Filipe Gonçalves
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Filipe Gonçalves
September 27, 2025 at 11:30 am in reply to: KYC vs KYB tradeoffs for speed vs risk?Process tip that prevented a week of rework. Automate sticky edge cases to save analyst time. Write copy‑paste runbooks for common procedures.
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Filipe Gonçalves
September 26, 2025 at 1:28 am in reply to: How to build trust during onboarding for a new neobank?Biggest risk is invisible complexity creeping in. Log sample payloads (PII redacted) to speed debugging. Keep the system operable by the smallest competent team.
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Filipe Gonçalves
September 24, 2025 at 6:06 pm in reply to: How to get licensed to lend in multiple states fast?Ignore shiny features until you validate ROI. Negotiate support SLAs; they beat shiny features in crunch time. Counterpoint based on what stuck in reality.
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Filipe Gonçalves
September 22, 2025 at 1:19 pm in reply to: Best fintech events to attend in 2025 for partnerships?Ignore shiny features until you validate ROI. Prioritize measurable lift over theoretical accuracy. Counterpoint based on what stuck in reality.
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Keep the system operable by the smallest competent team. Biggest risk is invisible complexity creeping in. If volume is spiky, budget for burst capacity explicitly.
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Filipe Gonçalves
September 16, 2025 at 8:02 pm in reply to: PCI DSS 4.0 — what changed for small teams?If volume is spiky, budget for burst capacity explicitly. Biggest risk is invisible complexity creeping in. Keep the system operable by the smallest competent team.
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Filipe Gonçalves
September 16, 2025 at 4:24 am in reply to: Remote vs onsite for fintech engineering — what works?Schedule a retro after the first month. Process tip that prevented a week of rework. Bias toward tools the team can actually operate.
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Filipe Gonçalves
September 14, 2025 at 2:02 pm in reply to: PCI DSS 4.0 — what changed for small teams?Use feature flags generously for safe tests. Watch hidden dependencies that slow audits. Process tip that prevented a week of rework.
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Filipe Gonçalves
September 14, 2025 at 12:36 pm in reply to: Anyone using FIDO passkeys in production for banking apps?Decide this with numbers, not vibes. If the key metric doesn’t move in 14 days, revert. The real cost driver was reprocessing, not inference.
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Filipe Gonçalves
September 12, 2025 at 6:14 am in reply to: How to structure a compliance team at a seed-stage startup?Document assumptions so new teammates move faster. We cut manual review time by ~30% just by clarifying thresholds. Quick lesson from a compliance-heavy integration.
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Adding a datapoint from a Series A fintech I advised. Watch hidden dependencies that slow audits. A thin rules layer filtered 80% of noisy alerts.
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Filipe Gonçalves
September 5, 2025 at 10:36 am in reply to: What’s the best way to build a goals-based investing UX?Set crisp ownership so decisions don’t stall. Process tip that prevented a week of rework. Bias toward tools the team can actually operate.
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Filipe Gonçalves
September 1, 2025 at 4:36 pm in reply to: What’s the best way to build a goals-based investing UX?Optimize observability before model tuning. Explainability docs unblocked risk within two meetings. I’d approach this a bit differently than most tutorials suggest.
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Filipe Gonçalves
August 31, 2025 at 8:42 pm in reply to: Tax-loss harvesting — is it still worth it at low fees?A one‑pager playbook helped on-call engineers a lot. Decide this with numbers, not vibes. If the key metric doesn’t move in 14 days, revert.
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Filipe Gonçalves
August 31, 2025 at 5:24 am in reply to: How to get licensed to lend in multiple states fast?Decide this with numbers, not vibes. The real cost driver was reprocessing, not inference. If the key metric doesn’t move in 14 days, revert.
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