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Keith Fong

Engineering Lead — Singapore

keithfong@outlook.comlinkedin.com/in/fong-keithgithub.com/Lexzt

// summary

Engineering Lead at Wise with ~5 years in cards, payments, and fintech infrastructure. I build and scale systems that move money across borders — from card issuance and PCI-compliant data flows to market expansion in regulated environments. Passionate about AI automation, developer tooling, and creating environments where engineers closest to the systems have a real voice in technical direction.

// experience

Engineering Lead — Cards / Spend Adoption

Oct 2023 → Present

Wise · Singapore

  • Lead engineering for Wise's card adoption and early customer experience domain — card ordering, availability, fulfilment, manufacturing integrations, back-office tooling, alerting, monitoring, and incident management
  • Own PCI-sensitive card systems including encryption and decryption flows for sensitive card data, supporting multiple yearly compliance audit cycles
  • Shaped a scalable approach for operating card systems in India's data-regulated environment, balancing local regulatory requirements with Wise's global platform model
  • Support Wise card launches and expansion across markets including the US, India, Brazil, Malaysia, and others — both consumer and business segments
  • Support engineers leading Auto Top-up and Bill Split initiatives — providing technical direction, unblocking delivery, navigating stakeholders, and growing engineers
  • Coach engineers through RFC writing, technical ownership, stakeholder alignment, global approvals, and promotion growth

Software Engineer II — Spend Issuance

Oct 2022 → Oct 2023

Wise · Singapore

  • Core engineer on card issuance infrastructure — systems that provision and lifecycle-manage debit cards across Wise's global card programmes
  • Built issuance flows for new market expansions, handling regulatory requirements and card network integrations (Mastercard, Visa)
  • Reduced card issuance failure rates by diagnosing and fixing edge cases across the card lifecycle pipeline
  • Operated high-throughput backend services with on-call rotation, incident response, and post-mortem culture

Software Engineer — Spend Issuance

Jun 2021 → Oct 2022

Wise · Singapore

  • Early engineer on Spend Issuance — helped build and scale the card issuance platform from greenfield to production
  • Shipped core card lifecycle features: issuance, activation, pin management, and card controls used by millions of customers
  • Worked across the stack (Kotlin, Java, Terraform) with exposure to payment processing, card network APIs, and infrastructure-as-code

Software Engineer Intern

May 2020 → Jul 2020

GovTech Singapore · Singapore

  • Built a Dockerized form submission platform handling 100+ form types for government digital services
  • Integrated Camunda workflow engine for automated form verification and routing
  • Wrote test suites and CI pipelines with git hooks — shipped to production during the internship

Software Engineer Intern

Jan 2019 → Dec 2019

Edison Software · San Jose, California

  • Built a full-stack calendar plugin integrating with 8 email providers (Google, Microsoft, CalDAV) used by 100k+ users
  • Designed a recurrence engine handling timezones, daylight savings, and offline SQLite storage
  • Mentored fellow interns on React, Redux, and engineering best practices

// skills

Backend & Systems

KotlinJavaPythonPostgreSQLKafkagRPCREST APIsMicroservices

Frontend & Web

ReactNext.jsTypeScriptTailwind CSSHTML/CSS

Infrastructure & DevOps

DockerTerraformCI/CDGitHub ActionsAWSCloud RunTailscale

Domain Expertise

Cards & PaymentsCompliance & RegulatoryProduct StrategyTeam LeadershipIBKR API

AI & Automation

OpenClaw / AI AgentsLLM IntegrationBrowser AutomationGmail/Calendar APIs

// education

Nanyang Technological University

Computer Science · Singapore

Bachelor of Science in Computer Science


Last updated May 2026