Five featured practice areas — plus a further fourteen specialisations — sourced from a Balkan-based bench and embedded into your team within 21 days. Select a practice area below to view the specific roles we cover and the contexts in which they are typically engaged.
Engineering & Product
Backend, frontend, mobile, QA, DevOps, data, product, and design — the complete delivery capability required to build and operate modern payment platforms.
When you need to deliver payment flows, integrate processors, launch a card programme, or scale an existing platform without expanding permanent headcount.
Typical seniority mix
Mid to Staff (typically 70% mid–senior, 30% staff and above)
Growth & Marketing
Performance, lifecycle, content, and brand specialists with practical experience of fintech regulation, unit economics, and conversion at scale.
Once product–market fit is established and you need scalable, compliant acquisition without a multi-quarter senior hiring process in-market.
Typical seniority mix
Mid to lead (engagement-specific seniority mix on request)
Operations & Onboarding
KYC analysts, payments operations, dispute handlers, and customer support — the day-to-day functions that keep payment rails operational and customers retained.
Roles within this practice
•KYC & Onboarding Analysts (consumer and business)
When transaction volume is outpacing the capacity of your founding team and you require an EU-fluent operations function that scales predictably alongside the business.
Typical seniority mix
Junior to manager (volume-flexible engagements)
Risk, Compliance & Fraud
AML, transaction monitoring, fraud operations, and senior compliance officers with direct experience at PSPs, EMIs, and licensed neobanks across the UK and EU.
Roles within this practice
•AML & KYC Analysts
•Transaction Monitoring Analysts
•Fraud Operations Specialists
•Compliance Officers
•Money Laundering Reporting Officers (MLROs)
•Regulatory Reporting Analysts
When clients engage us
When the FCA, BaFin, MFSA, DFSA, or a comparable regulator requires you to scale your second line of defence on a timeline that internal hiring cannot meet.
Typical seniority mix
Mid to senior (regulator-facing experience throughout)
AI & Machine Learning
LLM engineers, machine learning practitioners, MLOps, and applied AI specialists for fintechs developing copilots, fraud models, and underwriting systems.
Roles within this practice
•LLM & Applied AI Engineers
•Machine Learning Engineers (training and deployment)
When you are shipping AI capability into a regulated product and require engineers fluent in both evaluation discipline and the relevant compliance constraints.
Typical seniority mix
Senior to staff (substantive applied machine learning background)
More specialisations
The wider operating stack we cover
Beyond the five featured practice areas above, FinCircles staffs the broader functions every modern fintech needs. Selectable on the candidate apply form and available for client engagements on request.
Product Management
Senior product managers with payments, neobanking, and regulated-product experience.
Design (Product / Brand)
Product, brand, and motion designers who ship for regulated fintech products.
Data & Analytics
Data engineers, analytics engineers, and analysts across the modern data stack.
IT & Infrastructure
Internal IT, identity, helpdesk, and infrastructure engineers for distributed teams.
Marketing
Brand, content, communications, and product marketing built for the fintech buyer.
Sales
Account executives, SDRs, and revenue leaders with B2B fintech and SaaS pedigree.
Customer Success
CSMs and account managers experienced with fintech, banking, and payment partners.
Customer Support
Multilingual T1, T2, and T3 support with onboarding and dispute expertise.
Business Development
Partnerships, alliances, and BD leaders with established fintech networks.
Finance
FP&A, finance operations, and treasury professionals for scaling fintech businesses.
Accounting
Bookkeepers, accountants, controllers, and financial-reporting specialists.
Legal
In-house counsel, paralegals, and contract specialists with fintech regulatory context.
People & HR
People operations, recruiting, and HR business partners for fast-growing teams.
Project & Programme Management
Project and programme managers with delivery experience in payments and licensing.
Engagement models
Four commercial models
Each engagement is structured around the stage of your business and the nature of the work. Select the model that matches your requirement, or talk to us about a hybrid arrangement.
Staff Augmentation
Individual specialists embed into your team under your direct management. You retain delivery ownership while FinCircles handles sourcing, contracts, payroll, and retention.
Best forExpanding an established function — adding two to five specialists to an existing team without disrupting velocity.
A complete delivery pod — engineering, product, design, and QA — led by a senior FinCircles technical lead and operating as a fully integrated extension of your business.
Best forLaunching a new product line, entering a new market, or running a workstream that your core team does not have the bandwidth to deliver.
Part-time senior practitioners for roles where a full-time hire is not yet justified — MLRO, Head of Growth, Principal Engineer, fractional finance leadership, and similar.
Best forEarly-stage and growth-stage fintechs that need senior judgement and accountability without a full executive compensation commitment.
CommercialsDay-rate engagements with weekly or monthly minimums.
Project-Based Delivery
Scoped delivery against a defined outcome — card programme launch, processor migration, KYC vendor change, AI feature implementation, or comparable initiatives.
Best forTime-bound initiatives with a clear scope where you require fixed-cost delivery and a single point of accountability.
The pieces below sit behind the most common buyer questions about sourcing fintech talent in the Balkans — cost, regulation, market choice, and team shape.
Five featured practice areas: engineering and product, growth and marketing, operations and onboarding, risk, compliance and fraud, and AI and ML — covering more than nineteen specialisations including payments engineering, KYC and AML operations, embedded finance, fraud analytics, and growth.
How is a FinCircles specialist different from a generalist outstaffing hire?
Every specialist is sourced for, and assessed against, the demands of a regulated fintech or payments environment. Domain familiarity — payment rails, KYC pipelines, dispute lifecycles, fraud signals, agent-based ML in production — is established before the candidate reaches a client interview.
Where are FinCircles specialists located?
Serbia, Croatia, Bosnia & Herzegovina, North Macedonia, Montenegro, Slovenia, Bulgaria, Romania, and Greece. Specialists work fully remote on EU business hours and are paid in EUR.
Are specialists assessed for AI tooling proficiency?
Yes. Every FinCircles specialist is evaluated for working fluency with Claude, Cursor, GitHub Copilot, and adjacent agent tooling. AI fluency is treated as a baseline requirement, not a differentiator.
How quickly can a role be filled?
Average time from signed brief to embedded specialist is 21 days. Senior or niche roles can take longer; the timeline is confirmed during the brief stage.
Get in touch
Which practice area is your priority?
Share the role, the technical context, and the timeline. We will respond with a curated shortlist and a clear path to embedding the right specialists.
