Bio
Melvin Philips is a Staff Engineer at Lead Bank, where he leads the financial platform team powering fintechs like Affirm, Ramp, Revolut, and Wise. With over a decade of engineering experience, he has been a early engineer scaling startups from millions to multi-billion valuations. His expertise spans fintech infrastructure, Banking-as-a-Service, payments, stablecoins, observability, and AWS cloud architecture. In addition to his work, Melvin contributes to open source projects, has spoken at industry conferences such as Fintech Devcon and AWS Community Day, serves as a technical scout for Ribbit Capital, and actively engages with the developer community through judging hackathons and advising on technology trends.