Peter Murphy

• Overhauled the declined-transaction experience by persisting and classifying decline reasons in-app, substantially reducing member support contacts; serve as the cross-team authority on debit decline and fraud behavior, representing CK Engineering on banking-partner escalation calls.
• Built the infrastructure powering ~25K automated recurring and scheduled deposits daily, using Kafka and dead-letter queues to guarantee funds move even through network failures, with integrated fraud safeguards.
• Helped build debit card lifecycle automation on the banking partner's API, including member and fraud-triggered lock/unlock and an expiry-driven renewal system that suppresses reissuance for inactive members to cut unnecessary card-production costs.
• Designed and built Credit Karma Money's ATM fee system end-to-end, spanning transaction classification, fee orchestration, and cross-service notifications on a platform processing ~500K debit transactions daily, with an accompanying ATM Finder that surfaces nearby in- and out-of-network ATMs by merging Allpoint's partner network with Google Places.
• Built the fee assessment and reversal components of Instant Transfers, coordinating the flow across several services.
• Designed and built a new Disputes microservice from the ground up, owning everything from schema and data access to public APIs and async event consumers, to power the member disputes and chargebacks flow.
• Improved the Personal Loans experience by tailoring offer presentation to each member's credit profile and financial situation, and launched a "First Loan Marketplace" for first-time borrowers.
• Serve as product-engineering technical lead for Credit Karma's GenAI initiatives in Credit Cards: "See Why," which generates personalized offer-fit explanations now serving ~800K impressions weekly and expanding to higher-visibility surfaces; an Approval Odds explainability feature developed with the Data Science team; and an OpenAI integration surfacing CK-branded offers inside ChatGPT.
• Drove a 6.5% site-wide revenue-per-user lift (~$100M/yr) by building contextualized headers for the Credit Cards marketplace that inject curated member and offer facts into offer presentation, with a related recommendation-system change adding a further +1.4%.
• Continue to drive design iteration across the Credit Cards marketplaces in frequent collaboration with partners including American Express, Chase, Capital One, and other major issuers.
• Treat observability and resilience as first-class deliverables, building the dashboards, runbooks, and onboarding documentation that keep systems healthy and teams self-sufficient well beyond any single rollout or subject-matter expert.

• Mentored hackers building technical projects, on everything from general debugging to integrating partner APIs (Capital One, Google Cloud, GitHub) and deploying full-stack applications.
• Advised event organizers before and on-site on team leadership, resource management, community engagement, and incident resolution.
• Whether that meant #TakingOutTheTrash or resolving conflicts, demonstrated MLH's standard of excellence at events hosting 200 - 1,500 participants.
• Fostered an inclusive environment by engaging participants across all skill levels and backgrounds.
• Served as a North America Coach Lead, running 1:1s with fellow Coaches to strengthen MLH's internal support network through the pandemic era of fully-remote hackathons.

• Contributed forecasting features to an internal audience-targeting service, letting story and notification authors estimate a recommendation's reach before publishing, and improved the service's observability and diagnostics.

• Researched and implemented ML techniques for automated anomaly detection at the microservice orchestration layer, applying autoencoders and reinforcement learning, including policy stabilization and sequence-to-sequence encoding.
• Extended Envoy's proxy API to contribute control-plane features to the GreyMatter service mesh.

• Covered Congressional hearings and conferences, reporting on agricultural, business, and healthcare interests.
• Wrote memos synthesizing research and legislative developments relevant to clients.
• Redesigned the firm's biographical brochure in Adobe InDesign.

Philosophy, Politics, and Economics Minor