Tony A. — CTO

Engineering Leader & hands-on Payment Architect with 10+ years building mission-critical payment platforms at high-growth fintechs. Currently leading 20+ engineers at YouTrip, delivering multi-currency wallets and card payment platforms processing Billions of Dollars annually, serving millions of users across APAC. 🔹 What I do: ✅ Architect and scale payment infrastructure (card issuing, FX, cross-border payments, ledger design) ✅ Lead engineering teams delivering multi-currency wallets and business account platforms ✅ Design microservices architectures enabling seamless market expansion ✅ Manage all major payment integrations and third-party technical communications with 50+ banks and payment providers globally 🔹 Track record: ✅ YouTrip: Leading MCA and YouBiz engineering teams, owning core card capabilities including 3DS, top-ups, and business accounts. ✅ Aspire: Architected payment infrastructure (building multi-currency business accounts) across Singapore, Hong Kong, and Australia; designed microservices-based payment service architecture which integrated with business virtual account, payout and fx providers. ✅ Thunes: Integrated 15+ payment partners including Alipay, DBS, Grab, RippleNet, MoneyGram 🔹 Architecture expertise:Payment Systems | Card Issuing | FX/Cross-border | Ledger Design | Microservices | API Design | Distributed Systems 🔹 Tech stack:Golang | Python | PHP | Java | Kafka | PostgreSQL | Redis | Docker | AWS | Kubernetes🔹 I am passionate about building developer-friendly, resilient payment platforms and driving engineering excellence. I thrive at the intersection of strategy, architecture, and execution turning complex payments challenges into scalable solutions. Always open to connecting with fellow fintech builders and payment enthusiasts.

Stackforce AI infers this person is a Fintech expert with a focus on payment systems and microservices architecture.

Location: Singapore, Singapore, Singapore

Experience: 9 yrs 11 mos

Skills

Engineering Management
Microservices
Payment Systems
Payment Integrations
Team Leadership
Customer Onboarding
Project Management
Cross-border Payments

Career Highlights

Led engineering teams delivering scalable payment infrastructure.
Architected multi-currency wallets processing billions annually.
Integrated with 15+ payment partners for cross-border transactions.

Work Experience

YouTrip

Engineering Leader (MCA) (6 mos)

Aspire

Software Engineering Manager & Software Architect (Payment & FX Infra) (11 mos)

Associate Engineering Manager (Core Payments) (2 yrs 5 mos)

Team/Tech Lead (9 mos)

Thunes

Senior Software Development Engineer (Payment) (1 yr 3 mos)

DocDoc Pte. Ltd.

Senior Software Engineer (1 yr 2 mos)

Golden Equator Group

Software Engineer (2 yrs 7 mos)

BestTours Singapore

Freelance Web Developer (2 mos)

J. Walter Thompson Worldwide

Software Engineer Intern (5 mos)

Houde Internationl Education Ple. Ltd

English Teacher (Freelancer, Intern) (9 mos)

Bank of China

Research Intern (2 mos)

Education

Management Essentials Certificate at Harvard Business School Online

Master of Technology - MTech at National University of Singapore

Graduate at National University of Singapore

Bachelor's degree at Central University of Finance and Economics

Tony A.

CTO

Singapore, Singapore, Singapore9 yrs 11 mos experience

Highly Stable

Key Highlights

Led engineering teams delivering scalable payment infrastructure.
Architected multi-currency wallets processing billions annually.
Integrated with 15+ payment partners for cross-border transactions.

Stackforce AI infers this person is a Fintech expert with a focus on payment systems and microservices architecture.

Contact

Skills

Core Skills

Engineering ManagementMicroservicesPayment SystemsPayment IntegrationsTeam LeadershipCustomer OnboardingProject ManagementCross-border Payments

Other Skills

Software ManagementLeadershipGo (Programming Language)RDBMSApache KafkaRedisCommunicationAmazon Web Services (AWS)MySQLAgile MethodologiesTech LeadPayment GatewaysDatadogAPI DesignScrum

About

Experience

9 yrs 11 mos

Total Experience

1 yr 10 mos

Average Tenure

6 mos

Current Experience

Youtrip

Engineering Leader (MCA)

Dec 2025 – Present · 6 mos · Singapore · On-site

Senior Engineering Manager leading 20+ engineers building multi-currency wallets (MCA), card payment, and business account platforms (B2B) for high-scale fintech.
✅ Led YouTrip and YouBiz engineering teams delivering scalable payment infrastructure
✅ Owned core card capabilities: card issuing, top-ups, 3DS authentication
✅ Enhanced platform scalability through microservices, async processing, idempotency, and resilience patterns ✅ Built (career ladder) and coached engineering team career development programs

Software ManagementEngineering ManagementLeadershipMicroservicesGo (Programming Language)RDBMS+2

Aspire

3 roles

Software Engineering Manager & Software Architect (Payment & FX Infra)

Jan 2025 – Dec 2025 · 11 mos

Core Payment & FX Infrastructure & Technical Leadership
✅ Spearheaded the setup of Payment (Tech) Infrastructure in Singapore, Hong Kong, and Australia, covering debit account payouts, FX transfers, and payout/payin integrations.
✅ Designed and built Microservices-based Payment Service Architecture, enabling seamless market expansion and preparing tech infrastructure for new regions
✅ Managed all major payment integrations & third party technical communications with banks, payment providers
Team Leadership & Engineering Excellence
✅ Led a team of 10 engineers, fostering technical growth and career development
✅ Established engineering best practices, improving system reliability, performance, and security compliance
✅ Managed end-to-end payment flows, ensuring regulatory compliance and optimizing transaction monitoring
✅ Collaborated with Product Managers and business stakeholders to align engineering initiatives with strategic goals

Associate Engineering Manager (Core Payments)

Promoted

Aug 2022 – Jan 2025 · 2 yrs 5 mos

✅ Led the analysis, design, development, and delivery of software solutions that drive business value
✅ Designed and built scalable payment infrastructure (Designed and Implemented Aspire's First micro-services (plug & play payout-service from personal project))
✅ Led debit account payouts and FX transfers
✅ Led Payment (Tech) Infrastructure setup in Hong Kong
✅ Led payout and payin integrations, covering core money movement flows
✅ Designed, led, and built microservices-based payment service architecture (proof of concept delivered personally)
✅ Designed and developed API-based integrations
✅ Provided technical analysis and solutions for market expansion and prepared tech infrastructure for new markets
✅ Supported hiring, team performance management, and mentoring engineers
✅ Optimized money movement flows and implemented a Transaction Monitoring Tool for enhanced operational efficiency

Team LeadershipGo (Programming Language)MicroservicesCommunicationAmazon Web Services (AWS)Project Management+6

Team/Tech Lead

Nov 2021 – Aug 2022 · 9 mos

Technologies: Golang, Microservices, Laravel, Vue, Docker, CI/CD
Application: All-in-one finance operating system (B2B payments)
✅ Led Onboarding (KYC/KYB) Team, providing technical solutions for international business onboarding
✅ Innovated, designed, and developed Configuration as a Service, enabling expansions into new emerging markets without code changes

Team LeadershipTech leadCustomer OnboardingScrumPHPSoftware Development+4

Thunes

Senior Software Development Engineer (Payment)

Sep 2020 – Dec 2021 · 1 yr 3 mos · Singapore · On-site

Technologies: Golang, Perl, VueJs, Docker, CI/CD
Application: Cross-border Payment Service
✅ Integrated with bank accounts, mobile wallets, and cash-pickup services across APAC, including Alipay, DBS, Grab, CZ Bank, CC, RippleNet, MoneyGram, HDFC, TikTok Pay, and Grab Pay for payins and payouts
✅ Led and developed ad-hoc solutions beyond original project scope to address business and operational needs
✅ Migrated and rebuilt legacy integrations from Perl to Golang, improving performance, maintainability, and scalability
✅ Deployed and maintained custom bridging solutions for multiple incompatible APIs, enabling seamless cross-border money movement
✅ Ensured end-to-end reliability, error handling, and operational monitoring for high-volume cross-border transactions
✅ Collaborated with Product, Operations, and Compliance teams to align integrations with business objectives and regulatory requirements

PerlIntegrate Bank AccountMobile Wallets and CashpickupGo (Programming Language)CommunicationPostgreSQL+4

Docdoc pte. ltd.

Senior Software Engineer

Jul 2019 – Sep 2020 · 1 yr 2 mos · Singapore

Technologies: AWS, CI/CD, Unit Tests, Python, Django Rest Framework, Angular, PostgreSQL
Application: DocDoc Doctor Discovery Platform
✅ Designed, developed, and optimized REST APIs for the DocDoc platform
✅ Built scalable, maintainable backend services using Python and Django Rest Framework
✅ Implemented unit tests and CI/CD pipelines to ensure code quality and reliable deployments
✅ Developed Angular front-end components and integrated with backend APIs
✅ Optimized database queries and PostgreSQL performance for high-traffic usage

Golden equator group

Software Engineer

Nov 2016 – Jun 2019 · 2 yrs 7 mos · Singapore

Technologies: C#, PHP, Python, React, MySQL, DigitalOcean
Projects: Golden Equator Group Websites, Spectrum Global Website, Spectrum Mobile App API, Cerebro Platform (search engine) APIs
✅ Developed REST APIs for Spectrum Mobile App
✅ Integrated Access Door Control System (Brivo)
✅ Implemented Stripe payment integrations
✅ Built React/Redux components for web applications
✅ Designed and developed E-commerce website solutions
✅ Managed and maintained GE Group servers for reliability and uptime

Besttours singapore

Freelance Web Developer

Sep 2016 – Nov 2016 · 2 mos · Singapore

Technologies: AngularJs, NodeJs, Electron, MySQL
Application: E-commerce Website and Kiosk Ticketing System
✅ Built and deployed E-commerce website solutions
✅ Developed Kiosk (Ticketing Software) located at Fragrance Hotel Bugis, Singapore
✅ Implemented front-end components using AngularJs and desktop application functionality with Electron
✅ Developed backend services and data management using NodeJs and MySQL