Nftalem Arega
Full-Stack Software Engineer
3+ years building enterprise fintech & banking systems. Specializing in Spring Boot, Next.js, USSD payments, KYC/AML, and high-availability microservices.
Projects
USSD Push Payment Platform
Full-stack banking platform enabling secure mobile-initiated USSD transactions with merchant management.
Developer Portal
API gateway portal exposing internal banking APIs to third-party fintech partners with onboarding flows.
Remittance Mobile App
Secure international money transfer application with E2E encryption and multi-factor authentication.
KYC / Fayda Integration
Biometric identity verification system integrated with Ethiopia's national Fayda ID for KYC compliance.
Experience
Full-Stack Software Engineer
ZamZam Bank S.C
Core banking fintech solutions for one of Ethiopia's leading Islamic banks.
- ▸Architected and delivered a USSD Push Payment platform with full Merchant Management, enabling secure mobile-initiated transactions across the bank's customer base.
- ▸Built a Developer Portal to expose internal APIs to third-party fintech partners, accelerating integration onboarding and reducing support overhead.
- ▸Implemented a Single Sign-On (SSO) solution across multiple internal applications, improving security posture and user experience.
- ▸Led the Fayda national ID harmonization initiative, deeply integrating biometric identity data with the bank's KYC workflows to ensure regulatory compliance.
- ▸Developed a secure Remittance Mobile Application with end-to-end encryption and multi-factor authentication, supporting international money transfer services.
- ▸Built the USSD Push Payment platform and full-stack banking modules using Next.js and Spring Boot, with RESTful API integration for real-time transaction processing.
- ▸Implemented RabbitMQ message queues for asynchronous processing, improving system reliability and decoupling microservice communication.
Full-Stack Developer (Part-Time)
Blackrock Solution PLC
Software consultancy delivering custom web and automation solutions for enterprise clients.
- ▸Developed and maintained scalable web applications using React, Node.js, and PostgreSQL, ensuring high availability and performance.
- ▸Designed and deployed Telegram bots to automate client workflows and enhance user engagement on digital platforms.
- ▸Integrated SMS notification functionality with Monday.com, enabling automated project status alerts and reducing manual follow-up overhead.
- ▸Collaborated with cross-functional teams across the full SDLC — from requirements gathering and design reviews to deployment and post-launch monitoring.
Backend Developer (Part-Time)
Trust ICT Solution
Contract role focused on backend systems and database-driven application development.
- ▸Developed RESTful backend services using Flask and Node.js for data-intensive applications.
- ▸Designed and implemented efficient, scalable data models based on cross-functional requirements, optimizing database architecture for application performance.
Skills
Languages
Domain Knowledge
Frontend
Backend
Databases
Tools & Platforms
Education
Addis Ababa Science and Technology University
Bachelor of Engineering · Electrical and Computer Engineering
ALX Holberton Software Engineering
Specialization · Software Engineering
Certifications
ALX Software Engineering Certificate
ALX / Holberton School
Jun 1, 2023
Achievements
USSD Push Payment Platform
Feature DeliveryArchitected and delivered a full USSD Push Payment platform with Merchant Management at ZamZam Bank, enabling secure mobile-initiated transactions.
Jan 1, 2025
Fayda National ID Integration
ComplianceLed the Fayda national ID harmonization initiative, integrating biometric identity data with KYC workflows for regulatory compliance.
Mar 1, 2025
Developer Portal Launch
PlatformBuilt a Developer Portal exposing internal APIs to third-party fintech partners, accelerating integration onboarding.
Dec 1, 2024
ALX Software Engineering Graduate
EducationCompleted the intensive ALX Holberton Software Engineering specialization program.
Jun 1, 2023
Interested in working together?
I'm open to new opportunities. Let's talk about your project.