Chief Technology Officer — AI-Driven FinTech (Remote)

Scratch Financial; Pasadena (CA); On-site; USD 300,000 - 350,000; Full time

Benefits offered by this job

Unlimited PTO

Healthcare coverage

401k match

Cell plan reimbursement

Equity retention policy

Parental leave

Job summary

Scratch Financial is seeking a Chief Technology Officer to lead engineering, infrastructure, and security for a distributed, remote-first team. You will build architecture, standards, and a security-first culture, while guiding AI integration and cost-aware cloud practices.

A hands-on leader is essential to drive practical results and clarity across the org. The role requires deep technical judgment, experience with audits and compliance, and the ability to scale a fintech backend with reliable

Qualifications

• Has led a company through a sale and managed diligence processes.
• Built observability, alerting, and security systems from near ground-zero.
• Directed a security function with audits and compliance exposure.
• Hands-on experience with agentic AI development.

Responsibilities

• Build and mature engineering processes, architecture, and security baseline.
• Lead security as a first-class function with audits and compliance readiness.
• Define AI strategy with hands-on experience and practical applications.
• Lead a distributed, remote-first engineering team and empower teams.
• Balance cost and business value in technology decisions while moving fast.

Skills

Observability

Security engineering

Cloud architecture

API design

FinOps

AI development

Tools

Stripe-style payments

Job description

Scratch Financial is seeking a Chief Technology Officer to lead engineering, infrastructure, and security for a distributed, remote-first team. You will build architecture, standards, and a security-first culture, while guiding AI integration and cost-aware cloud practices.

A hands-on leader is essential to drive practical results and clarity across the org. The role requires deep technical judgment, experience with audits and compliance, and the ability to scale a fintech backend with reliable