Beem

Identity Management, Payment Orchestration, KYC, Tokenization, Passkeys
Website
Beem

Mobile Peer-to-Peer Payment Platform Link to heading

Commercial Project Overview Link to heading

As a senior developer at Beem, I contributed to building Australia’s leading free mobile payment platform, serving over 3 million users with zero merchant or transaction fees. My primary focus centered on identity management, payment orchestration, and advanced security implementations.

Platform Capabilities Link to heading

Core Payment Features Link to heading

  • Instant peer-to-peer payments between users across different banks
  • Group bill splitting with automated tracking and reminders
  • Digital wallet supporting multiple payment methods and loyalty cards
  • BPAY integration for bill payments
  • Cashback rewards from participating merchants
  • Cross-bank transfers with real-time processing

User Experience Link to heading

  • Social payments with personalised messages, GIFs, and stickers
  • Automated group payment management eliminating IOUs
  • Multi-bank account support in a single interface
  • Reward point maximisation across different programs

Technical Contributions Link to heading

Identity Management & KYC Link to heading

  • User onboarding flows with comprehensive identity verification
  • KYC (Know Your Customer) compliance meeting AUSTRAC and APRA regulations
  • Multi-factor authentication systems for secure account access
  • Identity document verification using automated processing aligned with industry codes of conduct
  • Risk assessment algorithms for transaction monitoring and AML compliance

Payment Orchestration Link to heading

  • Multi-payment provider integration for redundancy and optimisation
  • Transaction routing logic based on cost, reliability, and speed
  • Payment method tokenization for secure card storage
  • Real-time fraud monitoring with machine learning detection
  • Payment status tracking across multiple systems

Advanced Security Implementation Link to heading

  • Scheme tokenization (Visa/Mastercard) for card data protection
  • Passkey integration for passwordless authentication
  • Payment instrument protection using biometric verification
  • End-to-end encryption for all sensitive data transmission
  • PCI DSS compliance for payment card data handling
  • AUSTRAC compliance for anti-money laundering and counter-terrorism financing
  • APRA regulatory standards adherence for prudential requirements

Business Impact Link to heading

Market Position Link to heading

  • 3+ million active users across Australia
  • Zero transaction fees for consumers and merchants
  • Backed by Australian Payments Plus (AP+) ensuring regulatory compliance
  • Cross-bank compatibility supporting all major Australian financial institutions

Innovation Leadership Link to heading

  • First mover in fee-free P2P payments in Australia
  • Social payment experience pioneering gamified money transfers
  • Advanced tokenization implementation ahead of industry standards
  • Passwordless authentication early adoption for financial services

Technical Architecture Link to heading

Security-First Design Link to heading

  • Multi-layered security approach protecting user data and funds
  • Real-time fraud detection using behavioral analytics
  • Encrypted data storage with secure key management
  • Biometric authentication integration for iOS and Android
  • Zero-knowledge architecture for sensitive information

Payment Infrastructure Link to heading

  • High-availability systems ensuring 99.9%+ uptime
  • Microservices architecture for scalable payment processing
  • API-first design enabling rapid feature development
  • Cloud-native deployment with auto-scaling capabilities
  • Real-time processing for instant payment confirmation

Professional Development Focus Link to heading

My work at Beem concentrated on the most critical aspects of financial technology:

  • Identity verification systems ensuring regulatory compliance while maintaining user experience
  • Payment security architecture implementing cutting-edge tokenization and authentication
  • Cross-platform integration connecting diverse payment networks seamlessly
  • Fraud prevention systems protecting users while minimising false positives

This role provided extensive experience in Australian financial regulations (AUSTRAC, APRA), PCI DSS compliance, industry codes of conduct, and large-scale consumer financial applications serving millions of users daily.