I create the cultural foundation, team growth and sustainable structure that ensures the right decisions are made and quality products are securely developed, by understanding relevant market needs, business metrics and mastering cross-functional collaboration. A data-driven system that is scalable, resilient and replicable.
TECHNOLOGY · FINTECH · LEADERSHIP
Daniel Flavius
Lucica
Visionary technology leader, digital expert, innovator and CTO with 26 years of experience building products, organisations and large creative teams.
01 / ABOUT
Building technology,
products and teams.
Visionary leader, digital expert, technology innovator, author and public speaker with 26 years of experience, building and managing large creative teams (300+) and taking software design and development for products and services (SaaS) to a whole new level of efficiency.
Expert in Digital Banking, Fintech, Payments, Blockchain, Cryptocurrencies, Open Banking, Gaming/Gambling.
02 / VISION & MISSION
Build the cathedral,
not just the bricks.
Help organisations turn technology, people and ideas into meaningful, sustainable outcomes — with a long-term vision strong enough to inspire teams and shape what comes next.
Technology with purpose.
Lead technology, products and teams through continuous learning, co-creation and disciplined execution — creating environments where people can innovate, adapt and deliver real value.
03 / EXPERTISE
Technology Leadership
Technology strategy, engineering leadership, governance, delivery and organisational development.
Fintech & Payments
Digital banking, payments, PSD2, Open Banking and financial technology.
Software Engineering
Software architecture, R&D, distributed systems, cloud platforms and product development.
Innovation
AI, emerging technologies, product thinking and turning technical ideas into practical outcomes.
04 / CAREER
Chief Technology Officer · Arringo
Floriana, Malta
Leading the technology department at Arringo — B2B Software Product Development and BPO Fintech.
- Technology Mission, Vision, Strategy & Culture.
- IP across software products in Fintech, Crypto, Payments and Travel.
- Sustained growth and global operations expansion organically and via acquisitions.
- Large cloud operations and 24x7 global operations support.
- Offices in Malta (HQ), Latvia and Antigua.
Head of Technical Programs and Governance · PayMaya Philippines
Manila, Philippines
Large fintech with 28 million customers, heading technical program management and governance.
- Implemented regulatory requirements.
- Enhanced technology and engineering practices.
Programme Manager · Bank of Valletta plc
Malta
- Programme management: planning, tracking and reporting.
- Supplier management covering contracts, budgets, deliveries, integration and support.
- Managed the Digital Channels & Payments Team across BA, Development and QA/QC functions.
- Digital Channels: NextGen Online & Mobile Banking, PSD2, Open Banking and XS2A.
- Payments: SWIFT, SEPA, Instant Payments and AML.
- Participated in a Core Banking Transformation programme.
Head of Online Platforms and Electronic Channels · MeDirect Bank Malta
Malta
Implemented Agile methodology and led Agile Product Development, Continuous Integration Product Delivery, Software Maintenance, Application Support, Quality Assurance and Software Supplier Management.
Responsible for online platforms including eBanking, Investment Banking, Wealth Management and Payments, and electronic channels across the MeDirect Group:
- Mediterranean Bank — Malta
- Mediterranean Corporate Bank — Malta
- MeDirect Bank — Belgium
- Charts Investment Management — Malta
Director · Wolters Kluwer Financial Services
Romania / EMEA
Director of Wolters Kluwer Financial Services Romania (250+), responsible for Product Development Delivery across EMEA.
- Financial Compliance — Basel III, CRD IV/CRR, COREP and FINREP.
- Insurance Regulatory Reporting — Solvency II.
- Financial Risk — Risk Management.
- Built a core middle-management team and doubled the team from 120+ to 250+ within 1.5 years.
- Led a global EMEA team covering applications across 20+ countries.
- Achieved the third most profitable IT company in the region in 2014.
- Led the organisational transition to Agile, Lean Six Sigma and PMI from Waterfall/PRINCE2.
- Established collaborative culture focused on sustainable growth and low attrition.
Founder / CTO · intellmob
Bucharest, Romania
Designed the software architecture and developed the first version of a retail mobile app covering items, shops, shopping lists, GPS, prices, time-based promotions, pricing history, barcode scanning and shopping intelligence based on goals, pricing, number of stores and location.
Software Department Manager & Human Resource Manager · Gaming/Gambling
Timiș County, Romania
Managed technology, projects, corporate culture, recruitment, communication, development-process optimisation and people management.
- Led 100+ software specialists across 400+ games and high-availability, high-transaction web gaming portals, including downloadable and mobile versions.
- Managed Project Managers, Mathematical Modellers, Graphic Designers, Developers, QA Engineers, Network & System Engineers, DB Administrators and Technical Writers.
- Established culture based on Empowerment, Commitment, Excellence, Passion and Collaboration.
- Reorganised departments and implemented new technologies, platforms, frameworks, design patterns and QA regression scenarios.
- Improved development and testing efficiency to approximately 50% of previous man-hours/time-to-market.
- Implemented workforce cost-reduction measures including a tax-exempt scheme that increased qualifying staff net income by 16% without additional company cost.
Director of Software Research & Development · Devgo / Consitera AG
Romania
Started Devgo as the first employee and managed the software R&D start-up, including recruitment, product design and development, business/project/program management and office management.
- Led Agile requirements analysis, software design, R&D, testing, delivery and documentation through version 3.0 of the VMware, Citrix & Microsoft Workflow Product Family.
- Eliminated delays and maintained an error/bug rate below 1%.
- Lead Software Architect for a complex, high-transaction, scalable .NET/C#/ASP.NET/WPF/WCF/WF/Silverlight/MSSQL platform.
- Software architecture patented in Germany.
- Reduced software-requirement ambiguity by 60% through improved client communication.
IT Consulting Manager · Freelancer / Contractor
Timiș County, Romania
Provided software development (C++, C#, Java), programme/project management, ERP, CRM, BI, knowledge database consulting, ERP/CRM customisation and implementation, business-process optimisation, business development, strategy, software/hardware audits, web development, design and hosting.
IT Consulting Manager · Asdion Bhd (ASD)
Petronas Tower 2, Kuala Lumpur, Malaysia
Created custom project-management procedures for international ERP and CRM implementations, including government-level projects.
- Recruited, trained and managed an international consulting team of 10 Project Managers.
- Lead architect for several software designs.
- Implemented ISO-compliant Project Management, Risk Management and Change Management workflows.
- Achieved 50% improvement in project-loading capacity in 2006.
- Project managed 20 high-level international ERP & CRM implementations, including a $2m China ERP implementation for the travel industry.
- Researched emerging technologies and proposed future business solutions including RFID.
IT Consultant · Freelancer / Contractor
Various locations
Provided software development (C++, C#, Java), auditing, turnaround and development strategies, business-flow optimisation and viable business solutions for small and medium IT companies.
IT Manager · Protege-Parol
Timiș County, Romania
- Implementation and support for Expert ERP System v4 & v5 across Accounting & Finance, HR, Inventory, Custody, Sales/Invoicing and CRM.
- Led requirements gathering, Gap Analysis, design, development, testing and implementation.
- Managed weekly status meetings and reporting to the General Manager.
- Provided application/database administration, testing, support and internal user training.
- Designed and coordinated IT systems, network, telecommunications and security infrastructure.
- Managed procurement and supplier negotiations.
Software Developer · MindWork Technologies
Heilbronn, Germany
Worked on development of a Delphi/XML financial application while further developing Java programming skills.
05 / THINKING
Ideas worth exploring.
06 / DOCUMENTS
Professional documents.
LET'S CONNECT
Technology, ideas
and possibilities.
For technology leadership, product strategy, engineering, fintech or collaboration opportunities.
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