur, Malaysia

  • Built scalable payment features in the Touch 'n Go eWallet backend using Spring Boot microservices and Alipay platform technology.
  • Led a small internal payment team integrating online payment features with external merchant systems.
Architecture & Platform Microservices, Event-Driven Architecture, Multi-Cluster Kubernetes, Service Mesh (Istio), Clean Architecture, Infrastructure as Code (Terraform), CI/CD
Cloud & Infrastructure AWS, Kubernetes, Docker, NGINX, Terraform
Payments & Security Payment HSM Integration, ISO 8583, Card-Present (IPT/OPT), PCI-DSS, VAPT, IAM (AuthN/AuthZ), Digital Asset Custody, Regulatory Compliance
Backend & Data Node.js, NestJS, TypeScript, Java, Spring Boot, PostgreSQL, Apache Kafka, RabbitMQ, ActiveMQ, Temporal (workflow orchestration)
Leadership Engineering team leadership, Technical strategy & vision, Mentorship, Agile delivery, Enterprise & regulatory stakeholder management, Vendor management
Staffordshire University  —  Bachelor’s Degree, Software Engineering (2016–2018)
Asia Pacific University of Technology & Innovation (APU / APIIT)  —  Bachelor’s Degree & Diploma, Software Engineering (2014–2018)
Chinese (Simplified) Native / Bilingual
English Professional Working
Malay Elementary