— Ronald Reagan
also, more or less, the job description
I build large-scale distributed systems that are high-throughput, low-latency and mission-critical — and the agentic AI capabilities increasingly built on top of them. For the past decade at Visa Inc. I have worked on real-time transaction-risk infrastructure: the fraud-decisioning systems 1,000+ issuing banks use to approve or decline a payment before the terminal finishes reading the card.
Before Visa I built driver-facing delivery software at @WalmartLabs, and set-top-box video calling and storefront platforms at Infosys for Comcast and EA Sports.
MS in Software Engineering, San Jose State University | Distributed Systems & Cloud Computing
A Model Context Protocol server exposing rule, KPI and reporting data as permission-scoped tools, so AI agents can act on governed production fraud data inside enterprise guardrails.
MCP · Agentic AI · Java · Spring Boot
A remediation framework built on compounding-engineering principles. Cut per-finding remediation from a day to 45 minutes and produced 19 patterns and 5 workflows now standard across 40+ repositories.
Agentic AI · SAST · DevSecOps · OWASP Top 10
Built with 14 global risk analysts to automate KPI calculation, testing, validation and client-ready reporting. Per-rule processing went from two hours to four minutes.
Python · Spring Boot · React · Workflow Automation
Observability across production endpoints that cut SLA-miss detection from three weeks to under a day, and avoided roughly $400K a year in contractual SLA credits.
Prometheus · Splunk · Spring Boot · StarRocks
Rebuilt the real-time decisioning workflows across 800+ active rules, defining the architecture end to end from Spring Boot services through React micro-frontends.
Java · Spring Boot · React · Real-Time Systems
Architected the customer-facing analytics suite on React and Spring Boot microservices over pre-aggregated stores that isolate reporting traffic off the latency-critical authorization path.
React · Spring Boot · Microservices · Analytics
Migrated Angular pages to React and TypeScript micro-frontends on Module Federation without a production incident, improving feature lead time by 35% while preserving years of embedded fraud business logic.
React · TypeScript · Module Federation · Micro-Frontends
Mobile application connecting communities through food sharing. Features real-time notifications, interactive maps integration, and cloud-based backend for seamless user experience.
Movie discovery app with comprehensive film information, ratings, and showtimes. Built with modern Android architecture patterns and popular open-source libraries for optimal performance.
Real-time cloud infrastructure monitoring dashboard with automated alerting. Tracks CPU, memory, network, and disk metrics across EC2 instances, sending notifications during high-load scenarios.
High-availability system for virtual machine management with automated failover capabilities. Monitors VM health and performs intelligent migration to ensure zero-downtime operations.
Invited twice to represent Visa in a collaboration with Stanford, presenting on payments fraud and risk systems to undergraduates.
Fixed a false positive in the OS_OPEN_STREAM detector of SpotBugs, the widely used Java static analyzer: closing a wrapper stream now counts as closing the stream it wraps. Reviewed and merged upstream. See the pull request
Best Financial Crime Prevention Solution, awarded to the Visa Risk Manager team for issuer fraud prevention across global card authorization.
Co-authored “System and Method for Monitoring Fraudulent Transactions at Merchant Level in Real Time Payment.” Read it
Santanu’s extensive experience in designing large-scale distributed applications… His expertise in building Risk systems applications and ensuring robust application security is noteworthy.
One of the most dedicated and hardworking team members I have had the pleasure of working with… consistently going above and beyond to ensure projects are completed on time and to the highest standard.
May 2022 – present
Visa Inc. · SF Bay Area
Lead technical initiatives across a fraud-decisioning platform serving 1,000+ issuing banks — distributed backend services, observability, front-end platform architecture and agentic AI.
Jul 2016 – May 2022
Visa Inc. · SF Bay Area
Core engineer on the platform’s multi-year re-architecture. Designed 50+ REST APIs and set the conventions the team still builds against.
Jun – Dec 2015
Walmart Global Tech · Sunnyvale
Built one of Walmart’s first driver-facing delivery apps for the 2015 grocery pickup-and-delivery rollout — the Android client on enterprise handhelds plus the REST services behind it.
Aug 2014 – Jun 2016
San Jose State University
Specialized in distributed systems and cloud computing.
Sep 2011 – Jul 2014
Infosys Ltd. · Mysore, then Bangalore
Trained in product engineering at the Mysore campus, then delivered Java and web features for EA Sports’ Origin platform and Android set-top-box video calling for Comcast’s Skype on XFINITY — audio/video, messaging and file sharing.
2007 – 2011
Bangalore Institute of Technology
Four years of computer science fundamentals, awarded by Visvesvaraya Technological University.
Part-time programme in technology project management, completed alongside the Visa Risk Manager re-architecture. The Visa–Stanford relationship it opened led to the guest lectures above.
Stanford University
Specialized in distributed systems and cloud computing. Interned at Walmart Global Tech during the programme.
San Jose State University
Four years of computer science fundamentals — algorithms, operating systems, databases, networks and software engineering.
Visvesvaraya Technological University
Organised donation drives for a 480-bed government paediatric hospital in Bengaluru treating children largely from low-income families, where haematology, surgery and neonatal critical care all run on the blood bank. Recruited donors, ran the outreach behind each drive, and coordinated collection with the hospital — sustained from university through the start of a full-time engineering career.
Bengaluru · Social Services
Or email me directly at santanu.setu@gmail.com