Ferromagnets in contact with a topological insulator have become appealing candidates for spintronics due to the presence of Dirac surface states with spin-momentum locking. Because of this, bilayer Bi 2 Se 3 -EuS structures, for instance, show a finite magnetization at the interface at temperatures well exceeding the Curie temperature of bulk EuS. Here, we determine theoretically the effective magnetic interactions at a topological insulator-ferromagnet interface above the magnetic ordering temperature. We show that by integrating out the Dirac fermion fluctuations an effective Dzyaloshinskii-Moriya interaction and magnetic charging interaction emerge. As a result, individual magnetic skyrmions and extended skyrmion lattices can form at the interfaces of ferromagnets and topological insulators, the first indications of which have been very recently observed experimentally. DOI: 10.1103/PhysRevB.98.060401Introduction. The spin-momentum locking property of three-dimensional topological insulators (TIs) [1,2] makes them promising candidate materials for future spin-based electronic devices. One important consequence of spin-momentum locking in TIs is the topological electromagnetic response, which arises from induced Chern-Simons (CS) terms [3] on each surface [4]. This happens, for instance, when timereversal (TR) symmetry is broken, which renders the surface Dirac fermions gapped. This can be achieved, for example, by a proximity effect with a ferromagnetic insulator (FMI) [5][6][7][8][9][10][11][12][13][14][15]. In this case, a CS term is generated if there are an odd number of gapped Dirac fermions, which is achieved only in the presence of out-of-plane exchange fields [11]. The realization of several physical effects related to the CS term that have been predicted in the literature critically depends on growing technologies required for the fabrication of heterostructures involving both strong TIs and FMIs. Recently, high-quality Bi 2 Se 3 -EuS bilayer structures have been shown to exhibit proximity-induced ferromagnetism on the surface of Bi 2 Se 3 [6,16,17]. Other successful realizations of stable ferromagnetic TI interfaces were demonstrated recently [18,19]. In addition, it was shown that the interface of FMI and TI can have a magnetic ordering temperature much higher than the bulk ordering temperature [5], indicating that topological surface states can strongly affect the magnetic properties of a proximity-coupled FMI.These experimental advances motivate us to investigate the effective magnetic interactions that result from the fluctuating momentum-locked Dirac fermion surface states of a TI in contact with an FMI.We show that even in the absence of any spontaneous magnetization, at temperatures above the Curie temperature