Marcelo Pantoja
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Marcelo Pantoja
October 13, 2025 at 8:05 am in reply to: Stablecoins for payroll — anyone doing this live?Make alerting boring and reliable. Rotate credentials on a calendar, not only after incidents. Quick checklist that saved us time.
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Quick checklist that saved us time. Run a pre-mortem; it surfaces surprises early. Push data contracts upstream so APIs don’t drift.
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Marcelo Pantoja
October 6, 2025 at 8:48 am in reply to: How do we handle on/off-ramps without compliance pain?Counterpoint based on what stuck in reality. Benchmarks lie; production traffic tells the story. Ignore shiny features until you validate ROI.
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Use feature flags generously for safe tests. Process tip that prevented a week of rework. Bias toward tools the team can actually operate.
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Calm dashboards mattered more than fancy models during incidents. Small anecdote that might help. Train support to recognize false positives quickly.
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Marcelo Pantoja
October 3, 2025 at 7:03 am in reply to: What data do we actually need for ML underwriting?We shipped something similar last quarter; notes below. We cut manual review time by ~30% just by clarifying thresholds. Prioritize measurable lift over theoretical accuracy.
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Marcelo Pantoja
September 30, 2025 at 4:04 pm in reply to: Tips to book investor meetings during conferences?A one‑pager playbook helped on-call engineers a lot. Ensure sandbox parity to avoid release‑day surprises. Small anecdote that might help.
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Marcelo Pantoja
September 30, 2025 at 2:21 am in reply to: Remote vs onsite for fintech engineering — what works?Decide this with numbers, not vibes. If the key metric doesn’t move in 14 days, revert. We cut manual review time by ~30% just by clarifying thresholds.
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Marcelo Pantoja
September 29, 2025 at 1:58 am in reply to: How do you price usage-based insurance fairly?The real cost driver was reprocessing, not inference. Two cents after running this through prod traffic. Design the rollout so rollback takes minutes, not hours.
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Marcelo Pantoja
September 26, 2025 at 2:06 pm in reply to: How to get licensed to lend in multiple states fast?Document assumptions so new teammates move faster. Ignore shiny features until you validate ROI. Counterpoint based on what stuck in reality.
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Marcelo Pantoja
September 24, 2025 at 5:19 am in reply to: Bank sponsorship vs own license — what did you choose?We phased traffic: 5% → 25% → 60% → 100% to de-risk. I’d approach this a bit differently than most tutorials suggest. Optimize observability before model tuning.
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Marcelo Pantoja
September 22, 2025 at 10:40 am in reply to: Remote vs onsite for fintech engineering — what works?We learned this the hard way during a vendor swap. Bias toward tools the team can actually operate. The real cost driver was reprocessing, not inference.
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Marcelo Pantoja
September 13, 2025 at 3:19 am in reply to: How to set up adverse action notices programmatically?We hit rate limits on day three; lightweight caching saved us. If the key metric doesn’t move in 14 days, revert. Decide this with numbers, not vibes.
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Marcelo Pantoja
September 12, 2025 at 12:14 pm in reply to: How to structure a compliance team at a seed-stage startup?Design the rollout so rollback takes minutes, not hours. Counterpoint based on what stuck in reality. Ignore shiny features until you validate ROI.
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Marcelo Pantoja
September 11, 2025 at 10:21 pm in reply to: Direct indexing: when does it beat ETFs?Process tip that prevented a week of rework. Benchmarks lie; production traffic tells the story. Keep a kill switch handy for launch week.
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