Job Description

Chief Technology Officer (CTO) – ACE Money Transfer

About Ace Money Transfer

ACE Money Transfer is a leading fintech company specializing in cross-border payments for customers across Europe, Canada, the UK, and Australia. We are committed to delivering secure, scalable, and customer-centric digital financial services while driving innovation in AI/ML, intelligent automation, and compliance-driven technology platforms.

The Chief Technology Officer (CTO) will provide strategic and technical leadership across Ace Money Transfer’s global technology organization, driving the development of cross-border payment platforms, AI/ML initiatives, mobile applications, and regulatory compliance. This senior role requires a strong record of accomplishment in applied AI/ML leadership, scalable systems engineering, and secure financial technologies. The CTO will also champion DevSecOps practices, embedding security into every stage of the software delivery lifecycle, while ensuring resilient cloud-native infrastructures. Accountable for both the operational and financial performance of technology functions, the CTO will translate the company’s vision into executable strategies that deliver innovative, secure, and customer-centric solutions across multiple markets.

Key Responsibilities

• Define and execute the technology roadmap aligned with Ace Money Transfer’s business and innovation goals.
   
• Provide technical and strategic leadership across AI/ML programs focused on intelligent document processing, OCR, and LLM-based solutions.
   
• Translate vision into actionable AI/ML strategies, aligning technology innovation with business outcomes
   
• Drive cross-border payments platform scalability, including UPI architecture, APIs, and cloud-native microservices.
   
• Oversee high-level technical designs and architectures for scalable and performant payment and AI platforms.
   
• Implement AI/ML for fraud detection, risk scoring, and intelligent automation
   
• Oversee regulatory compliance with GDPR, PCI-DSS, DORA, Central Bank of Ireland, FCA, and ISO-27001 regulations.
   
• Champion penetration testing, cybersecurity frameworks, and resilience best practices
• Design and execute Disaster Recovery (DR) and Business Continuity Plans (BCP) to safeguard mission-critical operations.
   
• Lead and mentor cross-functional teams of data scientists, ML engineers, and software developers
   
• Foster collaboration with compliance, product, and business stakeholders to deliver secure, user-first financial products.

Qualifications & Experience

• 10+ years of senior technology leadership in fintech, banking, or regulated financial services.
   
• Strong expertise in cross-border payments, UPI platform architecture, and remittance ecosystems
   
• Proven track record in AI/ML leadership, especially in OCR, document AI, and LLM-based solutions.
   
• Expertise with NET Core, Angular, cross-platform mobile development (iOS/Android), Python, and PHP
   
• Expertise in databases (MySQL, MS SQL, PostgreSQL, DynamoDB) and data warehousing solutions for analytics and compliance reporting
   
• Strong knowledge of cloud technologies (AWS, Azure, GCP), including containers, Kubernetes, and Docker
   
• Deep experience in cybersecurity, DevSecOps, penetration testing, and IT resilience frameworks
   
• Experience implementing CI/CD pipelines, DevOps automation, and microservices-based architectures
   
• Certifications: TOGAF, PMP, GDPR Certification
   
• Strong leadership, communication, and stakeholder collaboration skills.

ACE Money Transfer : Company Profile - ACE Money Transfer