Richard Pallos

Centralized Access Management & API Platform Modernization: architected the Azure identity platform (Entra ID, Azure AD B2C, OAuth2/OIDC, Graph API) and introduced the Tyk API gateway. ERP Transformation (from Nov 2024): supporting integration and messaging architecture (RabbitMQ) for the ERP modernization.

One continuous engagement, handed more scope each year: KYC & digital contracting enablement (2019); video identification & remote sales platform (2020); banking identity platform modernization on Azure AD B2C (2021); internet banking transformation programme with end-to-end microservices architecture (2020-2023).

Held full delivery accountability for multiple development teams as primary client interface for negotiations and stakeholder alignment. Owned pre-sales activity and bid processes, with full P&L responsibility including financial reporting and pipeline management. Defined solution architecture and guided enterprise Java development and performance optimization.

Worked across multiple parallel banking programs to align enterprise architecture principles, integration strategies, and delivery initiatives. Reviewed projects across functional, integration, security, operational, and architectural dimensions.

Worked as part of the integration partner team preparing the implementation proposal, architecture approach, and delivery planning for a multi-year internet banking transformation program. Worked on-site in Amsterdam with Backbase Solution Architects to define the target solution.

Built a high-performance data migration application for a banking client, with a Java Spring Boot backend, as part of a recurring freelance engagement in data migration and delivery.

Supported architecture and integration planning for the new internet and mobile banking platform following the bank's decision to proceed with MiSys/Finastra. Assisted analysis of enterprise integration requirements and solution dependencies.

Coordinated integration and architectural planning for a new mobile banking platform, supported NFC-based mobile payment functionality, and worked closely with product owners and business stakeholders on digital banking initiatives.

Defined the migration strategy for the Citibank retail portfolio acquisition, as part of a recurring cross-client specialist role in high-performance data migration.

Built a green-field digital platform as backend/frontend Java developer, including data modelling and API design.

Led implementation of major regulatory changes under strict legal deadlines, coordinating scope and development execution. Scaled system performance across the Oracle database and Java application layers to support increased production load.

Developed migration tooling to support the Allianz Bank retail portfolio acquisition, handling data mapping and transformation for the merged banking systems.

Developed migration tooling to support a Siebel CRM introduction, part of a recurring cross-client specialist role in high-performance data migration.

Redesigned legacy-to-greenfield data migration onto an Oracle-based Enterprise Java platform, reducing execution time to a few hours. Developed backend transactional services with web interfaces and automated tests. Took over 24/7 L3 production support after go-live of a nationwide credit bureau system.

Developed an internal loan origination frontend application as part of the bank's retail lending workflow.