Regulated FinTech Platforms
Jan 15, 2024
·
1 min read
The problem. Launching a Saudi FinTech that finances and invests through Islamic Sukuk means building correct, auditable money flows and clearing CMA and SAMA licensing before you can go live.
The approach. As CTO at Tarmeez Capital, I led architecture and delivery end to end — financing and investment workflows, back-office and compliance systems, and the controls and evidence needed for regulatory and Big-4 audits — on a modern stack (Go, React, Flutter, Kafka, PostgreSQL, Kubernetes).
The impact. We took the platform from a four-person pre-launch team to 40+ people and a live, CMA/SAMA-licensed Sukuk financing and investment platform, with the governance and audit trail to keep it compliant.
Authors
Ahmed K Emara
(he/him)
Chief Technology Officer · FinTech & Platform Engineering
I’m a chief technology officer with 18+ years building and scaling technology
organizations across regulated FinTech, payments, e-commerce, and enterprise
platforms. Today I’m CTO at Tarmeez Capital, a Saudi FinTech financing and
investing through Islamic Sukuk, where I took the platform from a four-person
pre-launch team to 40+ people and a CMA/SAMA-licensed launch. I write about
backend engineering, databases, security, microservices, and FinTech
infrastructure — the problems I actually hit in production.