Luana Clarice

RecargaPay — Brazil’s leading fintech platform, 10M+ users, $200M+ revenue, authorized by Brazil’s Central Bank as a Direct Credit Society. • Technical Reference: Primary technical and product reference for the lending domain. Independently scoping tech epics, driving cross-team architectural decisions, and mentoring ~6 engineers (mid and senior level) including onboarding buddy for new team members. • Serasa Integration at Scale: Led end-to-end delivery of the debt settlement integration with Serasa (Brazil’s largest credit bureau, equivalent to Equifax) with zero regressions at initial rollout. • Financial Integrity: Architected a 3-layer idempotency system (Application + Temporal + Database) eliminating duplicate payments in high-volume regulated flows. • Collection Recovery: Designed event-driven communication flows via CleverTap, driving a 40% increase in collection recovery.

Multinational environmental services company operating in 130 countries, Brazilian software division. • Served as technical reference for a 5-engineer team on Sansys — a mission-critical billing platform — owning architectural decisions, code review standards, and contributing to a 30% reduction in billing cycle time, recognized among Brazil’s Top 100 IT Innovations. • Billing Engine for Global Contracts: Architected multi-tenant tax rules and billing logic supporting municipal and industrial clients across Brazil and internationally, ensuring compliance with diverse regulatory frameworks across a multinational operation. • First-of-Kind System in Brazil: Contributed to building the first fully digitized waste management billing system in Brazil, replacing entirely manual paper-based processes and enabling real-time data visibility for regulatory authorities.

Client: Ceará State Treasury Department (Sefaz-CE), one of Latin America’s most innovative fiscal administrations, whose tax compliance model was adopted as a national benchmark by other Brazilian states. • Tax Compliance at Scale: Co-architected the core monitoring infrastructure for the Contribuinte Pai d’Égua program, enabling automated compliance scoring and real-time classification for 18,000+ ICMS taxpayers. Later replicated by multiple Brazilian states as a national standard for fiscal transparency. • High-Throughput Fiscal Data Processing: Designed distributed systems to process millions of daily fiscal records (NF-e, NFC-e, CT-e), ensuring data consistency and low-latency score updates across a high-volume, zero-tolerance regulatory environment. • Technical Leadership: Served as the primary technical reference on the project, driving architectural decisions, onboarding engineers, and raising delivery quality through structured code reviews and knowledge-sharing, in an environment where system failures directly impacted state-level tax enforcement.

Client: Hapvida — one of Brazil’s largest healthcare companies, serving 15M+ beneficiaries across 87 hospitals and 205 clinics nationwide. • Seller Portal (Health Plan Enrollment): Designed and developed from scratch a web-based seller portal to digitize and automate health plan enrollment, replacing a fully manual, error-prone process and enabling faster, standardized plan contracting across Hapvida's nationwide sales network. • Exam Authorization System: Designed and built the exam authorization system, streamlining medical procedure approvals across Hapvida's network of 200+ clinics and 49 hospitals serving 16M+ patients in Brazil.

Client: Caixa Econômica Federal — Latin America’s largest government-owned bank, 146M+ accounts, R$1.8T+ in assets. • Core Banking Systems: Developed and maintained critical infrastructure — including ATM network systems and transaction processing at 120,000 TPS — in a zero-downtime, BACEN-regulated environment, while knowledge-transferring to new team members.

Brazil’s pioneering community development bank, a financial inclusion model replicated across 100+ community banks nationally. • Civic Tech from the Ground Up: Led end-to-end development of two civic platforms — a digital health research tool deployed across public health posts in Fortaleza, and a scheduling application for CUCA Jangurussu — delivered with direct community engagement and ownership from discovery to production. • Community Tech Education: Trained and mentored women and youth from underserved communities in software development — an experience that shaped a lasting approach to technical mentorship and inclusive team-building. • Financial Inclusion Platform: Built digital infrastructure supporting community credit and local economic development for one of Brazil’s most internationally recognized social finance institutions.