Darya Koko, also known as Darya Kokovikhina, is an award-winning Senior Staff Software Engineer with over 10 years of experience designing and evolving secure, scalable distributed systems across banking, fintech, and healthcare. Recognised with the Best Secure Coder Award at the NZ Women in Security Awards 2023, she brings a rare combination of deep payments domain expertise, platform engineering leadership, and a secure-by-design philosophy to every system she builds.
As a senior technical leader, Darya has driven large-scale modernisation programmes at institutions including Kiwibank, architecting cloud-native payment systems within PCI-regulated environments while enabling engineering teams to deliver faster, safer, and with confidence. Her expertise spans the full stack of secure delivery — from EFTPOS transaction flows, 3D Secure, and HSM-backed cryptography, to zero-trust API design, threat modelling, and secure SDLC practices.
She is a published author, having contributed to the NZ DEFSEC Security Magazine and the Women in Security Magazine, sharing insights on the future of women in cybersecurity and technology. At the frontier of the next engineering era, Darya is actively applying AI and multi-agent orchestration to improve developer workflows — with a governance-first approach to responsible production adoption.
Designing and prototyping AI-assisted software engineering workflows, exploring multi-agent orchestration to support structured SDLC processes across analysis, design, development, and testing.
Led design and delivery of key components within Kiwibank's digital payments modernisation programme, contributing to secure, scalable payment systems in a highly regulated PCI environment across multiple squads.
Senior technical leader driving secure distributed architecture and identity solutions across mission-critical, compliance-sensitive healthcare platforms over 4+ years.
Engineer within a high-volume, PCI-regulated payments environment delivering secure payment flows and architectural improvements across cards and EFTPOS systems.
Full-stack development on high-volume ticketing and payment platforms. Delivered scaling improvements, Azure cloud deployments, and modernised legacy components for major events including Armageddon and Visa Wellington on a Plate.
Full-stack development of 24/7 e-commerce platforms, secure online banking payment integrations, and internal HR systems. Contributed to requirement gathering and mentored new team members.
Developed a new Pension & Insurance portal in collaboration with teams in Sweden and Malaysia, delivering to European banking standards in a multinational Agile environment.