XP Investimentos
Software Engineer, Core Pix and Transactions
May 2025 - Present
Building fintech products and internal tooling with a focus on reliability, payment flows, and operational efficiency.
I am Marina Haru Marcoulakis, a software engineer currently at XP Investimentos with experience across Amazon, freelance product delivery, mobile development, cloud systems, and applied AI research.
4+
years building products
850M+
records handled in large-scale data migration work
30%
manual work reduced with internal improvements
250k+
music data points used in published AI research
About
My work sits between product thinking and systems execution. I enjoy shipping interfaces that feel clear, but I am equally comfortable designing APIs, data flows, cloud infrastructure, and internal tooling.
Alongside production software, I also explore AI and cybersecurity through academic and educational projects, which keeps my engineering perspective broad and hands-on.
Experience
This section highlights recent work experience, showcasing the impact and scope of my engineering contributions across different roles.
XP Investimentos
May 2025 - Present
Building fintech products and internal tooling with a focus on reliability, payment flows, and operational efficiency.
Amazon
May 2024 - May 2025
Worked on large-scale financial services systems, combining product delivery with platform and cloud improvements.
Freelance
January 2022 - April 2024
Delivered mobile and web products end to end, from design and API integration to launch and maintenance.
Projects
This section highlights a few key projects that demonstrate the depth and impact of my work contributions.
Fintech delivery
Back-end SWE
Introduced PIX Automatico and PIX Agendado flows while helping modernize critical services and internal monitoring.
Improved payment usability, cut operational effort, and supported 99.9% uptime during service migrations.
Platform engineering
Back-end SDE
Designed and integrated an internal system that automated fiscal-data request handling for clients in Amazon's fintech expansion work.
Reduced team effort, improved service health, and supported scalable AWS-based delivery.
AI research
Researcher
Published academic work applying machine learning to song-hit prediction using a dataset of more than 25,000 music data points.
Reached roughly 70% predictive accuracy while combining data collection, modeling, and analysis.
Product engineering
Full-stack developer
Built mobile products end to end with React Native, REST APIs, and database design across both SQL and NoSQL stacks.
Delivered apps with 25% performance gains, 30% lower load times, and up to 40% faster queries.
Skills
Education
Bachelor of Computer Science
Universidade Presbiteriana Mackenzie ยท 2023 - in progress
Honorable mention in OBI 2023 and the XXVIII SBC Programming Marathon state finals, plus teaching assistant roles in circuits and programming.
Digital Game Programming Technician
Etec Jornalista Roberto Marinho ยท 2020 - 2022
Top performance in CUCo 2020, React workshop delivery, and honorable mentions in OBMEP 2021 and 2022.
Contact
I am especially interested in backend, fintech, cloud, platform, and product-focused software engineering work where reliability, scale, and thoughtful execution matter.
contato.marcoulakis@gmail.com
For full-time roles, projects, consulting, and technical conversations.