Tosin Ogunfowote

Tosin Ogunfowote

Software Engineer · AI Product Engineer

I'm a software engineer with 7 years of shipping products people rely on every day, from the platforms a bank runs on to the systems that decide who gets funded. I own work end to end: I take a messy business problem, shape it into a product, and ship it fast, tested and easy to maintain.

Lately I build with AI: RAG pipelines, streaming interfaces and tool-calling agents. The guide at the bottom of this page is one of them, so go ahead and ask it about me.

  • 7 years in production
  • LLM apps & agents
  • Product engineering, end to end
  • Frontend architecture
See my experience ↓

01 · Experience

Experience

Most of my career has been spent building industry-standard web applications, especially fintech SaaS: the software money moves through, from banking and payments to FX and lending, for teams in Lagos, Accra, London, Delaware and New York.

  • Moniepoint
  • CreatorFi
  • Changera
  • Wewire Africa
  • Nomad Bank
  • Libryo
  • Seekhostel

Moniepoint · Senior Frontend Engineer · 2025 – now

I build the software a bank runs on.

Moniepoint is a licensed bank and one of Africa's largest fintechs. I work on its banking and merchant platforms, used by thousands of agents and businesses across Nigeria: onboarding, sales performance and daily settlement reconciliation. In a licensed, regulated environment I also own the frontend's security, from role-based access to secure sessions, and I pushed the testing and release gates that made shipping safe.

99.9%
data accuracy on settlement reconciliation
−30%
production incidents

CreatorFi · Senior Frontend Engineer · New York · 2024 – 2026

I built the platform that funds creators against their revenue.

CreatorFi gives growth capital to music labels, game studios and creators, advanced against the revenue their work already earns. I architected the core of its lending platform: deal origination, servicing and reporting on a unified ledger, and tooling that links YouTube, Roblox, TikTok Shop, Tebex and Plaid revenue straight to deals. I also built the music royalty diligence product underwriters use before funding a catalog, and the risk monitoring that flags trouble after funding.

5
financing structures, from profit-share to floating revenue bands
5
revenue platforms connected to deals
3
verticals: music, gaming and content

Wewire · Changera · Nomad Bank

I spent years helping startups move money across borders.

At Wewire in Accra and Changera in Delaware I built the dashboards behind cross-border payments, multi-currency wallets, FX, virtual cards and crypto trading, and connected Web2 and Web3 payment gateways. At Nomad Bank in the UK I automated B2B KYC onboarding, so businesses could open accounts in a fraction of the time.

−25%
onboarding time at Nomad Bank
50%
shorter registration flow at Nomad Bank
+50%
dev speed from a design system at Wewire

Work

Where I've worked.

Senior Frontend Engineer with 7 years building dependable, large-scale frontend systems for fintech and banking platforms (payments, lending, merchant operations, and compliance-critical interfaces). Deep expertise in React, TypeScript, Next.js, and application architecture, with a strong engineering mindset for secure, data-heavy, production systems.

Now extending that foundation into applied AI product engineering: shipping LLM-powered tools (RAG pipelines, streaming interfaces, tool-calling agents) on top of real market and SaaS domain depth. Trusted to own complex features end-to-end, translate ambiguous business problems into shipped software, and keep systems maintainable, observable, and resilient over time.

LinkedIn GitHub
  1. Moniepoint

    Moniepoint

    Jan 2025 – Present

    Senior Frontend Engineer · London, England

    • Integrated and maintained mission-critical banking and merchant operations platforms used by thousands of agents and businesses across Nigeria, supporting payments, transaction reconciliation, sales reporting, and operational monitoring at national scale.
    • Built and maintained high-reliability dashboards and workflows for merchant onboarding, sales performance, and daily settlement reconciliation, achieving 99.9% data accuracy across high-volume financial transactions.
    • Implemented frontend security best practices including secure session handling, role-based access control (RBAC), defensive UI patterns, and strict data validation to support a licensed financial institution's compliance and trust requirements.
    • Championed automated testing and quality gates (Jest, Cypress, CI/CD), reducing production incidents by 30% while improving release confidence for regulated financial features.
    • Designed and contributed to shared component libraries and internal design systems, improving UI consistency, accessibility, and development velocity across multiple product teams.
  2. CreatorFi

    CreatorFi

    Sep 2024 – Aug 2026

    Senior Frontend Engineer (Contract) · New York, United States

    • Architected and shipped core modules of a creator-economy lending platform spanning business/deal origination (5 financing structures including profit-share with milestone phases, floating revenue bands, and multi-stream splits), servicing events, and deal reporting with a unified ledger.
    • Built an end-to-end music royalty diligence product for catalog ingestion, payor mapping, nowcast analytics, and permission-gated review workflows so underwriting teams could evaluate music catalogs pre-funding.
    • Delivered multi-platform revenue connection tooling (YouTube, Roblox, Plaid, Tebex, TikTok Shop) including client-side offer modeling (weighted revenue buckets, maturity matrices, PV-based principal) and reconciliation UIs, enabling ops to link external revenue to deals across gaming, content, and music verticals.
    • Implemented post-funding risk and monitoring systems (Early Warning Indicators, tiered Risk Alerts, case management) and KYB/business-profile integrations across a complex B2B fintech surface with legacy API and auth constraints.
  3. Changera

    Changera

    May 2022 – Jan 2025

    Senior Frontend Engineer · Claymont, Delaware

    • Implemented dashboards for FX payment processors, multi-currency wallets, crypto trading, cross-border payments, virtual cards, and business banking, streamlining financial operations.
    • Collaborated with integration partners to monitor fintech integration channels and escalate technical issues, ensuring seamless integration with third-party systems.
    • Integrated Web2 and Web3 payment gateways and led authentication and business onboarding setup for cross-border business payments.
    • Drove performance optimization across complex React and Next.js applications, improving load times, runtime responsiveness, and observability for data-intensive financial dashboards.
  4. Wewire Africa

    Wewire Africa

    Aug 2021 – Jul 2022

    Software Engineer · Accra, Ghana

    • Enhanced cross-border payment tools with wallet connectivity, transaction monitoring, and responsive design, improving user engagement and satisfaction.
    • Used Storybook to build reusable component design systems from Figma, increasing development efficiency by over 50%.
    • Contributed to agile development processes and designed a reusable component library, optimizing development workflows.
  5. Nomad Bank

    Nomad Bank

    Dec 2020 – Sep 2021

    Frontend Engineer · United Kingdom

    • Implemented UI from Figma designs, integrating RESTful APIs for seamless user experiences.
    • Automated the KYC process flow for B2B onboarding, reducing onboarding time by 25%, and streamlined registration flow by 50% following user feedback.
    • Utilized test automation to ensure maintainable solutions and reduce bugs by 30%.
  6. Libryo

    Libryo

    Sep 2020 – Dec 2020

    Software Engineer (Contract) · England

    • Developed scripts for legal document population using Playwright and TypeScript, improving document management efficiency.
    • Provided technical support for third-party merchants integrating with internal APIs, ensuring smooth integration processes.
  7. Seekhostel

    Seekhostel

    Jan 2018 – Mar 2021

    Founder & Frontend Developer · Ife, Nigeria

    • Co-founded and led frontend development and deployment on AWS, managing a technical team and ensuring high-quality deliverables.
    • Analyzed and resolved technical issues in payment processing systems, minimizing downtime and maximizing customer satisfaction.
    • Used AWS Amplify, S3, and EC2 for deployment and hosting.

Projects

Things I've built.

From fintech platforms and lending systems to AI-powered copilots — a selection of work spanning production financial software and applied LLM product engineering.

retrieveledger_rows→tool_callreconcile()→streamanswer
RAG · agents · streaming

Fintech Ops Copilot

2025

AI assistant for merchant transaction reconciliation and dispute support: RAG pipeline over transaction/ticket data, tool-calling agent, and a streaming Next.js chat interface. Built end-to-end with FastAPI, vector search, and Anthropic/OpenAI APIs.

Next.jsReactTypeScriptFastAPIPythonRAGVector SearchAnthropicOpenAITool-Calling Agents
Earna screenshot

Earna

Earna empowers independent workers with services such as health plans, income protection, and retirement savings. With insights and automations

Next.jsTypescriptReactFramer MotionTailwindCSSStripe
Website
Mojaa screenshot

Mojaa

Mojaa exchange provides seamless access to a diverse range of tokenized digital assets. Trade with confidence, speed, and security while building your wealth.

Tanstack QueryTypescriptJavascriptTailwindWebsocketsStorybookNx MonorepoNextJSGsapDocker
Website
Chatway screenshot

Chatway

Live Chat for Your Website. Revolutionize the way you communicate with your customers.

Vue.jsWebsocketsLive PollingJavascriptiFramesSDK and LibrariesCMSVueXGoogle TranslateAI Chatbot / Copilot
Website
Unsplash Image screenshot

Unsplash Image

Developed an open-source directory that gets images from unsplash API, and display in a lazy loaded container

Vue.jsUnsplash APISCSSTypescript
Website Source

Olyve

Olyve works by delivering impact, engagement, cost savings and retention combining process automation, wellness partnerships and smart AI integrations to help provide flexible benefits for the modern workforce

Next.jsVue.jsFramer motionChakraUITailwindCSSSCSSAWS Amplify
Website
Spottr screenshot

Spottr

April 2023 - September 2023

Helps brands and companies reach and manahe customers easily by creating distribution lists and ads based on location of customers and target brands

Next.jsTypescriptReactTailwindCSSReduxGoogle placesPayment gateways
Website
Cutstruct screenshot

Cutstruct

One-Stop shop to buy quality construction materials

Next.jsTypescriptTailwindCSSReact QueryChakra UI
Website
Reeka screenshot

Reeka

Rental Management That Elevates Your Business. Automate, Optimize, and Grow Your Short Term Rental Operations with Ease

Next.jsTypescriptPrismaTailwindCSSShadcn UIStripeCloudflare WorkersChartsGoogle maps
Website

Volunteering & Hackathons

I like contributing.

During my time in university, I attended a number of hackathons, and volunteered to some tech communities and events. It was eye-opening to see the endless possibilities brought to life by a group of motivated and passionate individuals. Some of my favorites are listed below.

  1. Flutterwave Hackathon

    December 2020 - January 2021 · Lagos, Nigeria

    Flutterwave Hackathon

    First place in the 2021 Flutterwave Developers Challenge (Out of 643 Devs). A challenge to come up with a solution using flutterwave payment solution

    Source (Web)
  2. Wordpress

    Mar 2016 - Jan 2021 · Open Source

    Wordpress

    Community Manager - Volunteered for wordpress core community management in my city. Organized meetups, hackatons, and one of the biggest conference in my university (Wordcamp)

  3. Kora

    Aug 2018 · Ife, Nigeria

    Kora

    Developed a web application which help university students ask and answer questions online. A stackoverflow for academics.

  4. Google Developers

    March 2018 - Aug 2023 · San Francisco, California

    Google Developers

    Volunteered in the management of the Google developers student chapter for my university

Education

Where I learned.

Skills

What I work with.

HTML5CSS3JavaScriptTypeScriptPythonReactNext.jsVue.jsNuxt.jsNode.jsRemixGraphQLFastAPILLM APIs (Anthropic, OpenAI)RAG PipelinesVector Databases (pgvector, Qdrant)Tool-Calling / Agent WorkflowsPrompt EngineeringReduxRTK QueryVuexTailwind CSSChakra UIMaterial UIShadcnStorybookJestCypressPlaywrightCI/CDd3.jsthree.jsMySQLMongoDBGitWebpackNx MonorepoFirebaseAWS (S3, EC2, Amplify)Agile / ScrumWeb3Ethereum
Portrait of Tosin Ogunfowote

Contact

Let’s connect & innovate.

I’m always eager to learn, explore new challenges, and connect with professionals who are passionate about technology and innovation. If you’re looking to elevate your projects with a blend of creativity, collaboration, and technical excellence, feel free to connect with me on LinkedIn or reach out by email.

Email me
LinkedIn ↗GitHub ↗

Based in Lagos (WAT, UTC+1)

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