Arivuvel Ramu | CTO
TONIK Bank

Ramu is the Chief Technology Officer (CTO) at Tonik Digital Bank Inc, the Philippines’ first purely digital neobank overseeing the Digital Banking IT Organization (Engineering, Technology, Security, Architecture, Vendor Management, and IT Bank Operations Units). He built and launched the first pure-virtual digital bank in SEA Region from ground-up over multi-cloud. He brings over 19+ years of expertise in information technology strategy, enterprise architecture, Innovative agile product development, program management, technology operations, procurement, vendor management, building an agile organization, it budgeting and cyber security from the banking and telco industries. Prior to joining Tonik, he served as IT Director for Capgemini Singapore where he spearheaded a Digital Transformation program for the leading telco in Malaysia. Further, Ramu worked as a Chief Architect (Deputy Director) for Tagit Singapore where he architected and implemented over two dozen retail and business banking solutions for some of the biggest names in banking such as DBS (SG and HK), UOB Retail and Business Banking and Maybank in Singapore, BSN and RHB in Malaysia, Citi and Axis Bank in India, and EON (Union Bank PH), Philippine National Bank (PNB) and Chinabank in the Philippines to name a few. A global citizen, Ramu is fluent in English, Tamil, Telugu and Hindi and currently resides in Singapore with his wife and two sons.   He holds a master’s degree in Computer Science from Bharathiar University (India), MBA at Murdoch University (Australia), and currently persuing a PG Diploma in Innovation and Design Thinking at Emeritus (MIT).