Fractional CTO London: fintech technology leadership for regulated industries

Ex-CTO of Raindrop (7-figure ARR pension SaaS), now helping fintech, banking, and B2B SaaS companies as a fractional CTO in London

I help fintech founders, COOs, and product leaders scale platforms, meet enterprise compliance expectations, and ship digital financial products that win enterprise deals.

  • • We’re launching a new fintech product and need help …
  • • We’re preparing for ISO 27001 and need vendor automation…
  • • Our investor diligence flagged infra gaps…
Core expertise

Proven fintech leadership across the full technology stack

From regulatory compliance to payment infrastructure, I deliver the technical expertise that enterprise financial clients demand.

Regulatory Compliance & Due Diligence

Enterprise-grade security and compliance frameworks that pass the most rigorous procurement assessments.

  • ISO 27001:2022 readiness and audit prep
  • SOC 2 gap analysis and control implementation
  • Vendor risk assessments and data privacy (GDPR)
  • Technical documentation for enterprise procurement

Payments & Financial Infrastructure

Battle-tested payment systems and financial data orchestration for regulated environments.

  • Workplace and SIPP pension schemes
  • Open Banking and transaction synchronisation
  • KYC/AML integrations and orchestration
  • Embedded finance and account connectivity

Fintech Product Strategy

Commercial-focused product development that turns technical capabilities into revenue growth.

  • B2B SaaS GTM planning and API packaging
  • Product pivots: from white-label to multi-tenant
  • Sales enablement via security posture & compliance artefacts
  • Onboarding & workflow design for regulated clients
Fractional CTO services

Technology leadership that drives commercial results

Choose the engagement model that fits your stage and objectives, from ongoing leadership to targeted interventions.

Fintech CTO Retainer

Ongoing technology leadership, technical mentorship, and platform stewardship.

  • Align tech roadmap with commercial goals
  • Lead engineering hires or restructure
  • Interface with clients, partners, and compliance teams
  • Weekly strategic sessions and quarterly planning
  • Direct access for urgent technical decisions

Strategic Transformation Projects

High-impact initiatives that reset your technical foundation or unlock enterprise sales.

  • Rebuild platform for scale or compliance
  • Overhaul security posture and controls
  • Prepare for investor or procurement tech due diligence
  • 3-6 month focused delivery with clear milestones
  • Knowledge transfer and team upskilling included

Targeted Advisory Sessions

Short-term, high-value technical interventions.

  • InfoSec due diligence & RFP responses
  • GTM for fintech APIs
  • Systems and architecture reviews
  • Half-day or full-day intensive sessions
  • Actionable recommendations and next steps
Why work with Raul

Proven fintech leadership with enterprise-grade results

I've built, scaled, and sold fintech technology to the most demanding enterprise clients in financial services.

  • CTO and CISO at Raindrop – 7-figure ARR B2B pension SaaS
  • Integrated with Monzo, Standard Life, AJ Bell – serving millions in pension assets
  • Passed enterprise procurement assessments with ISO-aligned policies and controls
  • Oversaw engineering, InfoSec, and commercial enablement across the full technology lifecycle
  • Operates across founder, technical, and sales functions – understands the full business context
  • Pragmatic and delivery-focused – makes complex problems simple
  • Alumnus of the Wharton Executive Education CTO Programme – strategic leadership training
Case studies

Real results from fintech transformation projects

See how strategic technology leadership has delivered measurable business outcomes for fintech companies.

Scaling a pension SaaS platform for enterprise-grade delivery

Challenge

Legacy monolithic architecture couldn't scale to serve enterprise clients with millions in pension assets.

Solution

Re-architected to event-driven microservices; introduced Kafka and GCP for real-time processing.

Result

Platform scaled to support millions in AUM; cleared security reviews with major pension providers.

Pivoting to a B2B SaaS model for new market segments

Challenge

Business needed to evolve from white-label to a true SaaS platform to unlock new market segments.

Solution

Delivered a multi-tenant infrastructure and redefined onboarding flows for self-service adoption.

Result

Opened up new client segments (IFA networks); reduced onboarding cost by 60%.

Regulatory sales enablement for enterprise deals

Challenge

Sales stalled due to compliance requirements from enterprise clients demanding ISO certification.

Solution

Implemented ISO 27001 controls, risk register, and comprehensive security documentation.

Result

Passed procurement for multiple pension providers and neobank integrations.

Ready to transform your fintech with specialist CTO support?

Book a call to discuss how I can help you scale securely, accelerate delivery, and close more enterprise deals.

London office location

42 Narrow Street
London, E14 8DJ
United Kingdom

Contact information