AI/ML Engineer
US FinTech client
Production ML risk models for financial decision-making. RAG systems processing 10K+ daily queries at 95% accuracy.
00 Fintech · SOC 2 · PCI-DSS
Fintech app developmentby engineers who understand ledgers— not just databases.
Custom fintech software for US payment companies, neobanks, lending platforms, wealth management startups, and embedded finance providers — delivered through dedicated teams that build compliance into the product.
01 · What we build
Custom fintech software for US financial platforms.
- Payment platforms
Payment processors, merchant tools, payment gateways, payment orchestration.
- Banking and neobank infrastructure
Core banking systems, account management, KYC/AML pipelines, card issuance.
- Lending and credit
Underwriting models, credit scoring, loan origination, servicing platforms.
- Wealth and investing
Portfolio management, robo-advisors, brokerage infrastructure, market data systems.
- Fraud and risk
Real-time fraud detection, anomaly detection, transaction monitoring, regulatory reporting.
- Embedded finance
APIs for non-financial companies adding financial features to their products.
This is not generic SaaS. It's financial software where every architectural decision intersects with regulation.
02 · Three brutal constraints
Fintech sits at the intersection of regulation, real money, and integration sprawl.
Regulatory weight. SOC 2, PCI-DSS, GLBA, state-level banking regulations, and securities regulations depending on your business. Each has specific technical requirements. None is optional.
Real money at risk. Bugs in fintech aren't UX problems — they're financial losses, regulatory fines, and reputational damage. Engineers must understand idempotency, double-spend prevention, ledger consistency, and transaction integrity at a deep level.
Integration sprawl. Banking APIs, payment rails (ACH, wire, RTP, FedNow), KYC providers, fraud platforms, accounting systems, regulatory reporting systems. A typical fintech application integrates with 15+ external services, each with its own quirks and failure modes.
Generic engineers don't price this complexity in. By the time they discover it, your security questionnaire from the enterprise prospect arrived 4 months ago and the deal is gone.
03 · Active engagements
Engineers shipping production code in regulated US fintech.
Senior Backend Engineer
Multiple FinTech clients
Microservices ZTNA with Django, FastAPI, Go, Kafka. Test coverage from 20% to 80%. Production payment systems.
Principal Backend Architect
US FinTech (SaaS scaling)
Clean Architecture in NestJS for SaaS scaling MVP to Series B. Database optimization, full DevOps ownership, ledger-aware backends.
Senior Full Stack Engineer
US banking platform
Core banking systems with regulatory compliance built in. Engineers with direct experience in banking APIs, payment processing, fraud detection, and high-security environments.
Engineers with direct experience in banking APIs, payment processing, fraud detection, and high-security environments · See the full roster →
04 · Compliance posture
Built for the 200-question vendor risk assessment.
Fintech vendors must answer questions other vendors don't — SOC 2 controls, PCI-DSS scope, PII handling, incident response, secure development lifecycle. Our compliance posture:
- Every engineer signs comprehensive NDAs before any engagement
- SOC 2 audit-ready processes — access controls, change management, monitoring
- ISO 27001 audit-ready operational practices
- PCI-DSS aware development — engineers vetted on tokenization, key management, secure data flows
- Engineers experienced with KYC/AML data handling, GLBA compliance, and state banking regulations
- DMARC-verified communications, encrypted at rest and in transit
When your enterprise prospect's security team sends the 200-question vendor risk assessment, we have specific answers — not deflections.
05 · Our development model
Dedicated engineering teams, embedded in your team. Not project handoff. Not freelance marketplaces.
The reasons matter for fintech specifically:
- Codebase continuity — fintech evolves through regulatory changes, audit cycles, and product expansion. Engineers who stay accumulate critical context.
- Compliance defensibility — auditors want to see consistent engineering practices, not rotating contractor signatures.
- Security posture — dedicated engineers work within your access controls, not on independent infrastructure.
- Long-term partnership — financial software is a 5–10 year commitment, not a sprint.
Typical engagement: 2–6 dedicated engineers (full-stack, DevOps, AI/ML, security), embedded for 12+ months.
Looking for embedded engineers instead? See our FinTech engineering teams page →
06 · Pricing
Published, all-in monthly rates.
Mid-Level
$2,750/mo
Feature development
Senior
$3,500/mo
Architecture, integrations
Staff
$5,000/mo
Multi-team coordination
Principal
$6,250/mo
Platform-level, audit leadership
All-in pricing — salary, HR, payroll, equipment, workspace, retention. Full rate card →
For comparison: US-based fintech engineers cost $200,000–$350,000/yr. Specialty fintech consulting firms charge $300–600/hr.
07 · Questions you're probably asking
What fintech buyers want to know before they call.
08 Next step
Scope your fintech engineering team in 15 minutes.
Tell us your platform, your compliance context, and your integration surface. We'll come back with a shortlist of SOC 2 audit-ready engineers to interview — matched for fit, not speed.