Fractional CTO for Fintech Startups
Build compliant fintech products that ship fast
Regulation is complex. Technical requirements are strict. Most fintech startups spend 12 months building before learning what regulators or customers actually need.
I help you navigate the technical and compliance maze while shipping working products in weeks.
What I do
Translate compliance into technical requirements KYC, AML, PSD2, data residency — I map regulatory requirements to system architecture. You get clarity on what you must build now versus what can wait.
Design for security and auditability from day one Payment flows, transaction ledgers, audit trails. These aren’t features you bolt on later. I design modular systems where compliance and functionality work together.
Ship MVPs that pass technical due diligence Investors and partners will scrutinize your technical foundation. Working software in 6-8 weeks that demonstrates you understand the regulatory landscape and can execute.
Who I work with
Pre-seed and seed-stage fintech companies building payment products, embedded finance, lending platforms, or financial infrastructure.
You often have domain expertise in finance but need technical leadership that understands both the product and the regulatory requirements. Or you’ve got early traction but your architecture won’t scale or pass audits.
How we work together
Typically 3 days per week for 4-6 months. I work with your team to define requirements, design compliant architecture, integrate with banking APIs and payment providers, and build your first secure, auditable version.
Recent work
Helped a payment platform design their transaction ledger and reconciliation system to meet audit requirements. Built in 8 weeks, passed their first compliance review.
Architected an embedded finance product’s KYC and onboarding flow to meet regulatory requirements across 3 jurisdictions. Launched in 10 weeks with proper data residency.
Let’s talk
If you’re building fintech products and need to move fast while staying compliant, or your current technical foundation won’t pass due diligence, let’s have a conversation.