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Sudha Rajamanickam

Software Engineer
Episode six
Member since
28 Sep
Location
Chennai
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

A Software Engineer specializing in payments, tokenization, ISO8583 processing, 3D Secure, and risk rule systems at Episode Six, a global payments technology company. With extensive experience supporting banks, fintechs, and payment processors, works across core areas such as authorization flows, settlement reporting, card provisioning, and real-time transaction monitoring.

Experience

Software Engineer
Episode six
Oct 2024 - Present
Software Engineer at Episode Six, specializing in payments processing, tokenization, and ISO8583 transaction flows. I work across risk, reporting, and offering APIs, helping banks and fintechs deliver secure, real-time payment solutions.
Senior Software Engineer
Socure
Oct 2021 - Oct 2024
At Socure, I worked on digital identity verification and fraud prevention solutions. I contributed to building AI/ML-powered KYC and AML systems for financial institutions. My role involved integrating document verification, device intelligence, and risk scoring models. I helped clients improve onboarding accuracy and reduce false positives in identity checks. I collaborated with banks and fintechs to ensure regulatory compliance and faster onboarding. Through this work, I strengthened trust in digital payments by enabling secure, scalable identity verification.
Software Engineer 3
PayPal
Jan 2017 - Oct 2021
At PayPal, I worked on core payment processing systems supporting high-volume global transactions. I designed and implemented a multi-layered payment architecture with improved fault tolerance. I led the development of an in-house testing platform, reducing integration issues for partner processors. I contributed to legacy migration projects, moving high-traffic systems from ActiveMQ to REST APIs for better performance. I enhanced 3D Secure 2.0 compliance and optimized processing queues, reducing transaction failures. Through these projects, I strengthened PayPal’s ability to deliver secure, reliable, and scalable payment services worldwide.
Associate Developer
Banca Sella
Jun 2012 - Dec 2016
At Banca Sella (Centrico India), I worked on banking CRM and portfolio management applications. I designed and developed REST APIs for employee and customer portfolio management. I built real-time SQL reporting queries, improving data retrieval speeds by 10%. I implemented caching strategies for CRM services, reducing response times by 35%. I contributed to a customer portfolio and campaign management tool, boosting engagement and conversion rates. Through this role, I gained strong experience in API design, performance optimization, and banking domain systems.
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Latest opinions

Sudha Rajamanickam

The Payment Story: Era 2- When Money Learned to Move on Its Own

From paper slips to instant payment messages — this was the era when money stopped waiting for people and started moving by itself. While card networks like Visa and Mastercard reinvented how we paid, central banks quietly built the backbone for how banks paid each other through ACH — the Automated Clearing House. One moved with every swipe. The ot...

18 October 2025 Fintech

Sudha Rajamanickam

The Payment Story: Era 1- The Central Bank’s Invisible Hand

Behind every withdrawal, loan, or transfer lies a hidden boss — the central bank. In this opening part of my series “The Payment Story,” I explore how central banks quietly shape liquidity, interest rates, and the very rules of the money game. Why do home loan rates rise and fall? Why can’t banks simply lend freely? Central banks set the guardrails...

29 September 2025 Fintech

Sudha writes about

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  • retail banking

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