Mika Koivisto.
Resume

Mika Koivisto

Hands-On Solution Architect · AI-Native Lead Developer · Payments & Open Banking

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Lead Developer and Hands-On Solution Architect with 25+ years in software development, specializing in payments and banking systems for the past 9 years. Architecting and delivering mission-critical regulatory APIs, real-time payment systems, and secure banking services in hybrid cloud environments. Proven track record from PSD2 compliance to production operations, combining deep technical expertise in Java/Vert.x, API security (OpenID Connect, OAuth 2.0, FAPI, eIDAS), and an AI-native development workflow.

// technical skills
Architecture Microservices, Event-Driven, REST, SOA, Serverless
Languages Java, JavaScript / Node.js
Frameworks Vert.x, Spring Boot, OSGi
API Security OpenID Connect, OAuth 2.0, FAPI, JWT, SAML, mTLS, eIDAS, PKI
AI & Tooling Claude Code, GitHub Copilot, Cursor, Codex, IntelliJ IDEA
API Management Apigee, AWS API Gateway
Cloud AWS, Docker
Messaging Apache Kafka, RabbitMQ (MQTT)
Databases PostgreSQL, MySQL/MariaDB, DynamoDB, DB2, Oracle
Observability Dynatrace, Grafana, Prometheus, OpenTelemetry, DataDog
Test Automation RestAssured, TestContainers, JUnit, Cucumber, JMeter, WireMock, SonarQube
Agile Scrum, Kanban, XP, TDD, CI/CD
// work experience
2017 — Present

Koivisto Consulting

Principal Engineer · Worldwide
Large Financial Services Group · Helsinki, Finland
  • Architected PSD2 Open Banking APIs (payment initiation, account information, funds confirmation) now processing millions of payments monthly — first Nordic bank to receive an exemption from the PSD2 fallback requirement.
  • Consolidated three separate Strong Customer Authentication solutions (web, mobile, sandbox) into a single unified solution; enabled app-to-app SCA and dynamic linking via universal links.
  • Re-engineered APIs from a mixed stack to a unified Vert.x architecture; co-created a shared internal toolkit (JAX-RS, Vert.x OpenAPI Router, resilience patterns) adopted across projects.
  • Operated the PSD2 production environment as a two-person team with continuous delivery; achieved the organization’s first 100% CALMS maturity coverage.
  • Co-authored the organization’s first JWT-based security token for internal API usage — a stateless alternative to SAML 2.0 and session-based systems.
  • Represented the organization in Open Banking Europe working groups, contributing to the OBE directory service definition.
Java 17+ · Vert.x · Docker · AWS · PostgreSQL · Apigee · OpenAPI · JWT · OAuth 2.0 / FAPI · OpenID Connect · Kafka · mTLS · eIDAS
2009 — 2016

Liferay

Core Platform Engineer → Senior Consultant
Los Angeles, CA & Helsinki · Frankfurt, Germany
  • Designed and built Liferay's SAML 2.0 Identity & Service Provider — a flagship enterprise feature still in the product today.
  • Worked closely with the founder and Chief Software Architect on key platform development.
  • Trained support engineers in technical troubleshooting (heap/thread dump analysis), improving independent diagnosis of customer issues.
  • Provided architecture consulting and solution validation for Fortune Global 500 clients including Robert Bosch, Vodafone, Barclays, and IBM.
2001 — 2009

Logica (now CGI)

Lead Software Architect → Software Designer
Helsinki, Finland
  • Coordinated architects across concurrent projects, combining hands-on architecture with pre-sales support and RFP evaluation.
  • Architected message-driven SOA solutions using IBM Message Broker and WebServices.
  • Progressed from developer to lead developer to architect across portal and CMS projects (WebSphere Portal, Liferay, WebLogic Portal, Fatwire CMS).
1999 — 2001

Spray Network

Lead Developer
1997 — 1998

Western Washington University

Web Technician (Computer Assistant IV)