
Henrique Rachti Assumpção
Verified Expert in Engineering
Back-end Engineer and Developer
São Paulo - State of São Paulo, Brazil
Toptal member since March 12, 2026
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
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
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.
Software Engineer
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.
Software Developer I
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.
Intern
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.
Experience
MCP Server for n8n Chatbot Pipeline
Ripple On/Off-ramp Transaction Engine
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
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
Diploma in Business Administration
University of Victoria - Victoria, Canada
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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