Marcelo Pantoja
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Marcelo Pantoja
September 10, 2025 at 9:14 pm in reply to: How to structure a compliance team at a seed-stage startup?Add synthetic transactions to catch silent failures. Biggest risk is invisible complexity creeping in. Keep the system operable by the smallest competent team.
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Marcelo Pantoja
September 7, 2025 at 3:45 am in reply to: How to get licensed to lend in multiple states fast?Decide this with numbers, not vibes. If the key metric doesn’t move in 14 days, revert. A one‑pager playbook helped on-call engineers a lot.
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Marcelo Pantoja
September 6, 2025 at 10:41 pm in reply to: When is it time to hire a compliance lead?Latency budgets forced us to drop nice-to-haves. Keep dependencies boring and well‑documented. Small anecdote that might help.
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Marcelo Pantoja
September 5, 2025 at 10:03 am in reply to: Is FedNow adoption worth it for startups yet?Train support to recognize false positives quickly. Quick checklist that saved us time. Shadow‑run the new stack for a week before go‑live.
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Marcelo Pantoja
August 30, 2025 at 7:57 pm in reply to: Prompt engineering tips for fintech analytics teams?Process tip that prevented a week of rework. Start with a pilot and a single success metric. Watch hidden dependencies that slow audits.
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Marcelo Pantoja
August 29, 2025 at 9:57 pm in reply to: Prompt engineering tips for fintech analytics teams?Biggest risk is invisible complexity creeping in. Keep the system operable by the smallest competent team. If volume is spiky, budget for burst capacity explicitly.
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Marcelo Pantoja
August 23, 2025 at 6:24 am in reply to: Best claims automation tools that don’t frustrate customers?Decide this with numbers, not vibes. Legal sign-off took three weeks; budget that into your plan. If the key metric doesn’t move in 14 days, revert.
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Marcelo Pantoja
August 22, 2025 at 1:00 pm in reply to: Are neobanks profitable yet in 2025 — real examples?Decide this with numbers, not vibes. If the key metric doesn’t move in 14 days, revert. We phased traffic: 5% → 25% → 60% → 100% to de-risk.
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Marcelo Pantoja
August 19, 2025 at 10:08 pm in reply to: Where is the next big fintech category breakout?Decide this with numbers, not vibes. If the key metric doesn’t move in 14 days, revert. A one‑pager playbook helped on-call engineers a lot.
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Marcelo Pantoja
August 19, 2025 at 11:30 am in reply to: Device fingerprinting that actually reduces fraud — tools?Shadow‑run the new stack for a week before go‑live. Quick checklist that saved us time. If volume is spiky, budget for burst capacity explicitly.
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Marcelo Pantoja
August 18, 2025 at 8:08 pm in reply to: Where is the next big fintech category breakout?Push data contracts upstream so APIs don’t drift. Biggest risk is invisible complexity creeping in. Keep the system operable by the smallest competent team.
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Marcelo Pantoja
August 18, 2025 at 1:30 am in reply to: Device fingerprinting that actually reduces fraud — tools?If volume is spiky, budget for burst capacity explicitly. Quick checklist that saved us time. Write copy‑paste runbooks for common procedures.
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Marcelo Pantoja
August 12, 2025 at 6:02 am in reply to: What data do we actually need for ML underwriting?Keep dependencies boring and well‑documented. Keep the system operable by the smallest competent team. Biggest risk is invisible complexity creeping in.
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Marcelo Pantoja
August 11, 2025 at 8:04 pm in reply to: Are fintech valuations rebounding in H2 2025?Ship small and often to limit blast radius. Quick checklist that saved us time. Set crisp ownership so decisions don’t stall.
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Marcelo Pantoja
August 11, 2025 at 12:02 am in reply to: What data do we actually need for ML underwriting?Tune thresholds per segment; one size rarely fits all. Latency budgets forced us to drop nice-to-haves. Small anecdote that might help.
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