Tom Richards is a seasoned fintech technology leader and co-founder currently serving as CTO at MoneyMeans, where he’s building Aida, an AI financial adviser. Over ~15+ years of progressive engineering leadership he has grown and transformed teams—from hands-on principal developer roles to running 60-person SaaS departments and 50-person platform organisations—delivering API-first, secure, cloud-native investment and payments systems. He has a strong track record driving ISO27001 certification, embedding cloud resilience and security practices, and instituting scalable delivery processes across autonomous teams. Tom blends deep technical architecture and DevOps experience with people leadership, mentoring senior engineers and aligning product and engineering strategy. Based in the Greater Bristol Area, he pairs a BSc in Computer Science & Mathematics with practical expertise in performance tuning, application security and modern cloud architectures. A detail that often goes unnoticed: he has repeatedly led transformations that expanded small in-house teams into ISO-certified, enterprise-grade SaaS organisations.
5 years of coding experience
13 years of employment as a software developer
Training SQL Immersion: Performance Tuning, Training SQL Immersion: Performance Tuning at SQL Skills
A Levels Mathematics/Physics/Chemistry/Further Mathematics, A Levels Mathematics/Physics/Chemistry/Further Mathematics at William Brookes 6th Form
Scrum Master Training Computer Software Engineering, Scrum Master Training Computer Software Engineering at Agilify
GCSEs Various including Mathematics & English, GCSEs Various including Mathematics & English at Willian Brookes School
Training OWASP Threats and Mitigations | Application Security Thread Modelling | Security Code Reviews, Training OWASP Threats and Mitigations | Application Security Thread Modelling | Security Code Reviews at Security Innovation
Training Team Leadership, Training Team Leadership at Reed Learning
Training Microsoft Power BI Service, Training Microsoft Power BI Service at Burning Suit
BSc Computer Science with Mathematics, BSc Computer Science with Mathematics at University of Bath
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