Michael Luo, Engineering Manager
Engineering Manager, NAB
Banking, Media, Legaltech, Payments
Writing on AI-assisted delivery and the seam between human judgment and agentic systems.
Recent essays
All 13 essaysFrom AI Learning to Product Strategy: Building Your Personal AI Product LabMay 15, 202618 min
The Shift to Agentic Engineering: How AI Is Rewriting the Software Development LifecycleMay 15, 202613 min
The AI Production Playbook: How to Build LLM Systems That Are Secure, Reliable, Fast, and ScalableMay 15, 202613 min
Selected work
All projectsDigital Payments Hub: PayID & FX at NAB2025
Leading engineering for NAB's Digital Payments Hub, shaping customer-facing PayID management and FX deal/payment capabilities across digital banking channels.
Risk Platform Remediation Program at NAB2025
Led technical delivery and architecture direction for a regulated banking risk-remediation program, balancing service stability, governance requirements, and platform modernisation across a broad service estate.
For correspondence
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