Lucy Chen
I have built software inside a bank. And I have built a product on my own.
Ten years in software. Three inside a licensed bank. One product, zero to paying users, alone.
Open to Forward Deployed Engineer roles in Dublin, Amsterdam, Tallinn or EU remote. Available in 4 weeks.
If you are hiring
Taiwanese national, Critical Skills permit route (CSEP), available in 4 weeks, open to customer travel & on-site.
If you are not technical
Shipped a production SaaS alone on iOS, Android & web. Led 9 engineers and 5 vendors inside a licensed digital bank.
If you are an engineer
Three payment rails normalised into one entitlement schema, where conflicts resolve to the highest tier, not last write.
Inside a licensed bank
- 2015Smart CatchCity parking payments
- 2016Wistron ITSOn site at Foxconn
- 2020ShengsenOn site at Far Eastern Bank
- 2021–2024Rakuten BankRakuten Group · first digital bank in Taiwan
- KYC CDD/EDD re-verificationwith IBM, accepted into production
- Mobile ID device bindingreused in 4 transfer modules
- PwC security audit15 findings closed
- Quarterly delivery 2022–2024100% on time
Selected work
Course Kit
A session-tracking app for freelance coaches, tutors, and yoga teachers.
- Both sides confirm — same record on both ends
- Students check the count themselves — fewer “how many left?” messages
- Paper, chat threads, and spreadsheets — all gone
Vibe Code Home
A collaborative ecosystem that turns ideas into products, for side-project builders and budget-conscious creators.
- Code is a skill. The ecosystem turns it into assets
- Makers share what actually worked, so the next one skips the guesswork
- Course Kit is the first product built and proven on it
Agent engineering
The rules my agents work under, and the system that let one person ship the rest of this page.
- A written doctrine, not a prompt I retype every time
- A routing ladder with a ceiling, so a stuck task escalates instead of looping
- Hooks the model does not get a vote on
- Doctrine617 lines
- Memory docs136
- Attempt ceiling5
Delivering into a licensed bank
KYC re-verification with IBM, Mobile ID device binding, PwC findings closed.
- KYC CDD/EDDaccepted
- Mobile ID4 modules
- PwC findings15 closed
Now, August 2026
Course Kit personal plan, mid September 2026.
Frontend engineering at FintechLife in Taipei.
Open to Forward Deployed Engineer roles in Dublin, Amsterdam and Tallinn.