Compliance engineering for fintech
The parts of your fintech that have to survive being questioned later.
When a regulator, auditor or customer asks why, your team answers with one sentence and one record — not a week of reconstruction.
- Outcome
- 7 for a person to review
- Inputs
- 653 ledger · 612 settlement · 67 bank
- Matched
- 65 · incl. one 50-to-1 deposit
- Flagged
- payout PO-20260914 · EUR 1,752.23 missing from bank
- Replay
- identical to the original run
Month end: “Where is payout PO-20260914?”
Answer: it never reached the bank. Its 9 payments are attached as evidence.
Reconciliation walkthrough →Who this is for
Written for the person who signs off, not only the person who builds.
Head of Compliance · MLRO
You need to answer “why was this decided?” with evidence, not a developer’s memory.
Head of Operations
You need a queue that shows what’s oldest, what’s blocked and who decided what, and month-end breaks narrowed to the few that need a person.
See the reconciliation demo →CTO · Engineering lead
You need the compliance path built by someone who writes down the trade-offs and tests the guarantees.
How an engagement runs
Start with a review, not an invoice.
01 · free
30-minute call
You describe the decision, the flow or the reconciliation that worries you. The call ends with a straight answer on whether this is the right fit.
02 · yours to keep
Written review
What fails, how it fails, what to build and what not to. Yours to keep, even if the engagement stops there.
03 · in your repo
Build
Small reviewable changes, with tests that enforce each guarantee rather than describe it.
04 · you own it
Handover
A design rationale your auditor can read, a runbook, and every account and line of code in your name.
Questions
Worth asking before hiring.
Does this replace an existing KYC or screening vendor?
No. Your vendor keeps checking documents and lists. This work makes sure what it sends back is recorded and explainable on your side.
Is this compliance consulting?
No. This is software engineering. Your compliance team sets the policy; the systems built here apply it, record it and can show their working. Where a question needs legal or regulatory advice, that is said plainly and left to someone qualified to give it.
What if you’re unavailable?
Everything lives in your repository, under your accounts, with a runbook. Nothing depends on anyone being reachable to keep running or to be picked up by another engineer.
Do you need access to our customer data?
Once we start working together, we will work with your data and build a solution tailored to it.
Describe the decision or the exception that worries you.
One paragraph, no customer data needed.