University of Texas at Tyler
Master of Science, Industrial Engineering, 2015
Staff Software Engineer
Los Angeles, California. U.S. Citizen.
Banking, Payments, Infrastructure, AI/ML.
Mike Vincent is an American software engineer and founder from Los Angeles who builds and runs payments and AI model platforms for well-known brands. He has worked as an engineering manager and staff engineer at companies including PwC, Capital One, Discover, and Fannie Mae, and writes about Python, programming, and technology leadership in the “Quark’s Outlines” series.
Current work. Fraud and risk models for the Discover Global Network, a global payments network. This includes prohibited-transaction detection required under UIGEA and Regulation GG, plus the platform that serves those models in production.
NLU, entity and intent models behind the Capital One Eno chatbot, running on Capital One’s enterprise AI platform. Transit demand and real time arrival prediction for UMO IQ and NextBus, built in SageMaker with TensorFlow and PySpark.
Hybrid retrieval for Discover.com and CapitalOne.com over vector embeddings and BM25, scored on offline evaluation sets that measure answer quality. Enterprise intranet search for Lockheed Martin, and hybrid search for Radio Index, an old-time-radio catalog.
Fraud scoring on the Discover Global Network, Zelle transfer APIs, Capital One Databolt vaultless tokenization, and contactless iPhone fare payments with Apple for NYC MTA OMNY, all under PCI.
Three clouds, one set of pipelines. Transit-payment SaaS across five agencies serving millions of riders, with KEDA autoscaling on AWS and Azure.
PCI, SOC 1 and 2, ISO and SOX audits passed on fare-payment platforms. mTLS with a Smallstep private certificate authority across the Cubic fleet.
Ships the interface and carries the pager. The Fannie Mae Collateral Underwriter SPA, Poison Control on iPhone and Android built with Cordova, and on-call incident response behind it all.
Mike Vincent
Los Angeles, CA · U.S. Citizen · mikevincent.dev
Master of Science, Industrial Engineering, 2015
Bachelor of Science, Linguistics, 2011
PwC · Los Angeles, CA
Founding engineer building AI search and payments infrastructure for Capital One and Discover.
Cubic Transportation Systems · San Diego, CA
Software engineering manager for transit-payment SaaS across five agencies. WMATA, NYC MTA, BART, LA Metro, and MBTA.
Cubic Transportation Systems · San Diego, CA
Lead engineer building rider-facing chatbots, prediction, and the cloud platform behind transit fare services.
Cubic Transportation Systems · Washington, DC
First DevOps engineer on Cubic's fare platforms, moving embedded and legacy systems to containers and cloud.
EPAM Systems · Washington, DC
Senior backend engineer at a digital agency, shipping search, payments, and mobile apps for enterprise clients.
EPAM Systems · Washington, DC
Backend engineer on a full-stack team building mobile apps and e-commerce for national brands.
Architecture for rights, metadata, payments, storage, and digital distribution systems from zero to production.
Architecture for search, RAG retrieval, metadata extraction, AI agent workflows, content processing, and API systems from zero to production.