David is an award-winning London-based CTO with extensive experience building challenger banks and next-generation financial platforms, particularly evidenced through multiple patent applications. He specializes in creating cloud-native, cutting-edge banking solutions utilizing advanced technologies including AI, Event-Driven Architecture, and Distributed Ledger Technologies.With deep expertise in both traditional and Islamic banking technology, David has successfully led the architectural design and development of multiple digital banking platforms from inception. He has particular strength in building regulatory-compliant financial institutions, having contributed to multiple banking and e-money license applications in the UK and EU.David excels at building and leading distributed technology teams, implementing efficient delivery models that combine onshore and offshore resources. He has a proven track record of developing comprehensive technology sourcing strategies and vendor selection frameworks that optimize for efficiency, cost, and time-to-market.Beyond pure technology delivery, David focuses on aligning IT capabilities with business strategic goals, ensuring technology serves as a business enabler rather than operating in isolation. His experience spans from early-stage startups to major financial institutions, giving him unique insights into scaling organizations effectively.As a recognized thought leader in digital banking transformation and fintech innovation, David regularly presents at industry events and advises financial institutions on their technology strategies. His expertise encompasses Cloud/Hybrid Cloud architecture, AI implementation, Cyber Security, Digital Organisation Transformation, and IT Change Process Efficiency.Some of the organisations David has worked with include; Vemi Money, Daniel Finance, Ziglu, Starling Bank, Centtrip, Vitality, FNZ, Identrust, Barclays Corporate, Barclays Capital, Barclays Mercantile, RBS, Royal Bank Ventures, Prudential, PWC and many more.
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Chief Technology OfficerVemi Money Sep 2023 - PresentLondon, GbVemi is a Shariah financial services group, that includes Vemi Money, a pre-licence UK based Fintech, focussed on shariah banking for UK Muslims.Led the complete architectural design and technical strategy for the UK's newest digital Shariah banking platform, implementing a cloud-first infrastructure utilizing Domain-Driven Design (DDD) and Event-Driven Architecture.Architected a modern data platform combining Data Lake and Lakehouse approaches to enable advanced analytics and AI-powered banking capabilities, positioning the bank at the forefront of intelligent financial services. Pioneered the integration of AI technologies to enhance product offerings and customer experience, creating innovative Shariah-compliant banking solutions.Developed and executed a comprehensive technology sourcing strategy, creating a balanced matrix of build/buy/rent/outsource decisions to optimize efficiency, cost, and time-to-market. Successfully conducted and managed vendor selection processes for critical banking systems, with particular focus on Shariah-compliant product structures and associated risk management.Key contributor to the bank's regulatory license application, authoring technical sections and providing expert responses to regulatory queries regarding technology infrastructure, security, and operational resilience.Established and currently leading a hybrid onshore/offshore technology team, implementing effective collaboration frameworks and proving the efficiency of the distributed delivery model.Recognized thought leader in both digital banking transformation and Islamic fintech, regularly presenting at industry events on innovative banking platforms and Shariah-compliant digital solutions. -
Board AdvisorZiglu May 2019 - PresentLondon, England, GbAs a Board Advisor and a founder of Ziglu, provide advice on technology and security, team structures and budgets to establish Ziglu's platform for a Mobile first digital/crypto currency marketplace. -
Interim CtoZiglu Dec 2018 - Apr 2019London, England, GbAs an interim CTO and a founder of Ziglu, set up the technology and security principles, team structures and budgets to establish the base platform for a Mobile first digital/crypto currency marketplace. -
Chief Technology OfficerDaniel Jan 2022 - Oct 2023London, GbWe’re developing new technology that changes the way we do global payments.Slow speeds and high fees—which affect the poorest the most—can be reduced to just a fraction of what they are today. DANIEL is a FinTech startup committed to enabling true borderless banking and accelerating financial inclusion, especially in the developing world. -
Chief Executive Officer / Chief Technology OfficerOpta6 Jan 2022 - Oct 2023Opta6 provides thought leadership in building next generation Banking and Finance platforms, that are multi cloud capable and utilising Distributed Ledger Technologies, such as Blockchain as well as AI. We focus on services to Fintechs providing full systems definition and development (software and infrastructure) lifecycle capabilities as well as subject matter experts in areas such as Mortgage Tech, Insure Tech as well as Banking Tech. Other areas include; IT Automation, Cloud/Hybrid Cloud, Cyber Security, Digital Organisation Transformation, Technology Innovation Strategy, AI and IT Change Process Efficiency. -
Founder & Ceo/CtoPenta.Technology Feb 2017 - Mar 2022London, United Kingdom, GbAs founder and CEO of Penta Technology, I got to lead up an engineering company that put great technology front and centre. We were a product and services based with a consultancy arm to help deliver, customise and support our propositions and ensure our customers get the maximum possible benefit from our technology and delivery techniques.We focussed on IT efficiency, with C level advisory, Enterprise DevOps consultancy, ePaaS.io platform and our Welsh Development Center where we do everything Cheaper, Faster and Better!! -
CtoPenta Consulting May 2016 - Mar 2022Epsom, Surrey, GbProviding strategy and guidance -
Cloud & Cyber Security ConsultantCenttrip Ltd Jan 2016 - Jan 2018London, England, GbCenttrip is a Fintech, specialising in FX for the travel currency market. Worked directly with the company’s CTO and board to develop and implement a Cyber Security strategy, automate their Windows / .NET Core environment builds and testing on AWS using a Continuous Delivery lifecycle. -
Infrastructure SpecialistStarling Bank Jan 2016 - Mar 2016London, London, GbWorked alongside the Bank’s CTO to develop a Cloud infrastructure and Cyber Security strategy and Architecture. -
Head Of Technology Group (South)Bjss May 2015 - Dec 2015Leeds, West Yorkshire, GbWith 160+ staff and generating over £14m pa, founded and headed up the Technology Group based in the south. Responsible for Architecture, Systems and Mobile Development, Test and Assurance, Infrastructure incorporating Private and Public Cloud, Cyber Security and Lean ITIL Service Design.Using the BJSS corporate strategy as a base, the role enables me to set the strategic direction for the whole group. The on-going work includes:1. Setting up a formal career structure2. Ensuring line management is effective3. Introduction of career objectives and mentoring4. Establishing a good practice DevOps method, with a supporting toolset, offering training where required5. Continuing to push BJSS up the value chain by developing new differentiating BJSS propositions6. Setting up ‘Community’ groups to help incubate new ideas7. Continued recruitment of the best technologists in the industry -
Head Of Architecture, Engineering, Infrastructure, Security & CloudBjss Dec 2014 - May 2015Leeds, West Yorkshire, GbWith 100+ staff, was responsible for all aspects of software and Infrastructure delivery to BJSS clients. -
Security And Infrastructure Practice LeadBjss May 2014 - Nov 2014Leeds, West Yorkshire, GbI created a new Security & Infrastructure Practice that also incorporated cloud solutions. My responsibilities included proposition definition, execution and wider service delivery. I grew the practice from scratch to 20 staff in 7 months before my role was extended to include Architecture and Engineering. -
ConsultantBjss Feb 2008 - Apr 2014Leeds, West Yorkshire, Gb -
Delivery Manager/Architect/Security & Test LeadForeign, Commonwealth And Development Office 2013 - 2014London, England, GbDelivered and Architected the first HMG 100% Cloud system on time and on budget, subsequently winning a ‘Digital Excellence’ award. This lead to televised interviews and presentations at the BBC.The project used a DevOps approach with Continuous Delivery and test automation, with some changes delivered into live in less than 4 hours. The system and support environment were manage using ITILv3, were HMG Accreddited and certified to ISO 27001, with zero non compliances at the independent audit -
Programme Delivery ManagerPlusnet 2012 - 2013Sheffield, S. Yorkshire, GbPlusnet is one of the UK’s leading ISPs and a whole owned subsidiary of BT. A major business change programme was falling behind plan and the solution architecture had yet to be defined. Reporting directly to the CIO, established 3 projects to deliver the programme and worked with the architecture department to define a cohesive solution architecture for a coordinated release. Working alongside the Programme Manager, managed a team of 50+, including Business Analysts, Architects, Engineers and Test Specialists to define, coordinate and deliver the programme prior to Christmas 2012.Since the programme went live, it has been recognised as a major success, with all sales and revenue records broken. Post release, defined, developed and rolled out an Enterprise DevOps, lifecycle, including Agile Enterprise Architecture for all Plusnet IT change programmes and projects. -
Cto/CooEca Limited Feb 2010 - Feb 2012Pangbourne, Berkshire, Gb -
Integration Architect & Programme Initiation ConsultantTesco 2011 - 2012Welwyn Garden City, Hertfordshire, GbEnterprise Agile Programme Initiation ConsultantDeveloped an approach to transform a 500+ person Onshore/Offshore, Multi-Supplier programme from a Waterfall approach to Enterprise Agile. Developed and rolled out a tailored, full IT change lifecycle process to:• Manage, Prioritise and Coordinate Business & IT Change• Deliver high quality requirements in a timely manner• Provided an Enterprise Architecture approach aligned to Agile• Utilise resources as efficiently as possibleCoordinate complex dependencies across multiple work streams both onshore and offshore.Integration Architect/Test LeadManaged, Architected and tested the delivery of a Tibco based integration capability, across multiple environments. Involved the day-to-day technical and delivery decision-making. Identified and delivered efficiency improvements such as automating build and deployment, to accelerate delivery and improve build consistency and also authored a number of integration design patterns to improve adaptor quality. -
Security And Lead Technical ArchitectRaytheon Jun 2007 - Jun 2010Arlington, Va, UsSecurity ArchitectLead the Security Enforcing Functions Project with 3 engineers to map the primary data flows through the system, showing where and how security was enforced. Developed the methodology to be used for the data flow mapping. The methodology and products were presented to CESG and the Home Office and were approved for continued development across the Programme.Developed, Policy, Specifications and design for a product to securely pass data between Internet Gateways and highly secure environments.Lead Technical ArchitectThe role involved working with HMG and other consortium members to provide an Architecture, Design and Technical Governance the following areas:• Application and Integration Architecture, SOA and J2EE based, delivered on the Oracle WebLogic product stack.• Infrastructure Architecture, including Data Centres, Environments, Operations, Networks, Fixed, Mobile and Hand Held Clients and Servers.• Security Architecture, ISO27001/2, CESG, CPNI and PCI DSS compliant, multi-zoned for different protective markings.• Designed Multi Domain PKI based on Entrust, Corestreet and Active Card• Lead Architect for 2nd generation passport PKI and Biometrics.• Technical Project Manager & Lead for £4m outsource deal.Provided analysis of HMG policies and Information Assurance standards to assist with production of programme security requirements and policies. -
Chief ArchitectHome Office 2006 - 2007National Biometric Identity Service (NBIS) was a joint initiative between UK Borders Agency and Identity and Passport Service (IPS), UK Visas and The Foreign and Commonwealth Office (FCO). The role of Chief Architect included:• Setting the overall project technical vision, methodology, technical work packages, plan and other team deliverables.• Development of Technical Specifications (Requirements), Architecture, Architectural Patterns, Business Cases and Budgets• Overall technical governance.• Implementation of Information Assurance (Security) requirements into all technical deliverables.• Liaison with business areas, major change programmes such as eBorders and Technical Design Authorities.• Alignment with delivery partner IT strategy.• Advising the commercial work stream on strategy and technical matters.Representing the project on various strategy committees to ensure alignment with overarching government policy and strategy.
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Enterprise & Solution ArchitectUk Home Office 2004 - 2006London, GbIND (now UK-BA)Engaged as an Architect to undertake a number of roles, including Enterprise Architecture, Architectural Strategy and Technical Assurance as part of Home Office IT. The role included the implementation of IT Strategy in working with IND’s Prime Integrator, Atos Origin in delivery of a series of key infrastructure renewal programmes. Additionally, to provide technical expertise into IND’s major business change programmes that had reach across the Home Office. Activities included:• Designing an IND wide Identity Management System to be federated with the broader Home Office.• Defining a Citizen Identity Management Strategy for Central Home Office.• Programme level IT budgeting.• Represent IND with the National Identity Cards Programme• Devising and documenting technical strategy including Security, Data Centres, Networks, Servers, Desktops, Applications and Application Components mapped to the Architectural Strategy following a SOA framework where appropriate.• Design, build and running of the IND research and development environment. -
Information Technology Strategy ConsultantPrudential Plc Mar 2003 - May 2003Central, HkReporting to the Head of Architecture, engaged to deliver a project to deliver a Blueprint Architecture for Infrastructure, covering the next 3 years, with a target vision for year 5. The project consisted of five domains, eBusiness, Desktop & Servers, Midrange and Mainframe, Data and Voice, with a strategy covering all domains plus domain specific documents. -
Chief Technology OfficerCor-Ibs Jul 2002 - Jan 2003A BaaS provider
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Technical LeadPwc 2003 - 2003GbAfter a short assignment to deliver an EAI positioning white paper for Waitrose, engaged by PWC to review and to provide an architectural vision for the PatientFirst Alliance’s bid to the NHS, valued at approximately £1.3bn. On delivery of the architectural piece, an extension was offered to the end of the bid process (31st October), to lead the technical work streams and the Technical Design Authority (TDA), working directly for the PFA.The role combined strategy with day to day hands on design work and included:· Responsibility for the end-to-end solution architecture including Information Security.· Production of supporting documentation to meet the demands of the bid process.· Liaison between Alliance members on technical maters and with regard to management of resources.· Technical lead on presentations to the Authority both to the end user community (130 people) and specialist panels.The final solution design included both .NET and J2EE web enabled components, all networking requirements (LAN & WAN), an end-to-end PKI, Security infrastructure (DMZ, Firewalls, Intrusion Detection, Individual/Machine identity management etc), Server configuration, multi site clustered Oracle databases, SAN technologies and also legacy integration. -
Technical AssessorRoyal Bank Ventures Limited 2002 - 2002 -
Strategy ConsultantRoyal Bank Of Scotland Business 2001 - 2002Edinburgh, Scotland, Gb -
Enterprise ArchitectBarclays Mercantile Business Finance Ltd. 2001 - 2001e-Enablement Programme -
Head Of Technical Design AuthorityBarclays Corporate & Investment Bank 2000 - 2001New York, Ny, UsBusiness Internet Banking Programme and Barclays Group -
Head Of Design & DeliveryBarclays Corporate & Investment Bank 1999 - 2000New York, Ny, UsBusiness Internet Banking Programme -
Technical SpecialistBarclays Capital Plc 1998 - 1999
Frequently Asked Questions about David Perry
What company does David Perry work for?
David Perry works for Vemi Money
What is David Perry's role at the current company?
David Perry's current role is CTO at Vemi Money.
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