01 — Profile

2026

Tyler
Caldwell

Software developer at KOHO. I work on core banking, payments, and AI developer tooling.

Based
Salem, Massachusetts
Focus
Core banking · Payments · AI tooling

02

About

I'm a senior staff engineer and architect with more than a decade of experience building web systems in fintech and e-commerce. At KOHO I lead technical strategy for AI developer tooling, core banking, and payments resilience.

I take new systems from 0 to 1, with clear boundaries and predictable delivery. A sizable part of my work is developer tooling and infrastructure, increasingly AI. Recently that's meant an AI coding toolset that increased throughput across the org, a $500K/yr AI cost optimization, the company's first realtime inference model (a fraud service that went from $1.5M a year to $26K), a new core banking platform integration, and card authorizations that got six times faster.

Before fintech, I spent seven years at Wayfair, from entry-level engineer to staff-level lead — building an SEO platform that powered an $800M marketing funnel and mentoring engineers into tech leads and managers. I'm based in Salem, Massachusetts, and email is the best way to reach me.

03

Work

KOHO

2023 – present

Senior Staff Developer

  • AI developer enablement. Designed and deployed an enterprise-wide AI coding toolset: 2–3× weekly PR throughput per developer (4–5 to 12.5/week) and 97% developer satisfaction.
  • AI cost optimization. Cut $500K/yr in recurring cloud inference costs through model routing, caching, and configuration tuning — about 30 bps of gross margin, with no user-facing degradation.
  • Cost efficiency. Led the migration of a critical realtime fraud detection service (the company's first realtime inference model) from a legacy vendor product ($1.5M/yr) to a custom Sagemaker solution ($26K/yr) — a 98% cost reduction.
  • Payments stability. Improved p99 card authorization latency from 250ms to 40ms, cut stale balance fallbacks by 94%, and implemented multi-region failover.
  • Core banking. Led integration with a new core banking platform, enabled deposit account migration, and launched a Pay Later product that reached 10% of active users.
  • Platform & governance. Drove SLO coverage from zero to 100+ into a steady state of zero breaches.

Wayfair

2016 – 2023 (SWE I → Staff)

Staff Software Engineer

  • Architected and delivered the SEO platform for the core shopping funnel, powering an $800M marketing funnel and improving organic search ranking and clickthrough rate.
  • Led a team of 10+ engineers and mentored individual contributors into tech leads and managers.
  • Applied domain-driven design to decompose legacy systems into scalable microservices using streaming, REST, GraphQL, CQRS, and event sourcing.
  • Boston University — MS, Software Development · 2017–2019
  • UMass Amherst — BA Computer Science, BA Economics · 2012–2016
  • AWS certified: Solutions Architect, Developer, Data Engineer, ML Engineer, SysOps, Security — Specialty
  • KOHO Company Values Award — Craft

04

Writing

04.1 Enhancing Availability with Service Criticality Levels KOHO Tech Blog · Feb 2025 04.2 What Does an Architect Do? Wayfair Tech Blog · Feb 2021

05

Speaking

05.1 How KOHO governs banking AI agents with Amazon Bedrock AgentCore AWS re:Invent 2026 · SUP303 · Dec 3, 2026 05.2 Guest on NerdOut@Spotify Upcoming Spotify Engineering · 2026

06

Contact

Email is the best way to reach me.

LinkedIn GitHub Resume (PDF)