Full-Stack Engineer to Build FCA-Regulated AI-Driven Mortgage

NESTROS

AI-Embedded Mortgage, Protection & Estate Operating System

Full Architecture, Product & Technical Implementation Brief

Budget:

£50,000 MVP

Jurisdiction:

United Kingdom (FCA-Regulated Environment)

• Executive Overview

We are building NestrOS, a compliance-native operating system that unifies mortgage, protection, estate sales, and lettings workflows for UK regulated financial services.

This is NOT:

A CRM configuration

A marketing automation widget

A chatbot product

This is:

The workflow and compliance backbone

The structured operating layer

The system advisers and estate staff work in daily

The control engine that syncs structured outputs back to Smarter 365

Smarter 365 remains the regulatory system of record (initially).

NestrOS becomes the operational control system.

The system must:

Enforce stage gating

Generate suitability letters internally

Embed AI to reduce admin burden

Integrate estate and mortgage workflows

Block CRM progression if compliance fails

Provide commission visibility

Scale 5× without architectural rewrite

This role is ideal for a senior engineer seeking ownership, product impact, and long-term platform involvement.

• Strategic Positioning

We compete in a UK market dominated by:

High-volume brokers (L&C, Just Mortgages)

Tech-driven disruptors (Habito, Tembo, Molo)

Premium advisory firms (Charcol, LDN Finance)

Traditional estate agencies with manual processes

Most competitors optimise:

Traffic

UX polish

Call centre scripting

Brand positioning

Few optimise:

Structured compliance workflows

Estate-mortgage integration

AI-embedded productivity

Operational efficiency per adviser

NestrOS competes through:

Structured discipline

Embedded compliance

AI-assisted drafting

Estate-to-mortgage intelligence

Introducer analytics

Attach rate uplift

Revenue per adviser optimisation

This must be built as an enterprise asset, not a tool.

• What You Will Build — MVP Phase 1

Your focus will be delivering a working MVP including:

Core Workflow Platform

Structured fact-find module with stage gating

Deterministic compliance rules engine

Suitability letter generation (inside NestrOS, not CRM)

Case engine with tasking and completeness scoring

AI Assist Layer

Document extraction (payslips, IDs, transcripts)

Document classification

Fact-find summarisation

Suitability draft block generation

Email draft assistance

WhatsApp draft assistance

Vulnerability detection from communications

Estate listing description AI

Rental pricing AI

Tenant risk pre-screen AI

Communications Integration

Email sync with Outlook (Microsoft Graph)

WhatsApp integration (Official Business API)

Call recording ingestion + transcription linking

CRM Orchestration

Smarter 365 API integration

CRM stage progression blocked unless approved

Structured write-back of documents, notes, compliance flags

Estate & Lettings Intelligence

Valuation pricing AI

Listing optimisation AI

Buyer readiness scoring

Rental pricing suggestions

Tenant risk scoring

Landlord mortgage cross-sell triggers

Web Presence

Major Money Matters website redesign

Morgan Brookes website redesign

Lead ingestion into NestrOS

Introducer & Commission Preview

Live commission split visibility

Adviser and introducer split estimation

• Technical Environment (Preferred, Not Prescriptive)

We prefer:

Azure UK Region (data residency)

PostgreSQL (primary store)

REST APIs

Event-driven pattern (outbox/event log)

AI gateway abstraction layer

Microsoft Graph API

WhatsApp Business API

Secure document storage with audit logs

Alternative stacks may be proposed with justification.

• Core Modules Detailed

5.1 Case Engine

Must:

Create structured cases

Enforce stage gating

Emit audit events

Attach communications

Track completeness score

Block stage progression unless rules pass

5.2 Structured Fact-Find

Mandatory structured fields.

AI may assist but not replace structured input.

Must link:

Documents

Risk flags

Compliance checks

5.3 Deterministic Compliance Engine

Must enforce:

Evidence presence

Disclosure confirmation

Vulnerability handling

Consumer Duty narrative capture

Commission-blind logic

Structured suitability minimum requirements

Automatic compliance sampling from Day 1.

Overrides must be logged and auditable.

5.4 Suitability Generation

Generated entirely inside NestrOS.

Features:

Structured template

AI narrative blocks

Human approval

Versioning

Hash storage

PDF export

CRM push

No CRM template reliance.

• AI Assist Layer (Full Overview)

AI must assist — not autonomously decide.

All AI outputs must:

Display confidence

Require approval before regulated artefact issuance

Be logged with prompt version

6.1 Mortgage & Protection AI

Payslip parsing

ID parsing

Bank statement classification (future)

Fact-find summary

Suitability paragraph suggestion

Vulnerability detection from transcripts

Email drafting

Commission anomaly detection

6.2 Estate Sales AI

Comparable property analysis

Price band recommendation

Overpricing warning

Vendor objection talking points

SEO listing description generation

Listing quality scoring

Buyer readiness score

Offer risk rating

Cross-sell trigger prompts

6.3 Lettings AI

Rental price recommendation

Demand confidence scoring

Tenant risk pre-screen scoring

Guarantor recommendation prompts

Landlord mortgage trigger detection

Maintenance pattern flagging (future phase)

• Communication Integration

Email

Sync via Microsoft Graph

Draft and send inside NestrOS

Log to case timeline

WhatsApp

Official Business API only

Logged and summarised

Case linked

Call Recording

UK compliant provider

Transcript ingestion

Vulnerability scanning

AI summary

• CRM Orchestration

Must:

Push structured notes

Push documents

Push compliance flags

Update stage

Prevent stage advancement if rules fail

Must include:

Sync retry logic

Reconciliation logic

Failure alerting

• Website Redesign Requirements

9.1 Major Money Matters

Purpose:

Lead conversion for mortgages and protection.

Must include:

Clean premium UX

SEO structured architecture

Mortgage type hubs

Protection pages

Calculators

Book consultation

Start fact-find

Consent capture

Blog capability

Structured lead ingestion into NestrOS

9.2 Morgan Brookes

Purpose:

Estate instructions + lettings leads.

Must include:

Property search

Area guides (SEO)

Valuation page

Lettings page

Landlord section

Cross-sell mortgage prompts

Structured lead ingestion into NestrOS

SEO optimisation

Core Web Vitals compliance

• Security & Compliance

Must include:

UK region hosting

TLS encryption

Field-level encryption for sensitive data

Immutable artefact storage

Full audit logging

Role-based access control

Consent enforcement

AI lockdown switch

• Ongoing Cost Projection (Mandatory)

You must provide monthly estimates including:

Hosting

Database

Storage

AI usage

WhatsApp usage

Call recording

Monitoring

Website hosting

Required projections:

5 advisers

15 advisers

25 advisers

5,000 cases annually

Must include:

Cost per case

Cost escalation thresholds

Cost control strategy

• Key Responsibilities

You will:

Architect the system

Define workflow rules

Implement AI assist layers safely

Integrate CRM

Build scalable APIs

Implement communication systems

Deliver website redesigns

Define CI/CD

Define monitoring strategy

Deliver within £50k constraint

• Required Skills & Experience

Full-stack engineering

Backend development (.NET / Node / Go)

Azure architecture

PostgreSQL design

REST API design

CRM integrations

Microsoft Graph API

WhatsApp Business API

AI/LLM integration

Secure architecture

CI/CD pipeline setup

System architecture at scale

• Success Criteria for MVP

MVP judged against:

End-to-end working workflow

Compliance gating enforced

Suitability generated internally

CRM stage blocking functional

AI assist performing within confidence thresholds

Websites live and converting

Cost projection delivered

Full documentation provided

• Deliverables

Fully working Phase 1 MVP

Architecture diagrams

API documentation

Data model schema

CRM integration plan

Testing strategy

Monitoring configuration

Monthly cost projection model

• Questions for You

Please answer:

What stack would you choose and why?

How will you enforce tenant & legal-entity isolation?

How will stage gating block CRM progression?

How will CRM sync failure be handled?

Which AI models would you use?

How will hallucination risk be mitigated?

What monthly cost do you estimate at 5, 15, 25 advisers?

How will CI/CD be structured securely?

What are the top risks within £50k?

How many weeks to deliver MVP?

• Final Position

NestrOS must become:

The operational backbone

The compliance engine

The AI productivity multiplier

The estate-mortgage intelligence loop

A long-term enterprise asset

It must be:

Structured

Disciplined

AI-assisted

Compliance-native

Cost-controlled

Scalable

Contract duration of 3 to 6 months.

Mandatory skills:

Backend Development, Azure Cloud Architecture, PostgreSQL Database Design, REST API Development, System Architecture & Microservices, CRM Integration, DevOps & CI/CD, Full-Stack Development