Chief Technology Officer

ACE Money Transfer; Kharian; On-site; PKR 3,000,000 - 5,000,000; Full time

Job summary

A leading fintech company in Pakistan is seeking a Chief Technology Officer (CTO) to provide strategic and technical leadership across their technology organization. The ideal candidate will have over 10 years of experience in fintech, proven capabilities in AI/ML and cross-border payment platforms, and strong expertise in cloud technologies and cybersecurity. This role involves defining the technology roadmap and leading cross-functional teams to deliver innovative financial products.

Qualifications

• 10+ years of senior technology leadership in fintech or banking.
• Strong expertise in cross-border payments and remittance ecosystems.
• Proven track record in AI/ML leadership, especially in document AI.

Responsibilities

• Define and execute the technology roadmap.
• Provide technical and strategic leadership across AI/ML programs.
• Translate vision into actionable AI/ML strategies.

Skills

Senior technology leadership

Cross-border payments

AI/ML leadership

.NET Core

Angular

Cybersecurity

Cloud technologies

Education

TOGAF Certification

PMP Certification

GDPR Certification

Tools

Python

PHP

MySQL

Docker

Kubernetes

AWS

Job description

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.

Job Summary

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