2018 – 2020
Wise
CTO TransferWise for BusinessFCA-regulated · $11B publicDrove the strategic shift from app-first to API-first across the entire B2B division. £1B moved per week. 80 FTE across 6 global sites.
CPTO at BUX (ABN AMRO) · Amsterdam
Scale-up CTO. FinTech APIs. From 5 to 250 FTE.
- Wise
- Upvest
- Alpaca
- BUX
Fifteen years in executive leadership, twenty-six years shipping software. Built the B2B API infrastructure that powers banks, neobanks and brokers across Europe and the US. Now CPTO at BUX, ABN AMRO's Amsterdam neobroker, turning that same regulated-platform engineering into a customer-facing wealth platform.
01 · The arc
Four roles, one through-line: from B2B rails to consumer wealth.
2020 – 2025
Upvest
CTO & Co-founderBaFin-licensed · €640MBuilt Europe's investment-infrastructure API from zero. Scaled 5 to 120+, raised €180M, €50M ARR. Powers Revolut, N26, Bunq and Raisin.
2025 – 2026
Alpaca
CTO$1.15B Series D · 400+ partnersScaled a broker-dealer API for the AI era. 80 to 130 engineers. Shipped one of the first external MCP servers for a regulated brokerage API.
2026 – nowCurrent
BUX
CPTOABN AMRO · AmsterdamThe same regulated-platform engineering, pointed at end customers: turning ABN AMRO's neobroker into a wealth-building platform. The mandate is to migrate a second acquisition's savings book onto it, targeting 4× end users and 10× AuM.
02 · Playbook
Four capabilities I bring to every mandate.
Scale-up org design
Team Topologies, OKRs, empowered and autonomous distributed teams. Proven from 5 to 250 FTE across three FinTech platforms.
Regulated FinTech architecture
BaFin and FCA platforms, event-driven microservices, CQRS, cloud-native infrastructure, DevSecOps. Compliance-by-design baked into the SDLC.
AI-native engineering
First-mover MCP server deployment, agentic operations, agentic SDLC and software factories. Compounding velocity rather than swapping headcount for tools.
API-first platform strategy
Turning consumer FinTechs into platforms — partner integrations, embedded finance, developer experience as a first-class product surface.
03 · Track record
Twenty-six years shipping. Fifteen in executive leadership.
2026 – nowEuropean neobroker, wholly owned by ABN AMRO · Amsterdam · consumer wealth platform
BUX (ABN AMRO)Chief Product & Technology OfficerCurrent
From B2B rails to a customer-facing wealth platform.
First product-and-technology mandate combining both functions. The through-line from Wise, Upvest, and Alpaca is the same regulated-platform engineering, pointed at end customers rather than at other companies' APIs: turning a neobroker into a wealth-building platform, and absorbing the savings book of another ABN AMRO acquisition onto it.
4×End users (migration target)
10×AuM (migration target)
B2B → B2CInfrastructure to consumer wealth
2025 – 2026$1.15B valuation (Series D, $150M) · $10B AUC · $130M run-rate revenue · 400+ partners
AlpacaChief Technology Officer
Scaled brokerage infrastructure for the AI era.
Scaled engineering for Alpaca's broker-dealer and investment-infrastructure API at global scale, growing the organisation from 80 to 130 engineers against the company's 2.5× AUC growth target.
$10BAssets under custody
$130MRun-rate revenue
80 → 130Eng FTE (roadmap 250)
2020 – 2025Regulated B2B investment-infrastructure API · €180M raised (Series A–C) · €640M most recent valuation
UpvestCTO & Co-founder
From crypto custody to Europe's investment-infrastructure API.
Built Upvest from zero to a market-leading European investment-infrastructure platform powering Revolut, N26, Bunq, and Raisin. Scaled through two distinct phases — zero-to-one foundation building, then scaling to market leadership.
€180MRaised across Series A–C
50M+End-users on platform
5 → 120+Engineers scaled
2018 – 2020B2B division (Wise for Business + Wise Platform) · £1B moved/week · 80 FTE across 6 global sites · B2B grew ~75% YoY
Wise (formerly TransferWise)CTO TransferWise for Business
API-first transformation of Wise's entire B2B division.
Led engineering for Wise's entire B2B division — Wise for Business and Wise Platform. Drove the strategic shift to API-first across the org while the division grew ~75% YoY, twice the rate of the consumer business.
£1BMoved per week
75%YoY B2B growth
80FTE / 6 sites / 3 continents
2008 – 2015
FuturiceTechnology Director
Fifteen years compounding technical leadership.
Instrumental in scaling the company from a Tampere startup to an international consultancy of several hundred people, including establishing the Berlin and London offices. Led delivery for global enterprise clients including Microsoft, Nokia, and Samsung across a wide range of technologies and problem domains. Notable deliveries include the Windows 8 HERE Maps application, the Samsung Goal+ World Cup app across mobile and Smart TV platforms, and the Nokia N-series music player that shipped on hundreds of millions of devices worldwide.
5 → 500Grew with Futurice
6thEmployee at join
3Countries (FI · DE · UK)
04 · Proof
The numbers behind the title.
5 → 250Engineers scaledAcross Wise, Upvest, Alpaca
$25BAssets under custodyAcross BUX, Alpaca, Upvest
£1BMoved per weekWise Platform B2B
75%YoY B2B growthWise Platform under my watch
~$500MCapital raised across mandatesEarlybird · Notion · HV · Bessemer · BlackRock · Sapphire · Drive · Citadel
$100M+Run-rate revenue
50M+End-users served
20M+Trades / year at UpvestPeak 1M+/wk · 100K+ in a day
10+Regulators across 10 jurisdictionsGermany · Netherlands · Belgium · US · Canada · Japan · Singapore · India · Saudi Arabia · UAE
6Global sites at WiseLondon · Budapest · Tallinn · NYC · Tampa · Singapore
4FinTech platforms ledBUX · Alpaca · Upvest · Wise
2BaFin licenses securedCrypto custody bank + investment infra
05 · Selected ships
Things put into production that mattered.
- 01
One of the first external MCP servers for a regulated brokerage API — LLM-driven algotrading on real markets.
- 02
Strategic pivot at Upvest — from crypto custody to a comprehensive investment-infrastructure API.
- 03
API-first transformation of Wise's entire B2B division — division grew ~75% YoY, twice the rate of consumer.
- 04
Two BaFin licenses: one of Germany's first crypto custody bank licenses, plus investment-infrastructure license.
- 05
Opened US, Canada, Australia, Portugal through bank partnerships at Wise.
- 06
First Symbian GPU driver — OpenVG / OpenGL ES at kernel level. Shipped on hundreds of millions of Nokia devices.
06 · Beyond the day job
Board work, angel investing and operating principles.
Board · Advisory
Sustashift
Non-executive director · 2025 – nowAI-automated CSRD reporting for regulated companies.
Earlier advisory
Sanako · Blockchain & Climate Institute · Track (acq. Transporeon) · VaanaBoard, NED and advisor roles, 2009 – 2025.
Angel · Network
FIBAN (Finnish Business Angel Network)
Active angelActive angel investor — member of FIBAN.
Greencode Ventures
AdvisorPart of Greencode Ventures advisor network for deal sourcing and technical due diligence.
Operating principles
Builder firstI started as an engineer and stay close to the work. I lead organisations I would want to work in.
Compounding velocityEvery quarter the team should be faster than the last — through better people, better tooling, better architecture, and now AI.
Regulated by designIn FinTech, compliance is part of the platform, not a checkpoint at the end.
Distributed by defaultI have run engineering across six time zones and three continents. Talent does not cluster geographically anymore — neither should the work.
07 · Get in touch
Building consumer wealth at BUX. Always up for comparing notes.
I'm not looking for a new executive mandate. I keep time for board and advisory conversations, for founders building on regulated rails, and for anyone wrestling with the same migration and platform problems. A candid call, no deck, no agenda.
- Now
- CPTO at BUX (ABN AMRO) · Amsterdam
- Open to
- Board · Advisory · Angel
- Sectors
- FinTech · B2B SaaS · Regulated platforms · Embedded finance · Investment infrastructure
- Not seeking
- Not looking for a new executive mandate.
- [email protected]
- Response
- 1-2 days