10 CTOs in Payments
All ten payments CTOs here hold the title today, from Ryan Loy at Global Payments Inc. and Ahu Chhapgar at Paysafe to Nicolas Esteves, who describes growing NALA from 7 people to 100. Several also held technology titles at Mastercard, Citi, RBC, ACI Worldwide and EVO Payments, so the group fits a payments company weighing build-or-buy choices, security architecture or how to grow engineering as volumes climb.
Professionals to explore
Ahu Chhapgar
LinkedInExperience: Chief Technology Officer · Paysafe
Leading global technology strategy and overseeing product engineering, architecture and innovation for secure, scalable payment solutions is Ahu Chhapgar's job as Chief Technology Officer at Paysafe since 2024. Ahu was Global CTO and US COO at Zip Co (2021-2023), Managing Director, Global Head of Payments and Receivables Technology at Citi (2018-2021) and SVP, Digital Payments Technology at Mastercard (2015-2018), a fit for platform architecture questions.
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Faouzi Kassab
LinkedInExperience: Former Chief Technology Officer · BlueSnap
Instant payments orchestration is what Ingo Money delivers, and Faouzi Kassab joined it as Chief Technology Officer in 2026 after serving as Chief Technology Officer at BlueSnap (2013-2026). Faouzi was also Head of IT - Distributed Applications at ING Nederland (2010-2013) and held Chief Technology Officer - Wholesale (2006-2008) and Vice President - Analysis & Design (2008-2010) titles at ACI Worldwide, relevant for instant payments questions.
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James Czekner
LinkedInExperience: President and Chief Technology Officer · Echelon Payments
President and Chief Technology Officer at Echelon Payments since 2025, James Czekner held the Chief Operating Officer and Chief Technology Officer titles there (2023-2025). James was Chief Technology Officer and Division President at EVO Payments, Inc. (2003-2013) and co-founded Meta Section, LLC (2013-2023), and describes 30+ years in payments technology with scalable and secure designs, a good match for a CTO who also carries operating duties.
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John Minutaglio
LinkedInExperience: Chief Technology Officer · Payarc
Payarc, a payments platform offering omnichannel processing and AI-powered tools for merchants, has had John Minutaglio as Chief Technology Officer since 2024. John has held the CTO title at Marquis (2022-2024), Strategic Link Consulting (2018-2022) and Linq3 (2015-2018), which makes John a fit for merchant processing technology questions.
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Lukasz Strozek
LinkedInExperience: Chief Technology Officer · Marqeta
Marqeta's global payments infrastructure, which serves some of the world's largest brands, is where Lukasz Strozek has led engineering as Chief Technology Officer since 2026. Lukasz was CTO at LendingClub (2024-2026) and Hippo Insurance (2020-2024) and Vice President, Engineering at Bolt (2019-2020), so questions on engineering culture and payments infrastructure fit well.
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Nicolas Esteves
LinkedInExperience: Chief Technology Officer · NALA
Nicolas Esteves, Chief Technology Officer at NALA since 2020, runs four engineering teams as well as the data, security and infrastructure teams, and describes growing NALA from 7 people to 100; NALA's stated mission is to build payments for the Next Billion. Nicolas was earlier Security Consultant at Typeform (2018-2019) and Backend Engineer at ComplyAdvantage (2017-2019), relevant for questions on growing a payments engineering organization from a small start.
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Rinku Sharma
LinkedInExperience: Chief Technology Officer · Boost Payment Solutions
At Boost Payment Solutions, Rinku Sharma is Chief Technology Officer (since 2024) and describes 20+ years leading engineering, data, AI/ML, security and platform organizations in fintech and B2B payments. Rinku was Director - Software Development Manager - Data Science and Fraud Engineering at Audible (2022-2024) and held Director and Senior Director titles at RBC, including Director, Head of Transaction Data Services (2014-2017), a fit for fraud and payments data questions.
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Ryan Loy
LinkedInExperience: SEVP & Global Chief Technology Officer · Global Payments Inc.
As SEVP & Global Chief Technology Officer at Global Payments Inc. since 2024, Ryan Loy leads all facets of technology, including infrastructure, cybersecurity, artificial intelligence and global product engineering. Ryan was a Partner at McKinsey & Company (2022-2025) and a Board Advisor at Stellar Cyber (2020-2022), which suits questions on cybersecurity and infrastructure in a payments business.
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Shahar Ziv
LinkedInExperience: Chief Technology Officer · Pay.com
Listed among Forbes 30 Under 30, Shahar Ziv has been Chief Technology Officer since 2022 at Pay.com, an online payment processing company that lets users accept online payments. Shahar was Chief Technology Architect (2018-2020) and then Chief Technology Officer (2020-2021) at Engage.com, useful for online payment acceptance questions.
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Tim Joslyn
LinkedInExperience: Chief Technology Officer · Paymentology
Since 2024 Tim Joslyn has been Chief Technology Officer at Paymentology, and describes over 25 years in technology, a decade of it in payments, working alongside private equity in senior technology and product roles. Tim is also Co-founder and Chairman of Jump24 (since 2014) and Founding Investor at Luscid (since 2022), which suits questions on payments technology under private equity ownership.
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Choose the right perspective
Ahu Chhapgar, Rinku Sharma and Faouzi Kassab held earlier titles at Citi, Mastercard, RBC, ING Nederland or ACI Worldwide, which helps with partner bank and network integration questions. For payment acceptance, John Minutaglio (Payarc) and Shahar Ziv (Pay.com) are the closest match, James Czekner and Ahu Chhapgar have combined CTO and operating titles, and Nicolas Esteves suits a company growing its first engineering teams.
Questions to take into the conversation
- 01How do you decide which parts of payment processing to build in-house and which to leave with processors as volume grows?
- 02What changes in fraud engineering when a payments company adds instant payouts to card acceptance?
- 03Which security and compliance controls should a payments CTO own directly rather than hand to a separate security team?
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot; roles marked former had ended by then. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.