Luís Simão S.

Most freelancers do one thing. I connect three that rarely come together: compliance-grade systems development, financial advisory from inside banking, and high-level executive operations support. That combination is what makes the difference when the stakes are real. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHO I AM ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ I am a full-stack developer, business management consultant, and former banking compliance officer with 4+ years at Standard Bank Mozambique — one of Africa's largest banking groups. During that period I operated as an OCOS (Operational Controls and Oversight Specialist), reviewing and strengthening internal control frameworks across business units. Every process I touched fed directly into external regulatory audits. Result: 100% audit satisfaction across all assessed cycles. I now run two companies (DUNOR Engenharia and CONSERV) and take on selected remote engagements where my unusual combination of skills creates clear value for the client. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHAT I DO FOR CLIENTS ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ▌ SYSTEMS DEVELOPMENT (FinTech · ERP · SaaS · Compliance Tools) ✦ Custom ERP and SaaS platforms — multi-tenant, role-based, audit-logged, built to last ✦ AML/KYC workflow systems — onboarding flows, risk tiering, document verification, escalation logic ✦ FinTech back-office tools — transaction monitoring dashboards, regulatory reporting modules, internal control panels ✦ Payment gateway integrations — Stripe, PayPal, mobile money APIs ✦ Compliance-ready APIs — clean architecture, documented, testable, built with audit trails from day one Stack: TypeScript · Node.js · React · PHP · MySQL · PostgreSQL · AWS · REST APIs · Clean Architecture · Domain-Driven Design ▌ FINANCIAL ADVISORY & ANALYSIS ✦ Financial modelling and cash flow projections for SMEs and startups ✦ Business plans and feasibility studies with quantified assumptions ✦ Internal controls assessment and gap analysis (COSO framework) ✦ Risk registers, control matrices, and audit preparation packages ✦ KPI dashboards and management reporting (Excel, data visualisation) ✦ Compliance programme design for regulated businesses ✦ Budget planning, variance analysis, and scenario modelling I do not offer generic financial advice. I offer the kind of financial analysis that holds up under a CFO's review or a regulator's scrutiny — because that is the environment I came from. ▌ EXECUTIVE VIRTUAL ASSISTANT (Finance & Operations Focus) ✦ Financial inbox and document management for founders and executives ✦ Reporting packages — board decks, investor updates, monthly reviews ✦ Process documentation and SOP creation (with compliance standards) ✦ Research, benchmarking, and competitive analysis ✦ Project coordination across distributed teams ✦ CRM management and client communication support ✦ Calendar and priority management for C-suite and business owners Unlike general VAs, I understand what is inside the documents I handle. I can draft a report, question a figure, or flag a control weakness — not just file and forward. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ WHY CLIENTS IN REGULATED INDUSTRIES CHOOSE ME ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✔ I have been on the inside of a regulated bank. I know what auditors look for before they arrive. ✔ I build and analyse at the same time — no translation layer between the business problem and the technical or financial solution. ✔ I work with discipline: documented deliverables, clear milestones, no disappearing acts. ✔ I have 100% Job Success Score across 12+ completed contracts and 2,600+ hours on platform. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ GOOD FIT IF YOU ARE ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ → A fintech or neobank building regulated infrastructure → A startup that needs financial modelling and a developer in one person → A founder or executive who needs a senior-level VA who understands finance and operations — not just admin → A business preparing for an audit, an investor round, or regulatory review → A company building a custom ERP, SaaS, or compliance management tool ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ NOT A FIT IF YOU NEED ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ ✗ The cheapest hourly rate available ✗ Someone to start today with zero onboarding ✗ A generalist who figures it out as they go ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ HOW TO WORK WITH ME ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ Fixed-price for defined deliverables. Hourly for ongoing support. I respond within 24 hours. I document what I build. I flag problems before they become yours. Send me a message describing your situation. I will tell you directly whether I am the right fit.