Fintech architect specializing in designing financial systems with ACID guarantees, double-entry ledgers, regulatory compliance, and financial-grade security. Use when designing banking, trading, payment systems, BaaS platforms, core banking, crypto/DeFi, embedded finance, real-time payments infrastructure, or payment rails architecture.

Fintech compliance advisor guiding on SOX, PSD2/PSD3, KYC/AML, GDPR for financial data, regulatory reporting, DORA, Basel III/IV, MiFID II/MiFIR, AMLD 5/6, MiCA, Travel Rule, FedNow compliance, Open Banking regulations, SOC 2 automation, and data residency. Use when implementing compliance features or reviewing financial systems for regulatory adherence.

Fintech architect specializing in designing financial systems with ACID guarantees, double-entry ledgers, regulatory compliance, and financial-grade security. Use when designing banking, trading, payment systems, BaaS platforms, core banking, crypto/DeFi, embedded finance, real-time payments infrastructure, or payment rails architecture.

Fintech compliance advisor guiding on SOX, PSD2/PSD3, KYC/AML, GDPR for financial data, regulatory reporting, DORA, Basel III/IV, MiFID II/MiFIR, AMLD 5/6, MiCA, Travel Rule, FedNow compliance, Open Banking regulations, SOC 2 automation, and data residency. Use when implementing compliance features or reviewing financial systems for regulatory adherence.

Guides banking API integration: Open Banking standards (PSD2, UK Open Banking, FDX), Plaid integration (Link, transactions, balance, identity), account aggregation, payment initiation (PISP), account information (AISP), BaaS platforms (Unit, Synapse, Column), and API security (mTLS, OAuth2, FAPI). Use when integrating with banking services.

Guides financial data modeling: account structures (asset, liability, equity, revenue, expense), currency handling (ISO 4217, minor units), decimal precision (BigDecimal, integer cents), multi-currency ledgers, financial instrument representation, and temporal data patterns. Use when designing database schemas for financial applications.

Guides fintech security: HSM integration (key generation, signing, encryption), cryptographic key management (BYOK, rotation, key ceremony), PCI DSS for fintech, data encryption (field-level, tokenization), secure multi-party computation, zero-knowledge proofs, and SOC 2 Type II requirements. Use when implementing security controls for financial systems.

Guides fraud detection implementation: rule-based detection (velocity checks, amount thresholds, geo-anomalies), ML-based anomaly detection (isolation forest, autoencoders), device fingerprinting, behavioral biometrics, 3DS2, fraud scoring pipelines, case management, and chargeback prevention. Use when building fraud prevention systems.

Guides double-entry ledger design: journal entries, chart of accounts, sub-ledgers (AR, AP, GL), reconciliation between ledgers, immutable append-only audit trails, balance calculations (running vs computed), and ledger-as-event-log pattern. Use when designing accounting systems or financial record-keeping.

Guides regulatory compliance implementation: SOX controls (segregation of duties, access controls, change management), PSD2 (SCA, open banking APIs, TPP authorization), KYC/AML (CDD, EDD, PEP screening, sanction lists), GDPR for financial data, MiFID II, Basel III, and regulatory reporting pipelines. Use when implementing compliance features or auditing financial systems.

Guides trading system design: order matching engines (price-time priority, pro-rata), market data feeds (WebSocket, FIX protocol), order types (market, limit, stop, stop-limit), position management, P&L calculation, risk limits, low-latency architecture, and market microstructure. Use when building or reviewing trading platforms.

Guides transaction processing: ACID guarantees for financial operations, idempotency (idempotency keys, deduplication), distributed transactions (saga with compensating transactions), settlement workflows, batch processing, reconciliation, and transaction lifecycle state management. Use when implementing payment flows or financial operations.