Ryan Guthrie
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Resume

Ryan Guthrie

Senior Software Engineer · Software Architect

Senior Software Engineer and Platform Architect with 20+ years of experience, including 11+ years in fintech. At Earnest from December 2019 to January 2024 - first on the Platform team via Wizeline, migrating a monolith to a modern microservice architecture for owned services spanning the full user lifecycle, then as a direct hire leading Growth engineering projects on AWS. Previously spent 7 years at Paybook designing and building its financial-data aggregation platform. Core strength: secure, high-throughput backend platforms - APIs, microservices, data systems, and CI/CD - that product teams build on.

Experience

Career history

Senior Software Engineer

Earnest

June 2021 – January 2024 (2 years 8 months)

United States (Remote)

  • Joined as a direct hire after 18 months on Earnest's Platform team via Wizeline (below) - 4+ years total with the company.
  • Collaborated with the Growth team and diverse stakeholders, leading multiple engineering initiatives to optimize customer experience and top-of-the-funnel conversion across organizational boundaries.
  • Architected projects from initial first-principles planning through reliable production release across cloud stacks, including AWS Lambdas, AWS Gateways, user referral tracking systems, and Next.js static/incremental generation (SSG/ISR).
  • Partnered directly with product, marketing, lifecycle, and analytics leaders to define requirements and drive engineering execution while mentoring developers and improving CI/CD workflows.

Senior Software Engineer, Platform Team (Client: Earnest)

Wizeline

December 2019 – June 2021 (1 year 7 months)

Guadalajara Area, Mexico & Remote

  • Embedded on the Platform team at Earnest, a U.S. fintech company, as a core platform backend engineer - building the shared platform services other product teams built on.
  • Major initiative: migrating Earnest from a monolithic architecture to a modern microservice architecture.
  • Owned platform services that touched every part of the user lifecycle.
  • Engineered high-throughput, secure backend microservices using Node.js, AWS, Docker, Jenkins, PostgreSQL, and GraphQL, guiding backend system design and scalability in a regulated financial-services environment.

Senior Software Architect

Paybook

January 2013 – December 2019 (7 years)

Mexico / LatAm / US

  • Joined the startup's small team and became the first engineer working on the financial data aggregation backbone that later became Paybook Sync; the platform was operational before the engineering team expanded.
  • Designed and implemented the architecture, scaling model, pipelines, cloud infrastructure, database schemas, DevOps tooling, and user-facing components.
  • Built and operated integrations across financial institutions in Mexico, Colombia, Brazil, the United States, and Europe, with tooling that helped a very small team respond quickly while minimizing user impact.

Senior Software Engineer / Architect

Independent Product Development

January 2024 – Present

Eugene, OR (Remote)

  • Designed and operate Anna (anna.gup.io), an autonomous AI assistant platform: Go/TypeScript services on Cloudflare Workers with an MCP-based tool gateway, persistent memory, and human-approval controls for autonomous actions.
  • Also built IncidentPulse (real-time incident-command platform), PRISM (zero-trust gateway for AI-agent tool calls), and Tributary (claims-and-attestations layer for git workflows).

Consultant / Programmer

ryanguthrie.com

March 2008 – April 2021 (13 years 2 months)

Eugene, OR & Remote

  • Provided freelance software architecture, custom system development, and Linux security consulting across a 13-year span.
  • Architected AWS scaling-on-demand backend APIs, executed complex database migrations (PostgreSQL, MySQL, MongoDB), and engineered custom web/mobile applications; executed Linux server provisioning, kernel hardening, and vulnerability auditing.

Programmer

New World Brands, INC

April 2008 – March 2009 (1 year)

Eugene, OR

  • Developed internal enterprise applications utilizing Perl and AJAX user interfaces to automate and monitor international VoIP networks.
  • Saved significant operational costs by creating an automated smart-recharging and dynamic routing engine for international voice traffic.

Linux System Admin

TouchSupport

October 2005 – March 2008 (2 years 6 months)

United States

  • Provided top-level Linux system administration, kernel hardening, and security auditing across web hosting server clusters.
  • Responded to critical security vulnerabilities and diagnosed complex system performance bottlenecks.