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Francisco Montilla

Career Trajectory & Resume

Francisco Montilla

Senior Software Engineer · Payments, FinTech, AI & E-Commerce

Senior Software Engineer & Frontend Lead in Miami, FL with 7+ years of experience building payment infrastructure, FinTech SDKs, AI agents, and e-commerce platforms.

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Professional Experience

Companies & engineering roles

Payabli

Payabli ↗

Full-Time · CurrentMiami, FL

Sr. Software Engineer & Frontend Lead

2024 — Present
Dispute AI Agents & MCP

Chargeback resolution & processor representment agents, plus an internal MCP server over Payabli APIs.

Express Checkout & SDK v2

Apple Pay & Google-certified Google Pay components, and Embedded SDK v2 with MessageChannel & Web Components.

Tap to Pay SDK & Check RDC

Mobile wrapper SDK over Fiserv Tap to Pay and camera-based Remote Deposit Capture (RDC).

Portals, SMS Paylinks & SSO

Customer & Vendor Portals, end-to-end SMS Paylinks with opt-in consent, and Google OAuth SSO via AWS Lambda.

AI Dispute AgentsMCP ServersEmbedded SDKApple Pay & Google PayTap to Pay SDKReactTypeScriptAWS Lambda
Dango Digital

Dango Digital ↗

Engineering RoleRemote

Sr. Software Engineer & Shopify Developer

2023 — 2024
  • Built custom Shopify apps using React, Polaris, and Node.js for specialized merchant workflows.
  • Engineered fast, mobile-first Shopify themes with Liquid and modern JavaScript.
  • Integrated merchant data models with Shopify GraphQL/REST APIs and external ERPs.
ShopifyReactShopify PolarisNode.jsLiquidGraphQL
Brooklyn Solutions

Brooklyn Vendor Assurance ↗

Full-Time RoleLondon, UK (Remote)

Software Engineer

2022 — 2023
  • Delivered responsive product modules inside an enterprise React SaaS platform.
  • Extended Node.js/Express APIs and optimized PostgreSQL queries.
  • Expanded Cypress end-to-end integration test coverage for critical workflows.
ReactNode.jsExpressPostgreSQLCypress
Bodas de Hoy

Bodas de Hoy ↗

Tech Lead RoleSpain (Remote)

Frontend Engineer & Technical Lead

Jan 2019 — Apr 2022
  • Led platform architecture from initial planning through production delivery.
  • Defined the Next.js, React, and GraphQL stack and coordinated engineering priorities.
  • Managed AWS and DigitalOcean production environments.
Next.jsReactGraphQLTailwind CSSAWSDigitalOcean

Freelance Profiles

Direct hiring & consulting

Upwork

Verified Talent · Payments, AI & Full-Stack

Direct contract hiring, milestone delivery, and hourly engineering.

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Workana

Pro Freelancer · FinTech & E-Commerce

End-to-end web platforms, Shopify ecosystems, and custom integrations.

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Freelancer.com

Global Profile · Software Architecture

International software engineering and technical consulting projects.

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Technical Stack

Capabilities

Payments & FinTech

Embedded SDKApple Pay & Google PayTap to Pay SDKRemote Deposit Capture (RDC)ACH & TokenizationSMS Paylinks

AI & Agentic Systems

AI Dispute AgentsMCP ServersOpenAI Codex, Claude & GrokAutonomous Tool-Calling

Frontend Architecture

ReactNext.jsTypeScriptWeb ComponentsMessageChannel APITailwind CSS

Commerce, Backend & Cloud

ShopifyShopify PolarisLiquidNode.jsGraphQLPostgreSQLAWS LambdaCypress

Looking for engineering leadership across payments, FinTech, or AI?

Get in touchDownload CV (PDF)