Capabilities Experience Projects AI Contact
Startup Systems Engineer

MoutiaBenachour

I build startup systems that handle real money.

I ship AI-assisted products with proof, control, and fallback logic.

I architect the financial layer founders can actually audit.

I turn ambiguous requirements into shipped, maintainable systems.

Full-stack engineer specializing in AI-assisted products, transactional correctness, financial infrastructure, and startup architecture. I build systems that move real money, preserve state under failure, survive scaling pressure, and stay maintainable under startup velocity.

9+ Years
7 Platforms built
Remote Worldwide
10+ Industries

TOP 3% TALENT

Vetted by Hire me
Independent proof

Screened. Vetted. Top 3%.

Toptal accepts fewer than 3% of applicants. Available for consulting engagements, technical advisory work, and high-ownership startup engineering through Toptal or directly.

Available for work

Open to roles worth doing.

Consulting, advisory, and high-ownership engineering. Especially where the system needs to be correct, not just functional — AI products, fintech, SaaS, and startups approaching their next inflection point. Remote worldwide.

0 → 1 Build It Idea to working product
1 → 10 Stabilize It Reliability under load
10 → 100 Scale It Architecture for growth
Legacy Modernize It Pragmatic evolution
What I bring

Domain
Capabilities

Not a list of technologies. Six capability areas that map directly to the problems startups face when they grow past their first system.

Financial Infrastructure

Double-entry ledgers, wallet systems, cent-accurate reconciliation, idempotent payment workflows. I build the financial layer that product teams can reason about, operators can audit, and founders can sleep through.

Double-entryStripePlaidReconciliationBNPLLedgers
Transactional Systems

Idempotent workflows, retry pipelines, event-sourced state, queue-based processing, and deterministic state transitions. Systems that stay correct when webhooks retry, jobs fail twice, and three requests land at once.

BullMQIdempotencyEvent-drivenRedisWebhooks
Startup Architecture

Monorepo structure, API-first design, shared packages, deployment pipelines, auth, admin dashboards, and product workflows. Architecture that lets two engineers move at the pace of ten — without accumulating the debt that kills momentum at Series A.

MonorepoOpenAPIFastifyPostgreSQLDocker
Platform Modernization

Legacy system evolution without risky rewrites. I stabilize what exists, surgically upgrade what matters, and replace only what cannot scale — without a rewrite that freezes the roadmap for six months.

RefactoringMigrationAWSCI/CDObservability
Data & Automation

Scraping pipelines, batch processing, ETL workflows, report generation, and long-running workers. Reliable data infrastructure that handles job failures gracefully, resumes where it left off, and doesn't wake you up at 3am when volume spikes.

Web scrapingETLBullMQCronCSV/Reports
AI-Assisted Products

Structured context systems, browser capture, embeddings pipelines, semantic clustering, and LLM-assisted workflows with deterministic fallbacks. AI that ships as product — with validation, deterministic fallbacks, and the operational discipline you'd apply to a payment workflow.

Experience VaultEmbeddingsOpenAIClusteringClaude Code
Career history

Experience by
Stage

Each role mapped to the startup lifecycle phase it represents — because the challenges of 0→1 are completely different from 10→100.

0 → 1 · Founder product
Motiavated
Founder · Sole Full-stack Engineer
Private betaRemoteAI · Job Application Workspace
AI Productivity
What I built & why it matters
Built a private-beta job-application workspace that captures opportunities, maintains a structured Experience Vault, and generates evidence-backed application answers and resume JSON outputs without auto-applying.
Shipped browser-extension capture, server-side job parsing, Vault-grounded answer generation, onboarding, Google login, credit tracking, admin dashboards, public landing pages, and self-hosted infrastructure.
In private beta: 4 users, 80 captured opportunities, 235 generated application answers, and 10 Reactive Resume-compatible JSON outputs — all without auto-applying.
Designed the product around manual review and human control — better apply, not auto-apply — with a planned PDF path using self-hosted Reactive Resume, service-account proxy downloads, and later OIDC user accounts.
TypeScriptNode.jsReactPostgreSQLDrizzle ORMSupabase AuthGoogle OAuthBrowser ExtensionDocker ComposeTanStack QueryReact RouterTailwind
0 → 1 · Build from scratch
Stealth Trading Platform
Sole Architect · Full-stack Developer
2026 – PresentRemoteFintech · Trading
Trading Platform
What I built & why it matters
Architected a Yarn 4 monorepo with shared packages for auth, UI, security, and observability — giving a small team the structure of a larger engineering org.
Designed and built double-entry ledger and wallet systems with deposits, withdrawals, reserved balances, fees, and reconciliation-safe accounting — the financial backbone the platform runs on.
Implemented Stripe deposits, Plaid withdrawals, trading, IPO precommitment, NAV, and membership billing — complex financial workflows that require correctness, not just functionality.
Established AGENTS.md and repo-level AI documentation — making Claude Code more reliable with deterministic, auditable development behavior.
TypeScriptFastifyNode.jsReact 19VitePostgreSQLRedisBullMQStripePlaidZodOpenAPIYarn 4Render
0 → 1 · Full platform from zero
BKSolutions Inc.
Full-stack Developer · via Toptal
2025 – 2026RemoteFintech · BNPL
BNPL Platform
What I built & why it matters
Architected a complete BNPL platform — backend, cross-platform mobile app, admin CRM, and marketing site — from zero in a monorepo.
Designed the full lending lifecycle — investor funding, plan creation, virtual card issuance via Stripe Issuing, installment scheduling, delinquency, recovery, and expiry — all auditable and cent-accurate.
Built immutable investor and platform ledgers with wallet accounting, repayment distribution, loan assignment/release, and profit-share calculations.
Implemented idempotent webhook ingestion and auditable workflow routing — making the system safe to retry under failure conditions.
TypeScriptFastifyReact NativeSolitoTamaguiPostgreSQLRedisBullMQStripe IssuingDockerZodVitestTestcontainers
0 → 1 · Co-founder
Dromigo
Senior Engineer · Co-Founder
2018 – 2020RemoteLogistics · Marketplace
Logistics Marketplace
What I built & why it matters
Co-founded the company and shaped product vision and technical execution from ideation through shutdown.
Built a GIS-based freight matching engine — geospatial search connecting carriers and shippers across a two-sided logistics marketplace.
Shipped a Flutter mobile app with real-time driver tracking and Stripe Connect marketplace payments.
Node.jsFlutterPostgreSQLPostGISRedisWebSocketStripe ConnectNuxt.jsDockerAWS
1 → 10 · AI-powered analytics product
BenchCommerce
Full-stack Developer · AI Systems
Project-basedRemoteE-commerce Analytics · AI
E-commerce AI
What I built & why it matters
Built an embeddings pipeline that vectorizes Shopify and Etsy product catalogs, stores vectors in PostgreSQL, and clusters products into semantic niches using cosine similarity.
Integrated an LLM naming layer with strict output validation and deterministic fallback — making AI-generated taxonomy stable and safe for business users to rely on.
Designed the system around explainability and stability, combining semantic clustering with deterministic fallback logic.
TypeScriptNode.jsPostgreSQLOpenAI EmbeddingsCosine SimilarityLLM IntegrationDrizzle ORMReactVite
10 → 100 · Scaling under load
PowerMarket
Senior Full-stack Developer
2022 – 2023Remote · UKRenewable Energy
Energy Platform
What I built & why it matters
Upgraded deprecated Elastic Beanstalk infrastructure and modernized legacy packages — stabilizing a platform under scaling pressure without a risky full rewrite.
Optimized large-marker map performance using server-side and client-side caching with dynamic grouping by zoom level — solving a UX problem that had been blocking adoption.
Migrated mapping from Mapbox to Google Maps under deadline and improved scalability using queue-based workflows — two high-risk deliveries shipped on time.
AWSElastic BeanstalkElastiCacheS3SESGoogle MapsHighchartsRedisQueues
Modernize · Legacy evolution
Scraping & Modernization
Web Scraping Engineer · Platform Modernization
2026RemoteData · Legal Software
Data Pipeline
What I built & why it matters
Built resilient state-specific license scrapers with batching, retry/recovery, resume support, duplicate detection, and failure classification — turning fragile scripts into a reliable pipeline.
Modernized auth, team management, admin/editor roles, security settings, CI, Docker, and test workflows incrementally without breaking production.
PHPMySQLDuskBrowserlessDockerGitHub ActionsWeb ScrapingCI/CD
Consulting · All stages
Toptal
Software Consultant · Top 3%
2022 – PresentRemote · WorldwideMultiple industries
Platform Consulting
What this means
Vetted in the top 3% of engineers on Toptal — a rigorous screening process covering technical depth, communication, and delivery reliability.
Delivered complete products across fintech, energy, logistics, AI productivity, and e-commerce — working directly with founders, CTOs, and product owners across ambiguous, fast-moving environments.
Node.jsTypeScriptReactPostgreSQLStripeAWSDocker
Selected work

Past Projects

01 / 04
Logistics · Marketplace
Dromigo

Two-sided logistics marketplace with GIS freight matching, real-time driver tracking, and Stripe marketplace payments. Co-founded and shipped from zero.

Node.jsFlutterPostGISStripeWebSocket
02 / 04
Fintech · Virtual Cards
Rassidi

Fintech PWA for virtual payment cards in local currency, with real-time inventory, push notifications, API-driven workflows, and a mobile-first experience.

Nuxt.jsPWAAPIOneSignal
03 / 04
B2B SaaS · CRM
Adgon Expert

Full CRM for expert geometers with a public-facing professional search engine, subscription billing, and tender/news feeds per plan tier.

Nuxt.jsMySQLCRMSubscriptions
04 / 04
Healthcare · Scheduling
Medic Dz

Real-time medical appointment management for patients and providers, with live availability, push notifications, and mobile packaging for iOS and Android.

VueWebSocketPWACordova
Foundations

Engineering roots systems thinking.

Before building production software systems, I trained in electrical engineering, industrial informatics, automation, control systems, and applied machine learning.

2012 — 2015

B.Sc. in Electrical Engineering and Industrial Informatics

Superior National School of Technology, Algiers

  • Graduated with honors
  • Valedictorian / Major de Promotion
  • Highest GPA in the B.Sc. program
2015 — 2016

Additional studies in Automation and System Control

University of Science and Technology, Algiers

  • Completed 60/120 credits
  • Studied AI and machine learning applications in automation and system control
AI systems

AI in
Production

AI features earn their place in production when they are reliable, observable, and designed with fallbacks. That's not a principle — it's a constraint I design from.

01
Capture real context
Experience Vault · jobs · product catalogs
02
Structure the source data
Proof points · parsed jobs · normalized records
03
Store reusable state
PostgreSQL · vectors · resume JSON
04
Score and organize
Matching · clustering · confidence
05
Generate with guardrails
LLM output · validation · deterministic fallback
What I'm strong at today
  • Structured context systems that preserve real experience over transient chat prompts
  • Human-controlled AI workflows for application answers and resume generation
  • Embeddings pipelines with batching, retry, and storage
  • Semantic clustering and vector similarity workflows
  • LLM-assisted product features with output validation
  • Deterministic fallback design for AI instability
  • AI-assisted engineering via Claude Code and AGENTS.md
Actively deepening
  • Agentic patterns and multi-step agent orchestration
  • RAG pipelines with retrieval quality evaluation
  • Production observability for LLM-powered features

“I treat AI features as production systems, not demos — with the same validation, fallbacks, and operational discipline I apply to financial workflows.”

Available for work

Let's buildsomething.

Open to consulting, technical advisory, and high-ownership engineering — especially where correctness, auditability, and AI discipline actually matter. Remote worldwide.