Chief Technology Officer, Payoneer Digital Bank

Payoneer•New York, NY

About The Position

Payoneer empowers businesses to grow globally by connecting them to the world’s economy. As part of our continued expansion of regulated financial capabilities, we have submitted an application with the Office of the Comptroller of the Currency (OCC) to establish a U.S. national trust bank to support secure, compliant, and scalable money movement across traditional and digital rails. We are seeking a Chief Technology Officer to lead technology strategy and execution for the Bank. The CTO will oversee the design, integration, and governance of the Bank’s core financial systems while partnering closely with Payoneer’s broader technology organization to leverage shared enterprise capabilities. This role carries end-to-end accountability for ensuring the Bank’s technology environment meets high standards of operational resilience, cybersecurity, regulatory compliance, and financial integrity; while enabling modern, real-time settlement capabilities across both fiat and digital asset infrastructure.

Requirements

15+ years of senior technology leadership in banking, financial services, or regulated fintech
Experience overseeing core banking, payments, ledger, or treasury platforms
Strong understanding of regulatory expectations around operational resilience, cybersecurity, and third-party risk
Proven ability to operate in matrixed organizations and partner effectively across enterprise platforms
Experience supporting regulatory examinations or supervisory engagement

Nice To Haves

Experience with digital asset, blockchain, or stablecoin infrastructure in a regulated or institutional setting preferred

Responsibilities

Define & Evolve the Bank’s Technology Architecture
Ensure scalable, secure multi-rail capabilities across ACH, Fedwire, RTP, card networks, and approved digital asset rails
Drive modern API-first and cloud-based design principles aligned with regulatory expectations
Maintain clear architectural governance and system integrity standards
Partner Across Payoneer’s Platform Organization
Work closely with Payoneer’s centralized Engineering, Security, Compliance, and Platform teams to leverage enterprise services (e.g., KYC, fraud, data, cybersecurity, cloud infrastructure)
Ensure appropriate segmentation, access controls, and governance for Bank-regulated systems
Align roadmaps and delivery priorities across Bank and group stakeholders
Oversee Third-Party Technology Providers
Lead selection and oversight of strategic vendors for core banking, cloud, cybersecurity, digital asset infrastructure, and settlement services
Implement disciplined third-party risk management practices consistent with regulatory guidance
Establish strong performance monitoring and resilience standards
Support Regulatory & Operational Excellence
Serve as senior technology leader in regulatory engagement and examinations
Maintain robust change management, documentation, cybersecurity, and incident response programs
Build and lead the Bank technology domain in close integration with Payoneer’s broader technology organization
Support AI-native & modern engineering model
AI-native development and operations (AI-DLC, agentic QA, automation)
Real-time observability and resilience through automation