Mike Hom

Roadblock Title:

Designing a Reconciliation Layer for Payment Systems

Time:

Tuesday - 11:30 AM (Windows)

Abstract:

Most payment integrations stop at “payment succeeded” but finance, audit, and operations need verifiable truth. This session shows how to build a reconciliation layer on top of payment and reporting APIs that doesn’t just match numbers. It catches what breaks them.

We’ll walk through a live build: correlating authorizations, captures, settlements, and fees into a single explainable payment narrative. Then we’ll break it. We’ll expose the failure scenarios that silently corrupt your books and show exactly how a reconciliation layer catches, flags, and explains them.

The takeaway isn’t the provider. It’s the architecture. A data contract checklist and evidence bundle template you can map to your own stack.

In payments, trust is not a slogan. It is an architectural decision.

Bio:

Mike Hom is an Executive Director in J.P. Morgan Payments Digital & Design group, partnering with clients across the Commercial and Investment Bank. He leads a global team of Digital Solution Specialists who collaborate with solution architects and developers to deliver deep technical expertise and strategic advisory on complex, end-to-end payments integrations. With more than 24 years of experience at the intersection of banking and technology, Mike helps clients translate business objectives into scalable, secure solutions. He holds both a Master of Science and a Bachelor of Arts in Computer Science from New York University.