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FinTechComplex KYC, strict auditability, correctness under concurrency

FinTech Brokerage Automation: Funding, Allocation, Trading, Statements

Built the end-to-end brokerage workflow: KYC, funding, strategy allocation, automated trading, and statement generation — with a correctness-first architecture.

Problem

What needed to change

The startup needed an end-to-end customer workflow: complete KYC, fund accounts, allocate deposits across multiple strategies, execute trades, and generate confirmations + statements — while maintaining data integrity across many asynchronous steps.

Approach

Architecture + execution

  • Integrated Alpaca as the custodian/brokerage layer and Plaid for account linking + ACH fund transfers.
  • Implemented an atomic account/ledger model to ensure data integrity across deposits, allocations, fills, fees, and reversals.
  • Built strategy-aware allocation and automated trading flows with clear state machines, reconciliation, and idempotent processing.
  • Automated trade confirmations and periodic account statement generation with evidence-ready audit trails.
  • Shipped a complex KYC workflow with step-level tracking, retries, and operational tooling for exceptions.
  • Deployed on GCP Cloud Run for scalable services and used Pub/Sub for asynchronous workflow processing and backpressure handling.

Results

Outcomes that held up

  • Enabled end-to-end customer funding → allocation → trading flows with reliable, auditable system behavior.
  • Improved correctness under concurrency using atomic account primitives and idempotent async processing.
  • Reduced operational load by automating confirmations, statements, and exception-handling workflows.