Roman S.

FinTech, Marketplace and SaaS developer - with AI integration in shipped products. 19 years. $10M+ earned on Upwork via Ronas IT — 1,829 jobs, 100% Job Success Score, Top Rated. I lead a remote team. I'm hands-on on every FinTech build - solution architecture, scope, and release sign-off. Cases: - US neobank - 7-microservice core, Bond + Persona + Sardine + Plaid, SOC 2 path passed on our side - EU neobank - 6-month MVP under PSD2 / AMLD / GDPR, Solaris BaaS + Trulioo KYC - AU travel payments - Stripe + 3DS2 + PayTo / PayID + FingerprintJS Pro, 10 weeks kickoff-to-launch - Docky - Malta yacht-berth marketplace on Stripe SetupIntent + Identity - Hamperapp Miami - on-demand marketplace - Lainappi Finland - P2P rental marketplace on Stripe Connect - UAE marketplace - Arabic RTL + English LTR with OpenAI shopping assistant - AI in products - OpenAI recommendations in US property-search and EU fitness apps, AI trip recommendations for Canadian travel, AI predictive analytics for US real-estate investing - $130K B2B SaaS - real-time project management dashboard adopted by 100+ teams - 8-year forex / social-trading platform - real-time trading dashboard - KYC redesign for Digital Finance International - review collapsed from hours to ~1 minute - 14-year FinTech engagement with AA Global Group (London) Stack: - Backend - Node.js, Laravel, Django, PHP, Python, Express, NestJS, FastAPI - Frontend - React, Next.js, TypeScript, Tailwind, REST API, GraphQL - Mobile - React Native, iOS, Android, Expo, EAS, Firebase - Data - PostgreSQL, MongoDB, Redis, Elasticsearch, Supabase - Cloud - AWS, GCP, Vercel, Docker, Kubernetes, Terraform - Architecture - Microservices, Multi-tenant SaaS, Real-time, Cross-platform mobile - Payments - Stripe, Stripe Connect, Plaid, 3DS2 - AI - OpenAI API, AI model integration, generative AI assistants and recommendations - Compliance shipped - PSD2, AMLD, GDPR, PCI DSS, SOC 2 path, HIPAA, ISO 27001 Ronas IT - 50-70 remote specialists, Estonian entity in Tallinn, Google Cloud Partner, Awwwards Honorable Mention 2024. I'm CEO and co-founder since 2007. Same engineers scope and ship your build - no handoff from sales to delivery. How I work - discovery sprint, architecture + threat model, MVP, audit readiness. Engaged from $5K prototype to $300K neobank build. Send the regulator letter, the audit finding, the integration spec, or just a 3-line problem statement.