Arbetsbeskrivning

The Chief Technology Officer (CTO) will be responsible for defining and delivering the technology vision and strategy of the company, ensuring alignment with business goals and regulatory obligations. As a member of the executive leadership team, the CTO will oversee the development, security, and scalability of the firm’s payment platforms, ensuring innovation, compliance, and resilience in a competitive environment.

Roles & Responsibilities

· Define and execute the company’s technology vision, roadmap, and long-term engineering strategy.

· Ensure all systems and platforms are scalable, secure, and resilient to meet customer demand and regulatory expectations.

· Advise the CEO and Board on technology trends, risks, and opportunities that impact the payments industry.

· Champion innovation and the adoption of emerging technologies that enhance competitive advantage.

· Lead the design, build, and optimisation of acquiring and issuing platforms, including transaction processing, settlement, reconciliation, and chargeback management.

· Oversee integrations with card schemes (Visa, Mastercard, etc.).

· Ensure full compliance with card scheme rules, PSD2 and other regulatory requirements.

· Support the launch and scaling of existing and new product.

· Develop technical solutions to optimise merchant onboarding, KYC, and payment acceptance capabilities across channels.

· Manage vendor and scheme relationships, ensuring strong connectivity, performance, and resilience of payment rails.

· Lead the end-to-end design and development of the company’s core payments platform, ensuring scalability, resilience, and innovation.

· Oversee the full product lifecycle for technology solutions.

· Collaborate with Product, Business Development, and Operations to define product roadmaps aligned with customer needs and commercial goals

· Implement robust platform architecture to support acquiring, issuing, risk management, and reporting functions.

· Ensure effective integration of APIs, partner solutions, and third-party services into the platform.

· Drive a culture of customer-centric product development, ensuring technology directly supports business growth.

· Oversee day-to-day operations of IT and payments infrastructure, ensuring system stability and uptime.

Maintain strong relationships with processors, acquirers, issuers, and external technology vendors.

· Build, lead, and mentor a high-performing technology team (engineering, IT operations, architecture, security).

· Oversee IT budgets, vendor contracts, and resource planning to ensure effective use of company resources.

Key Skills & Competencies

• Proven leadership in technology strategy within a FinTech, payments, or financial services organisation.
• Strong expertise in acquiring and card issuing technology, including scheme integrations, BIN sponsorship, and transaction processing.
• Deep experience in platform architecture and product lifecycle management.
• In-depth knowledge of regulatory frameworks (e.g., PSD2, FCA, PCI-DSS, AML, GDPR).
• Excellent stakeholder management and board-level communication skills.
• Strategic thinker with the ability to translate vision into execution.
• Deep understanding of cybersecurity, fraud prevention, and data protection in payments.
• Strong vendor and scheme relationship management skills.