Chief Technology Officer
Stephen Winter
Brisbane, Australia
Technology executive with deep expertise in software development, architecture, and engineering leadership across Financial Services and Retail — operating at significant scale for some of the largest organisations in the UK and Australia. An executive who still writes code, staying hands-on with emerging technologies to maintain technical depth and credibility with engineering teams.
Experience
Chief Technology Officer
- Responsible for all Group technology (~400 headcount) within a regulatory environment, including offshore development, support and modernisation of the technology landscape.
Managing Director of Technology
- Reporting to CEO, responsible for all Technology in the Group, including offshore development, platform resilience, and Technology strategy.
Director of Technology Strategy and AI
- Established Architecture Governance committee and took ownership of all solution design.
- Stabilised all systems ensuring reliability and security of service.
Enterprise Architect – Digital
- Progressed from Solutions Architect to Enterprise Architect at Australia's 2nd largest insurer and 6th largest bank.
- Architectural responsibility for all self-service assets across Suncorp insurance, including strategy development.
- Design and strategy for developing and delivering frontend assets including the AAMI App.
Head of IT – Tesco Pay+ / PayQwiq
- Led the UK's largest retailer digital wallet, available in 3,000+ Tesco stores with 500K+ customers — transaction every 1.5 seconds.
- Won 'Best Achievement in Retail Payments' at the Card & Payments Awards.
- Grew the product from a small Proof-of-Concept to nationwide scale across both retail and banking.
- Software development, code review and coaching in Java (Spring Boot), Oracle, MySQL, and Cloud technology.
Tech Lead – Digital Banking Platform
- Led the redesign of the UK's largest Internet banking platform (10M+ users, 1.6 billion logins in 2015).
- Designed and implemented the Halifax Cashback Extras / Lloyds Everyday Offers data monetisation proposition.
- Oversight of redesigning the platform's secure site across multiple Group brands.
Expertise
Technology Leadership
Leading large-scale engineering organisations, setting technology strategy, and building high-performing cultures across global teams.
Enterprise Architecture
Designing and governing enterprise-scale architectures across financial services and retail, ensuring reliability, security, and scalability.
Security & Compliance
MSc in Advanced Security & Digital Forensics (GCHQ endorsed). Active OWASP contributor. Embedding security and compliance throughout the development lifecycle.
Cloud & Platforms
Hands-on experience with cloud technology, CI/CD pipelines, and platform resilience at scale across banking and insurance sectors.
Digital Products
End-to-end delivery of award-winning digital products — from mobile apps and digital wallets to internet banking platforms serving millions.
Software Engineering
Remains hands-on with emerging technologies and continues programming. Deep background in Java, Spring Boot, databases, and modern practices.
Education & Certifications
Certifications & Training
Let's Connect
Interested in discussing technology leadership, architecture, or potential opportunities? I'd love to hear from you.