Fintech Specialist
Fractional CTO for Fintech Startups
Senior technical leadership for fintech companies navigating regulation, security, and scale. I bring hands-on experience from building credit risk platforms, compliance systems, and data infrastructure at Risika.
Why Fintech Needs a Specialist CTO
Generalist CTOs struggle in fintech. The regulatory environment, security requirements, and data complexity create challenges that require specific experience to navigate.
Regulatory Compliance
FCA authorisation, PSD2, GDPR, and sector-specific requirements demand technical architectures built for compliance from day one. Retrofitting is expensive and risky.
Data Security
Financial data requires enterprise-grade security: encryption at rest and in transit, access controls, audit logging, penetration testing, and incident response planning.
Scale and Reliability
Financial systems need five nines uptime. Transaction processing must handle peak loads without degradation. Failures have regulatory and reputational consequences.
Data Infrastructure
Credit scoring, risk assessment, and fraud detection require sophisticated data pipelines, ML infrastructure, and the ability to explain algorithmic decisions to regulators.
Fintech Experience You Can Trust
CTO at Risika
Danish credit risk and business intelligence platform
- ✓ Led transformation from VC-funded to profitable in 18 months
- ✓ Built credit scoring and risk assessment infrastructure
- ✓ Implemented GDPR-compliant data processing across Nordic markets
- ✓ Scaled distributed team across Denmark and India
This is not theoretical knowledge. I have built the systems, navigated the regulatory conversations, and made the architectural decisions that fintech companies face every day.
How I Help Fintech Startups
Technical Due Diligence
Preparing for a funding round or acquisition? I help you present your technical architecture, security posture, and scalability story to investors who understand fintech requirements.
Architecture for Compliance
Building systems that satisfy regulators from the start. Audit trails, data residency, consent management, and the documentation that compliance teams need.
Scaling Data Infrastructure
From early-stage data pipelines to production ML systems. Credit scoring, fraud detection, risk assessment, and the infrastructure to support algorithmic decision-making at scale.
Team Building
Hiring engineers who understand financial services. Building teams that can move fast while maintaining the rigour fintech demands.
Building a Fintech Product?
Book a free discovery call to discuss your technical challenges and see if we are a good fit.
Book Discovery Call