A results-driven, globally experienced Fractional CTO and Senior Technology Executive with over 25 years of leadership across Fintech, Banking, Insurance & Consulting Industries. Known for transforming complex technology environments into high-performing, scalable, and secure ecosystems, I specialize in building elite engineering teams, modernizing legacy infrastructure, and executing cloud-first, data-driven, and AI-enabled strategies. Most recently at Citibank, Broxel, and Edenred, I have led major digital and operational transformations — including IPO readiness programs, core system modernization, Payments architecture optimization, and scalable product delivery models — across multi-country environments. I bring a rare combination of hands-on technical leadership, regulatory and security expertise, and high-level strategic vision that aligns technology with business outcomes at scale. I work closely with Founders, PE teams, C-Level executives, and cross-functional stakeholders to deliver board-level impact, define technology roadmaps, remove complexity, improve service delivery models, and accelerate innovation through the right balance of future-proofing and operational resilience.