Tech Lead · Open Finance & Payments Expert · AI-Driven Architect
Yummy (YC S21) · Ex Wompi (Bancolombia) · Medellín, Colombia
Tech Lead at Yummy (YC S21) — building Open Finance and Core Payments infrastructure for LATAM. 10+ years shipping payment systems at scale across banking, retail, and aviation in Colombia and Chile.
My focus: distributed systems that move real money reliably. From Colombia's first Open Banking service at Wompi, to CQRS architectures processing +150M records at Yummy, to autonomous AI agents applied to financial operations. I care about systems design, clear architecture decisions, and mentoring engineers who build for scale.
Outside of code: writing about fintech and engineering on Substack, licensed Ham Radio operator HJ4JPC, and occasional outdoors.
📬 carrilloapps.substack.com · 🌍 carrillo.app · 📫 m@carrillo.app
| Company | Role | Impact |
|---|---|---|
| Yummy (YC S21) | Tech Leader | Billing 4d→15min (+12M invoices/Q). CQRS +150M records, reports <3s. AI agents. PCI-DSS. |
| Wompi (Bancolombia) | Senior Full Stack | First Open Banking in Colombia (Bre-B). 13M payers, 40K merchants, $50B COP/year. |
| Cencosud ($17.4B NRF) | Developer Leader | Payments & Fraud: event-driven architecture + SAP integration. |
| SKY Airline | Sr. Engineer & Tech Lead | Mobile sales ecosystem (Kotlin, Swift, RN) for +13.8M passengers/year. |
| Falabella ($14.7B) | Mid. Backend Developer | High-concurrency payment microservices. Kafka, RabbitMQ, Circuit Breaker. |
| Acid Labs | Sr. Engineer → Tech Lead | 3 years: Retail, Banking & Aviation (~$32B combined revenue). |
- hfo — Fullscreen TUI and headless CLI for Hugging Face GGUF models on Ollama
- zefer — End-to-end encrypted, zero-knowledge tool that runs entirely in your browser
- bcv-exchange-rate — Node.js library for BCV Venezuela and TRM Colombia exchange rates
- ai-sync-cli — Universal sync tool for AI coding agents and IDEs
- web-aprs-passcode — APRS-IS callsign passcode generator for Ham Radio operators
Languages
Frameworks & runtimes
Cloud, DevOps & messaging
Databases
AI & Automation
- 🏦 Inicialización de pagos: El nuevo reto de Bre-B en Colombia — May 2026
- 💥 El día que borré una base de datos sin backup — May 2026
- 🤔 ¿Programador o desarrollador de software? — May 2026
- 💸 Recibe dinero desde Europa fácil, rápido y SIN COSTO (Guía Facebank) — May 2026
→ Ver todos los artículos en Substack
