Nayoon C.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

A highly skilled and experienced Senior Fintech and Payment Systems Engineer with proven track records in designing, developing, maintaining and managing secured and efficient payment systems. Have 15+ years of experience in Fintech Solutions, Payment Cards, e-Commerce Gateways, Transactions Switching, Payment Systems Implementation, International Payment Schemes [Visa, MasterCard, UnionPay] and Electronic Self Service Devices. Committed to staying updated with the latest industry trends and technologies. Key Competencies o 15+ years’ of experience in Fintech applications, Payment Cards, Transactions Switching and Payment Self Service Devices. o Experience in working collaboratively with many international system vendors and their staff in multi-regions [BPC Banking Technologies – Russia, Vietnam and Singapore, TSYS Payment Solutions – India and Malaysia, Hightech Payment Solutions – Morocco and UAE, PayHuddle – India, FIME – India, FINP – United Kingdom]. o Sound knowledge and experience in working with Global Payment Schemes such as Visa, MasterCard, UnionPay [Authentication and Authorizations, Clearing Settlement & Reconciliation, Periodical Mandates Implementations,] o Sound knowledge and experience in Payment Schemes Software systems. [Visa, MasterCard, UnionPay Test Simulator Systems, Clearing and Settlement Systems, Visa Edit Package, MasterCard MFE, etc]. o Sound knowledge in Payment Systems related concepts and standards [EMV, ISO 8583, NDC, DDC, PCI-DSS]. o Sound knowledge and experience in Global Payment Schemes mandatory certifications [ADVT, CDET, MTIP, MITP PP, GCT, NIV, UPQP]. o Sound knowledge and experience in hardware and software technologies in leading ATM brands in the industry [Diebold Nixdorf, Hitachi, NCR]. o Sound knowledge and experience in working with leading POS brands in the industry [Verifone, PAX, Newland] and latest CPoC Mobile Payments [MasterCard Cloud POS, Digit Secure DUNN]. o Sound knowledge and experience in Digital Wallets, e-Wallet, Digital Pay Apps, QR Payments and Apps [NDB Neos, HNB SOLO] o Sound knowledge and experience in Server Operating Systems [Windows and HPUNIX] o Sound knowledge and experience in programming technologies such as ASP.Net. C#, o Sound knowledge and experience in writing of technical documents. o Very good communication skills in English