Henrique Rachti Assumpção, Developer in São Paulo - State of São Paulo, Brazil
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Henrique Rachti Assumpção

Back-end Engineer and Developer

São Paulo - State of São Paulo, Brazil

Toptal member since March 12, 2026

Bio

Henrique is a senior back-end engineer with extensive experience in building and operating high-reliability Java systems in large-scale financial environments. He specializes in designing and maintaining bank and payment integrations across multiple rails, including ACH, cards, wire, and crypto, and focuses on resiliency, performance, and correctness. Henrique's expertise in microservices architecture, asynchronous messaging, and cloud-native systems is complemented by observability practices.

Portfolio

Cloud Payments
Apache Tomcat, Amazon Web Services (AWS), Docker, Java, Spring Boot, Fintech...
Itaú Unibanco
Java, Spring Boot, Microservices, Amazon Web Services (AWS), Redis...
Itaú Unibanco
Java, .NET, Selenium, Spring Boot, Postman, MySQL, Oracle Database

Experience

  • Design Patterns - 8 years
  • Java - 8 years
  • Microservices - 7 years
  • PostgreSQL - 6 years
  • Spring Data - 6 years
  • Spring Boot - 6 years
  • Amazon Web Services (AWS) - 5 years
  • Apache Kafka - 3 years

Preferred Environment

Java, PostgreSQL, Apache Kafka, Amazon Web Services (AWS), WireMock, Testcontainers, Docker, Spring Boot, Spring Security, Spring Data

The most amazing...

...thing I've built is a back-end service to handle crypto-to-fiat and fiat-to-crypto transactions using the Ripple (XRPL) network.

Work Experience

Senior Java Back-end Engineer

2022 - PRESENT
Cloud Payments
  • Modernized legacy components into modular services with clear boundaries and backward-compatible API/versioning strategies, enabling safer releases.
  • Built and maintained bank/payment connectors and integrations across multiple rails (ACH, wire, cards, and crypto), handling webhook-driven events and real-world edge cases.
  • Developed a Model Context Protocol (MCP) server integrated into an n8n pipeline to feed and power a chatbot, enabling automated conversational workflows within the payment platform.
  • Improved performance in critical paths by tuning PostgreSQL queries/indexes and optimizing data access patterns.
  • Strengthened production readiness with observability logs, metrics, and alerts, as well as incident response practices, improving MTTR and release confidence.
Technologies: Apache Tomcat, Amazon Web Services (AWS), Docker, Java, Spring Boot, Fintech, Hibernate, Java EE (Jakarta EE), JPA, Apache Maven, Large Language Models (LLMs), Microservices, Mockito, PCI, PostgreSQL, Postman, REST, Scrum, Spring Security, Spring Data, Web Services

Software Engineer

2019 - 2021
Itaú Unibanco
  • Built and maintained Java/Spring microservices and REST APIs, integrating asynchronous messaging using Kafka and IBM MQ, and applying clean/hexagonal architecture to improve maintainability and testability.
  • Improved production operability by strengthening observability using CloudWatch, Splunk, and Grafana for faster troubleshooting and proactive issue detection.
  • Implemented a testing strategy aligned with the testing pyramid (unit, integration, and small E2E), expanding automated coverage and preventing regressions.
Technologies: Java, Spring Boot, Microservices, Amazon Web Services (AWS), Redis, Financial Services, Microsoft SQL Server, REST, Apache Kafka

Software Developer I

2018 - 2019
Itaú Unibanco
  • Automated daily yield reporting with a .NET pipeline, which consolidated data from XML, TXT, Excel, and databases (DB2 and SQL), reducing a full-day manual process to under 30 minutes.
  • Built a WPF dashboard to track processing status and failures, increasing operational visibility and speeding up issue detection.
  • Implemented data ingestion, validation, and persistence using Entity Framework, improving data consistency and report accuracy.
Technologies: Java, .NET, Selenium, Spring Boot, Postman, MySQL, Oracle Database

Intern

2017 - 2018
Itaú Unibanco
  • Contributed to the development and enhancement of automations for banking correspondent management using .NET.
  • Developed a demand and occurrences control application using Java.
  • Developed a portal to check all the different processes using Java.
Technologies: Java, SwingX, Microsoft SQL Server, .NET

Experience

MCP Server for n8n Chatbot Pipeline

Developed an MCP server to be used within an n8n pipeline, enabling automated workflow orchestration to feed and power a chatbot. The server acted as a bridge between the payment platform's back-end services and the conversational AI layer, allowing the chatbot to retrieve real-time data and trigger actions through structured n8n workflows.

Ripple On/Off-ramp Transaction Engine

Built a back-end service to handle crypto-to-fiat and fiat-to-crypto transactions using the Ripple (XRPL) network. The on-ramp flow accepted fiat payments and automatically submitted XRP transactions to the ledger via Ripple's payment APIs. In contrast, the off-ramp flow converted XRP holdings back to fiat and triggered core banking disbursements.

I implemented webhook listeners to track transaction status on the XRPL and drive downstream settlement actions. I also utilized Spring Boot, PostgreSQL for transaction persistence, Kafka for async event processing, containerized with Docker, and deployed on AWS.

ACH File Processor and Transaction Engine

Built a back-end system to generate, parse, and process ACH (NACHA) files for payment transactions. The engine consumes return files via Kafka, interprets return codes, and automatically triggers the appropriate core banking actions, including reversals, retries, and notifications.

I designed it with Spring Boot and Hibernate for data persistence, containerized it with Docker, and deployed it on AWS. I also covered it with comprehensive unit and integration tests using JUnit and Mockito, ensuring the correctness of file parsing logic and transaction flows.

Education

2022 - 2024

Diploma in Business Administration

University of Victoria - Victoria, Canada

2015 - 2018

Bachelor's Degree in Computer Science

Mackenzie Presbyterian University - Sao Paulo, Brazil

Skills

Libraries/APIs

SwingX

Tools

WireMock, Apache Tomcat, Apache Maven, Postman, n8n

Languages

Java, SQL

Frameworks

Spring Boot, Spring Security, Hibernate, JPA, Mockito, .NET, Selenium

Paradigms

Microservices, Design Patterns, Logic Programming, REST, Scrum, Model Context Protocol (MCP)

Storage

Spring Data, PostgreSQL, Redis, Microsoft SQL Server, MySQL

Platforms

Docker, Apache Kafka, Amazon Web Services (AWS), Linux, Java EE (Jakarta EE), Oracle Database

Other

Distributed Systems, Testcontainers, Linear Algebra, Calculus, Computational Learning Theory, Artificial Intelligence (AI), Web Marketing, Finance, Business Law, Business, Fintech, Large Language Models (LLMs), PCI, Web Services, Financial Services, Webhooks, ACH Payments

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