Domain Vetted Fintech Developers with PCI DSS and PSD2 experience

Fintech products don't get a grace period for shipped bugs. Cortance's fintech developers work primarily in Java, Python, and Node.js, backed by PostgreSQL, and build event-driven services on Apache Kafka when a platform needs an audit trail as reliable as the transaction itself. AWS is the default deployment target, and we build REST and Open Banking APIs with PCI DSS and PSD2 constraints considered from the first schema, not bolted on before an audit.

In-house teams know your product roadmap and internal review process cold, which matters when a change touches a live payment flow. Outsourced fintech engineers add capacity fast, useful when a PCI recertification or a new PSD2 requirement lands with a deadline your current team doesn't have hours for. Most fintech companies we work with run both, a core in-house team for product direction and a Cortance developer or two for the compliance-heavy sprints that would otherwise stall the roadmap.

Our vetting process checks fintech judgment as well as code: how a candidate reasons through a failed reconciliation or a partial refund, not only whether they can write a REST endpoint. The developers who reach your shortlist have already shown judgment under the kind of pressure fintech work creates.

Our Fintech cases

1. Payment infrastructure. At ABB Bank, Javid As., a Senior Full-Stack Software Engineer based in Baku, worked on modernizing and scaling the bank's payment infrastructure to support high-volume, secure transaction processing as part of a wider digital banking overhaul.
2. Automated risk management system. Built under Alex K.'s direction, a real-time system that watches for fraud and money-laundering signals on a customer's online banking account or payment card under PSD2 compliance: it flags suspicious transaction patterns and frequency spikes against known fraud profiles, and gives authorized staff a way to define new detection rules and chain them into an action flow instead of waiting on a periodic batch review.
3. Online banking backend. Valerii K., a Backend Java Developer in Odesa, built backend infrastructure for an online banking and mobile app, a set of microservices that handled client data across transfers, payments, and balance checks.
4. Usage-based billing. Denis M. built a self-service billing portal that turns metered API calls and transactions into invoices, with proration, credits, refunds and a full audit history of billing changes, a pattern common in smaller fintech products that don't need core banking scale.
5. Credit card selection platform. Our engineer worked on a platform that analyzes a user's purchase history and spending patterns to recommend the credit card that fits their lifestyle, so users no longer compare cards by hand.

What Do Cortance's Fintech Developers Build for Fraud and Risk?

Fraud and risk tooling is where AI-assisted engineering shows up most concretely in fintech work. Our developers build anomaly detection that flags suspicious transactions before they clear, KYC document pipelines that cut down manual review time, and underwriting tools that speed up risk scoring while keeping a human in the approval loop. Visa's own numbers put this at scale: $40 billion in fraudulent transactions blocked in fiscal 2024 using AI-leaning fraud defenses, and fintech engineering teams, ours included, are the ones building what sits underneath results like that. None of that removes the compliance guardrails. It moves the routine decisions faster, so a reviewer's time goes to the transactions that need judgment.

Startups get senior fintech execution without standing up a recruiting function first. Product companies use Cortance for staff augmentation when a roadmap deadline or a new integration won't wait for a long hire. Submit your requirements and get matched with Fintech developer profiles within 30 minutes, interview with no commitment, and transfer a developer to your own team after six months if the fit is right.