Boopathi S Subramanian

Experienced Payment Architect with over 15 years of success in designing and implementing scalable, cloud-native payment systems for real-time and high-volume transaction environments. Specializes in crafting real-time payment solutions across networks like FedNow, RTP, Zelle, and FedWire ISO 20022, utilizing event-driven frameworks such as Akka, Kafka, and Spring Boot-based microservices. Demonstrates expertise in real-time transaction processing, secure API development, and agile delivery within compliance-driven financial sectors. Recognized for leadership in guiding cross-functional teams and architecting high-availability systems tailored for modern banking and digital payment platforms. Pioneers the utilization of the ICON Payment Framework (IPF) to develop resilient, low-code payment applications—acknowledged as one of the earliest professionals to attain ICON IPF Framework Foundation certification. Hands-on experience includes implementing CQRS-driven data distribution, Kafka integration, and ISO 20022 standards.

• Led end-to-end architecture and delivery of a real-time payment platform supporting FedNow and RTP transactions with sub-second response times, ensuring 99.99% system uptime in a production environment.
• Spearheaded the successful migration of high-value payments to ISO 20022-compliant FedWire messaging using Akka-based event-driven microservices and Kafka for resilient data streaming.
• Built cloud-native payment applications using the ICON Payment Framework, implementing low-code flows for ISO message orchestration and complex routing rules with minimal development effort.
• Among the first certified professionals globally in the ICON IPF Framework, driving adoption and technical mentoring within cross-functional agile teams.
• Designed and deployed CQRS-based data distribution pipelines using Akka Streams and Kafka, optimizing real-time transaction visibility and audit trails for downstream systems.
• Reduced processing latency by 35% in the core transaction engine by introducing asynchronous, non-blocking APIs and microservice optimizations in Spring Boot.
• Implemented Zelle and RTP rails integration into a multi-rail transaction router, enabling smart routing based on SLA, cut-off times, and risk parameters.
• Led a payment modernization initiative for a Tier 1 U.S. bank, replacing legacy batch-based ACH workflows with a scalable microservices-based infrastructure for instant payments.
• Collaborated with InfoSec and compliance teams to ensure PCI DSS and FedLine Direct protocol adherence across all payment endpoints and audit systems.

• Icon Payment Framework (IPF) Foundation
• AWS Cloud Practitioner
• Azure Cloud Fundamentals
• IBM Certified Admin - WebSphere MQ, WAS, Message Broker

• Completed a highly interactive, six-week structured onboarding and technical training program led by multiple co-facilitating faculty and subject manager experts from the business.
• Through the Java technical focused track, developed a firm understanding of Agile, enterprise software development, modern Java and Angular programming patterns, microservices architecture, Sprint Boot applications, Sprint Data/JPA, relational database design, Docker/containerization and orchestration, consultative thinking, and CGI teamwork philosophies.
• Additional curriculum around building foundational consulting, time management, decision making, and security skills.
• Provide a brief project description in a short paragraph or your tasks

• State government
• Banking and Finance

Received one of CGI’s highest individual honors two years in a row for exceptional contributions under the “Bridge to Client” category. Acknowledged for building deep client trust, especially during a critical period of transformation when the client made the strategic decision to shift from a commercial off-the-shelf product to a custom-built payment application.

• Served as a key technical advisor and change enabler, guiding the client through architectural trade-offs and aligning solution design with long-term payment modernization goals.
• Fostered strong cross-functional collaboration between client stakeholders, engineering teams, and leadership, resulting in smoother execution and sustained client satisfaction.