Mike Hom

Roadblock Title:

Designing a Reconciliation Layer for Payment Systems

Time:

Tuesday - 11:30 AM (Windows)

Abstract:

Most payment integrations stop at “success,” but finance and audit require verifiable truth. This talk demonstrates how to transform APIs into reconciled, explainable payment histories through a practical architecture that decouples the reconciliation plane from processing. We’ll cover lifecycle tracking using webhooks and correlation IDs to tie captures, fees, and disputes into a single narrative, alongside schema patterns that normalize provider differences. You’ll learn strategies for handling out-of-order events and the SLIs that actually matter—like settlement completeness and webhook timeliness. Forget vendor pitches; you’ll leave with reproducible patterns, a data contract checklist, and an evidence bundle template. In payments, trust is an architectural decision, not a slogan.

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.