AI Engineering

Raphael Bohrer

Senior Software Engineer, AI Builder, Payments

I've been building software for 18+ years — lately, payment systems that move real money. At EBANX I lead, end to end, the Interchange++ infrastructure (Visa, Mastercard) for global merchants such as Google, Netflix, TikTok, Booking, Airbnb and Temu, working AI-first with Devin and Claude Code.

View projects

Years in engineering: 18+
International projects: 3
Way of working: AI-firstAgentic factories

Portrait of Raphael Bohrer, Senior Software Engineer, wearing a navy shirt — Porto Alegre, RS — Brazil

↓

01 — About

A payments engineer who ships with agents.

Portrait of Raphael Bohrer in a navy sweater in front of a flower painting — 01 / Portrait

I'm a Senior Software Engineer focused on AI engineering: I work daily with agents like Devin and Claude Code, driven by specs (Spec-Driven Development), harnesses and evals — shipping faster without compromising architecture.

My foundation is the payments ecosystem: financial flows, order management, payouts, fee calculation, receivables and integrations with acquirers, e-commerce platforms and payment providers such as Rede and Cielo.

Download résuméPreparing PDF…Download startedPDF · English · 2026

Name: Raphael Bohrer
Location: Porto Alegre, RS — Brazil
Experience: 18+ years in software engineering · 8 years in payments
E-mail: raphaelhbohrer@gmail.com
Titles: AI Engineering
Senior Software Engineer
AI Engineer
AI Builder
Keywords: Agent harness
Claude Code
Devin AI
Spec-Driven Development (SDD)
Solutions architecture
Evals
JEV
MCP
Spec Kit
Agentic factories
Agent orchestration
Loop Engineering

02 / With the team

Raphael Bohrer wearing sunglasses in a car selfie — 03 / Consulting

My journey at EBANX — one of the pioneers of AI engineering with Devin — put me on the front line of building with agents. For the past 8 months we've worked in a cutting-edge AI-first model, with training from Cognition and Claude Code mentoring from Objective's specialists. Along the way, I had the opportunity to take the international Claude Certified Architect – Foundations (CCA-F) certification.

Talking with colleagues, former colleagues and friends, I noticed that many companies — and many tech professionals — still aren't ready to capture the performance and quality gains of agentic factories: putting AI to work end to end, or wherever it adds the most value.

That's why I'm making this experience available as consulting: an initial engagement of R$ 10,000 (BRL) for a diagnosis and a roadmap of AI best practices, built on the know-how from my last year of hands-on work.

Explore the consultingDiagnosis · R$ 10,000 (BRL)

02 — Skills

From agent to ledger: battle-tested in production.

The tools I use to take a spec all the way to deploy — and keep real money flowing correctly.

AI Engineering

Claude Certified Architect – Foundations (CCA-F)
Claude Code
Devin AI
Agent harness
MCP
Evals
Loop Engineering

Agents & Specs

Agentic factories
Agent orchestration
Spec-Driven Development
Spec Kit
JEV

Languages & Frameworks

PHP
Laravel
Python
Django
Flask
PHPUnit
Pest

Architecture

Hexagonal architecture
Distributed systems design
Microservices
Event-driven architecture (EDA)
Domain-Driven Design (DDD)
Scalability
High availability
Billing Engine
Data architecture

Data & Cloud

MySQL
Redis
MongoDB
AWS
Redshift
OpenSearch
ELK Stack
Reconciliation

Payments

Interchange++
Cost-Plus
Provider fees
Cash out (payouts)
Settlement
Interest
CERC
Adyen · Rede · Cielo
Stripe · Mercado Pago
Pagar.me · PagSeguro · Asaas
Chargebacks · Ethoca

PHP · Python · MySQL · Devin · Claude Code · expert
Observability · ELK · proficient
Cloud · AWS · advanced
English · advanced (C1)

03 — Experience

Leading mission-critical payment systems.

06/2025 — Present

1 yr 5 mos

Senior Software Engineer · EBANX

Technical leadership on fees and pricing for global merchants, working AI-first with Devin as the primary AI tool.

Interchange++ & Cost-Plus

End-to-end leadership of the interchange fee infrastructure: a centralized catalog with a dedicated data model, from technical discovery with product to requirements, serving global clients such as Google, Netflix, TikTok, Booking, Airbnb and Temu.

Designed and architected a rule-driven Billing Engine applying multi-criteria blended fees and transparent Interchange++ models, decoupling cost recovery from real-time settlement — validated through a technical feasibility PoC.

Tax, Cost & Fees

Data architecture that imports, normalizes and serves taxes, costs and fees at global scale, with sandbox validation and reconciliation ensuring 100% accuracy before propagating to transactional and reporting systems.

Smart Onboarding

Merchant onboarding integrations — sellers and drivers — for large platforms such as TikTok and Temu.

Collaboration with the Chinese team to align KPIs, monitoring and compliance with project standards.

International document validation in an AI-driven, multi-tenant distributed service.

Interchange++
Billing Engine
Data architecture
Devin AI
Claude Code
PoC

12/2018 — 06/2025

6 yrs 7 mos

Senior Software Engineer · APPMAX

Porto Alegre, RS

Evolved and scaled an integrated platform for payment processing, order management and payouts, built on distributed microservices.

Led the payouts (cash out) system from scratch, with multi-currency conversion and financial processing (BRL and USD for cross-border accounts) and real-time exchange rates. The platform quickly scaled to an average of 30 payouts per minute during business hours.
Engineered a high-performance Financial Ledger service, designed and approved under extreme stress tests to handle 20,000 requests per second (RPS).
Advanced observability and scalability for an ecosystem that has already processed more than 110 million orders.
Led the receivables team: CERC integration for receivables registration and settlement, in full compliance with Central Bank of Brazil (BACEN) regulations.
Event-driven infrastructure with messaging (RabbitMQ, AWS SQS and SNS) for asynchronous communication between distributed microservices.
Optimized relational databases through query reviews and indexing, added caching for balance lookups and message dispatching, and used Redis for high-throughput data.
Led projects for cash advances, guarantees, fee and retention management, Ethoca (chargebacks) and Olos (telephony).
Payment method integrations with acquirers (Adyen, Rede, Cielo) and payment service providers (Pagar.me, Mundipagg).
PHP backend with Laravel, unit-tested with PHPUnit and Pest.

PHP
Laravel
Ledger
CERC
BACEN
RabbitMQ
AWS SQS
AWS SNS
Redis
Multi-currency
Observability
Microservices
Adyen · Rede · Cielo

2005 — 2020

Education

MBA class gathered with entrepreneur Flávio Augusto — MBA with Flávio Augusto

MBA class gathered with entrepreneur Carlos Wizard Martins — MBA with Carlos Wizard Martins

2018 — 2020MBA, Project ManagementFundação Getulio Vargas (FGV)

2017 — 2018MBA, Management, Entrepreneurship & MarketingPUCRS

2005 — 2009B.Sc., Information SystemsPUCRS

04 — Featured projects

Systems that move real money.

EBANX · 2026

Interchange++ & Billing Engine

A centralized interchange fee catalog and a rule-driven billing engine, bringing cost transparency in a multi-tenant system to merchants such as Google, Netflix, TikTok, Booking, Airbnb and Temu.

Interchange++
Devin AI
Cost-Plus
Architecture
AI-first
Finance
Multi-tenant

See in experience

EBANX · 2025 — 2026

Provider Fees

Data architecture that imports, normalizes and serves provider taxes, costs and fees at global scale, with sandbox validation and reconciliation ensuring 100% accuracy before reaching transactional and reporting systems.

Tax, Cost & Fees
Import
Reconciliation
Sandbox
Data architecture

EBANX · 2025

Smart Onboarding

Onboarding integrations for merchants — sellers and drivers — from large platforms such as TikTok and Temu, connecting them to the EBANX payments ecosystem.

TikTok
Temu
Integrations
Observability
Python

APPMAX · 2018 — 2025

Appmax Payouts

Payout product built end to end — from conception alongside the CEO to operating at scale — connected to advances, guarantees and receivables registration (CERC).

End to end
CERC
Advances
Laravel
Cash Out
Tax

Visit Appmax

Consulting · AI

AI engineering consulting — Spec-Driven

I help teams adopt coding agents safely: Spec-Driven Development with Spec Kit, agent harnesses, MCP and evals to measure quality.

ADVbank · Legal tech

ADVbank

A franchise system for law firms, with business intelligence that matches legal cases to the right offices.

Legal tech
Franchising
Matching
Business intelligence

Visit site

Own product · SaaS

pulsodabolsa.com.br

Tracks B3 (Brazilian stock exchange) portfolios and emails price alerts plus a 6:05 pm daily digest, with Free, Essential and Premium plans. My own product, from concept to deploy.

SaaS
Reports
n8n
Claude Code
AWS
Google
Meta

Visit site

05 — Off the clock

Full-time dad, explorer on weekends.

My favorite project is getting out with my daughter: discovering new places, having barbecues, travelling and collecting experiences together. The rest of the week: football and the gym.