About Terrence
Professional Bio
I build and scale technology organizations by turning emerging technologies into competitive weapons. As a Chief Technology Officer with 25+ years of executive leadership, I specialize in AI, blockchain infrastructure, decentralized finance, fintech innovation, and Web3 platforms. I’ve built that expertise the hard way—scaling engineering organizations from 5 to 60+ members across multiple continents, stewarding multimillion-dollar technology budgets, and delivering production systems that serve hundreds of thousands of users with 99.99% uptime.
The future belongs to organizations that harness emerging technologies strategically—understanding where they create genuine business value and where proven approaches remain superior. I architect AI/ML strategies that sharpen operational decision-making, design blockchain systems that unlock new business models, build fintech platforms that broaden access to financial services, engineer DeFi and tokenization protocols that reimagine capital markets, and create Web3 applications that shift platform dynamics. These aren’t experiments—they’re production systems processing real transaction volume and generating measurable revenue impact.
Today my advisory work runs to the heart of regulated finance. I direct enterprise architecture for digital-asset and stablecoin capabilities inside federally regulated banks (OCC / Federal Reserve / FDIC oversight), including participation in a multi-bank tokenized-deposit consortium, and I lead blockchain transformations for specialty-finance firms operating in the multitrillion-dollar receivables market. I position these platforms for the emerging regulatory regimes—the GENIUS Act in the U.S. and MiCA in the EU—so innovation stays defensible under examination. That builds on a track record of representing technology vision through SEC and FINRA audits with zero regulatory findings, modernizing institutional trading infrastructure to improve execution performance by 45% while processing billions in daily volume, and increasing a fintech parent company’s valuation by 60% through a tokenization platform.
But technology is only as good as the teams that build it. I lead with authenticity, empathy, and the conviction that inclusive cultures produce superior results. My approach creates environments where engineers thrive, innovation flourishes, and execution excellence becomes the standard—fostering ownership and empowering teams to solve genuinely hard problems. I also run a deliberately lean, senior practice that uses AI as a force multiplier, delivering full strategy and specification packages that would traditionally demand far larger teams.
I’m currently working with companies across every stage—from startups to enterprises—navigating AI, blockchain, and digital transformation. I focus on responsible AI adoption that delivers ROI, blockchain infrastructure that solves real business problems, DeFi and tokenization protocols scaling toward institutional adoption, and transformation strategies that create lasting competitive advantage. If you’re building a technology organization where emerging innovation drives core business value, let’s talk.
Career Overview
Experience
Web3Advisors
Newport Beach, CA
Chief Technology Officer & Strategic Technology Advisor
01/2021 – Present
Web3 Advisors is a strategic technology advisory firm operating at the convergence of artificial intelligence, blockchain/Web3, and financial markets. As Chief Technology Officer, I guide transformational initiatives for regulated financial institutions, specialty-finance companies, capital-markets platforms, and frontier consumer-technology ventures. Representative work includes directing enterprise architecture for digital-asset and stablecoin capabilities inside a federally regulated bank participating in a multi-bank tokenized-deposit consortium; leading a blockchain transformation that repositioned a specialty-finance company across the multitrillion-dollar global receivables market; and advising Web3 marketplaces, DeFi services, and DAO-governed platforms serving hundreds of thousands of users. Engagements span blockchain architecture, tokenization and digital-asset strategy, AI/ML strategy, and regulatory-examination readiness (SEC/FINRA, OCC/Fed/FDIC, GENIUS Act, MiCA).
Wedbush Securities Inc
Los Angeles, CA
Chief Technology Officer
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Wedbush is a leader in the financial industry providing its clients with a wide range of services; including institutional sales, correspondent clearing services, equity research, corporate and municipal finance, equity market making, fixed income trading, prime brokerage, and wealth management. As Chief Technology Officer, I led trading-platform and infrastructure modernization for the institutional broker-dealer—improving market-execution performance by 45% while processing billions in daily transaction volume, maintaining 99.99% uptime across high-frequency trading operations, and representing technology vision through SEC and FINRA audits with zero regulatory findings. I also directed a proof-of-concept evaluating cryptocurrency trading and digital-asset infrastructure integration with traditional broker-dealer systems.
CLOUT LLC
Los Angeles, CA
Chief Information Officer
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CLOUT is a FinTech startup and cash-rewards platform that uses artificial intelligence to form mutually beneficial partnerships between consumers and businesses. Members receive bonus cash back and VIP perks from companies eager to earn their business, while companies gain actionable data on their target demographic and their competitors’ best customers. As Chief Information Officer, I built the company’s technology roadmap and an AI-driven data product connected to the accounting, money-transfer, and identity-verification APIs of more than 19,000 participating banks. I also led the company’s expansion into blockchain digital securities—architecting a white-label equity token offering (ETO) platform that increased the parent company’s valuation by 60% and drove 250% platform-adoption growth—while enhancing search algorithms by 70% and Big Data processing by 80%.
IGM Global Inc
Cambridge, MA
Chief Technology Officer
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IGM Global is an EdTech startup and world-class online education delivery platform which has a global footprint serving regions all over the world with training by recognized global thought leaders and localized content servicing executives from large global companies. IGM Global Inc. (IGA) is the US based subsidiary of the Institute of Global Management in Korea (IGM). IGM has trained over 15,000 C-suite executives from large multinational companies such as Samsung, LG, BMW, IBM, etc. As Chief Technology Officer, I provided architectural design and technical guidance to launch the company’s global online education platform.
Education
University of Phoenix
Bachelor of Science in Information Technology
The Bachelor of Science in Information Technology (BSIT) program provides the knowledge to successfully apply information technology theory and principles to address real world business opportunities and challenges. The program covers fundamental and advanced knowledge in a variety of IT related topic areas. The program provides the opportunity to specialize through the selection of University of Phoenix IT academic certificates, aligned to industry certifications, to support IT career goals.
Certifications

Certified Blockchain Solution
Architect Issuing organization: Blockchain Training Alliance
Issue date: November 2021
Credential ID:98278bad09047e17361147c8e25d84a124 06d758a52e523426d3cafff45f1ffd
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Certified Solution Architect - Associate
Issuing organization: Amazon Web Services (AWS)
Issue date: October 2020
Credential ID: YDDBQ9BDCEE4Q6SY
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Certified Cloud Practitioner
Issuing organization: Amazon Web Services (AWS)
Issue date: April 2020
Credential ID: Z2TV1ZN2MJ1E1M94
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Leadership & Technical Expertise
Executive Competenices
STRATEGIC LEADERSHIP
Drives organizational vision and innovation, leading enterprise-wide change-management initiatives. Demonstrates strong business acumen, aligning technology strategy with business objectives, and implements comprehensive risk-management and compliance frameworks that ensure organizational resilience and regulatory adherence.
BLOCKCHAIN & WEB3 EXPERTISE
Pioneers blockchain and Web3 technologies—designing tokenization strategies, smart contracts, and decentralized applications spanning DeFi systems, DAOs, digital-asset marketplaces, tokenized deposits, and on-chain securitization. Architects compliance-aware token taxonomies and drives adoption of cutting-edge blockchain ecosystems that increase user engagement and transaction volume.
CLOUD COMPUTING & DEVOPS MASTERY
Architects and migrates systems to cloud environments—particularly AWS—enhancing scalability, reliability, and security. Implements DevOps practices and microservices architectures that optimize infrastructure and reduce cost while improving performance, achieving high system uptime with meaningful published SLAs/OLAs.
AI & BIG DATA INNOVATION
Leverages artificial intelligence, machine learning, and big-data analytics to drive business insight and decision-making—implementing predictive models, recommendation and personalization engines, fraud and anomaly detection, and MLOps practices that improve data-processing efficiency and decision accuracy.
PEOPLE MANAGEMENT & TALENT DEVELOPMENT
Builds and scales high-performing, diverse technical teams—from small groups to large, multi-disciplinary, multi-continent units. Implements upskilling programs that boost productivity, fosters cross-functional collaboration, and creates inclusive, innovative environments that drive personal and professional growth.
AGILE & PRODUCT DEVELOPMENT LEADERSHIP
Leads agile transformations using SCRUM, Kanban, and scaled-agile methodologies. Spearheads product development across fintech, edtech, and Web3, establishing clear performance metrics and KPIs and significantly reducing time-to-market for new features and products.
COMMUNICATION & STAKEHOLDER MANAGEMENT
Excels in executive communication, engaging stakeholders at every level. Demonstrates thought leadership through public speaking and industry contributions, and manages client and partner relationships strategically to ensure high satisfaction and long-term partnerships.
FINANCIAL STEWARDSHIP & VALUE CREATION
Manages technology investment strategically—developing and overseeing budgets and resource allocation, applying expertise in tokenomics and crypto-economics, and driving value creation that directly impacts revenue and market share. Successfully supports fundraising efforts and manages capital effectively.
OPERATIONAL EXCELLENCE
Manages complex, global technology operations, ensuring seamless functionality across diverse geographies. Implements localization strategies for varied cultural and regional requirements and achieves high performance and reliability in multinational technology ecosystems through continuous process optimization and performance monitoring.
Technical Expertise
Recommendations

I am writing to offer my highest recommendation for Terrence Gatsby, with whom I had the pleasure of working during his tenure as consulting Chief Technology Officer at the cryptocurrency development company.
As a partner at Core Legal law firm specializing in data protection, privacy laws, and cryptocurrency regulations, I worked closely with Terrence on developing company’s sustainable financial system. During our collaboration, Terrence demonstrated exceptional expertise in:
• Co-authoring key technical documentation, including our whitepaper and Universal Basic Income framework
• Designing comprehensive product and technical specifications for the App
• Architecting robust blockchain solutions that balanced innovation with practical implementation
• Providing strategic technological guidance across various aspects of the company ecosystem
• Implementing sophisticated security measures and compliance frameworks that satisfied complex regulatory requirements
• Developing a technical roadmap that enabled scalable growth while maintaining system integrityWhat sets Terrence apart is his unique combination of technical brilliance and exceptional people skills. His extensive experience with Web3 technologies, DeFi protocols, and token economics allows him to architect sophisticated solutions to complex problems. At the same time, he has a rare talent for making these complex blockchain concepts accessible to everyone, creating bridges between technical and non-technical stakeholders.
Terrence’s contributions were vital to establishing cryptocurrency company in Estonia and developing its platform’s distinctive features, including global payment system, UBI distribution mechanisms, and decentralized governance model. His deep technical knowledge of blockchain architectures, smart contract development, and cross-chain functionality enabled us to build systems that were not only innovative but also secure, scalable, and operationally sound. His understanding of both blockchain technology and regulatory requirements resulted in a technical implementation that balanced decentralization principles with practical compliance considerations.
Beyond his technical capabilities, Terrence is an exceptional team builder who brings out the best in everyone around him. He consistently demonstrates a deep respect for diverse perspectives and creates an inclusive environment where all voices are heard.
Any organization would be fortunate to have Terrence’s rare combination of visionary leadership, technical expertise, and exceptional emotional intelligence. I confidently recommend him for any senior technology leadership role, particularly in organizations that value both technical excellence and compassionate, people-first leadership.

Terrence is an exceptional executive leader with a strong focus on team-building and development, something that has paid dividends to Forj as a remote scale-up organisation. His approach to problem-solving and commitment to excellence is an asset that lends itself perfectly to a technology-focused company, web3 or otherwise.

I had the pleasure of working with Terrence for one year, during his tenure as CTO at Forj. As a colleague, Terrence impressed me with his technical expertise, strong leadership skills, and unwavering commitment to building a people centric team in a challenging fast paced and remote environment.
During Terrence’s time as CTO, he played a critical role in shaping the technical team into a high functioning department.
Terrence was a pleasure to work with on a personal level. His friendly and approachable demeanour made him a go-to resource for many colleagues across the organization, and his ability to build and maintain strong relationships across multiple departments and vendors was crucial to our journey to success.
Overall, I highly recommend Terrence for any leadership role in the technology space. He has a proven track record of success, a wealth of technical knowledge, and the interpersonal skills necessary to excel in any team environment.

I am delighted to recommend Terrence, who served as the CTO at Forj. Our paths crossed frequently as he spearheaded a transformative agenda across the engineering department, reshaping it into an incredibly efficient, results-oriented team. One of Terrence’s many strengths was his unwavering commitment to deliver value early and consistently, all while adhering to agile practices within engineering and product.
Yet, what truly sets Terrence apart is his extraordinary people skills. His leadership style is an amalgamation of thoughtfulness, integrity, and transparency. His ability to inspire, guide, and invest in his team’s development is simply remarkable. He has an innate talent for fostering a positive and inclusive work environment that encourages open communication and collaboration.
Terrence’s technical expertise as a digital practitioner is extensive and impressive, but it’s his approachability and unwavering support for his team’s development that truly make him stand out. He extended his support not only to his direct reports but also to colleagues from all departments, always willing to lend a helping hand or share his wisdom.
In essence, Terrence is a leader of extraordinary caliber, combining technical mastery with exceptional people skills. His contributions have left an indelible mark on Forj and on those who had the pleasure of working with him. I wholeheartedly endorse him for any future endeavors, confident that his exceptional leadership and interpersonal skills will be a valuable asset to any team.

I had the pleasure of working alongside Terrence in the Executive team at Forj, I can attest to his exceptional leadership, technical expertise, and strategic vision.
He has the ability to balance big-picture thinking with keen attention to detail. Also, he consistently demonstrated a deep understanding of our industry and leveraged his technical expertise to identify opportunities for optimization and improvement across the organization. His strategic vision and technical acumen helped us to stay still during a very long bear market and propelled us out of the curve in an ever-evolving technological landscape.
In summary, I highly recommend Terrence for any future leadership role. He is an exceptional CTO who possesses a rare combination of technical proficiency, strategic vision, and strong leadership skills.

What set Terrence apart is his exceptional people skills, which make him an outstanding leader and manager. Always supportive and attentive to the team’s needs, Terrence promoted a 180-degree change in the direction of the Tech department, bringing the overall quality and image of the team to another level. Terrence also brings a very rare set of skills based on his vast experience in the Industry and the ability to understand both business and tech equally.

I worked under Terrence as a Senior Product Owner and I must say both myself and our tech team grew professionally and became much more efficient.
Terrence is an inspiring and diligent leader how trusts his team and delegates, no micromanagement was ever noticed. This way of empowering boosted our motivation and output visibly.
Besides, he knows the blockchain and fintech space very well, and he was the driver behind ensuring our processes and tech stack are up to the mark and scale.
Terrence has also helped us build the product team, guiding us with his product and market experience and expertise: we became much more agile and lean and reduced our time-to-MVP drastically.
All in all, Terrence shaped a collective of very capable professionals who have a clear vision to work towards and who are very much like a united tribe. Everybody knows their responsibilities and trusts each other.
I’m looking forward for our professional paths to cross again.

I had the pleasure of working under Terrence as a project manager at Forj. I was especially impressed by his technical expertise, leaderships skills and interpersonal abilities. This was my first tenure within the blockchain space, Terrence was incredibly approachable and helpful in answering the many technical questions that I had for the tech team.
A compassionate leader who promotes empowerment over micromanagement whilst leading his teams. He revolutionised the tech team and got it up and running like a well oiled machine. I would have no hesitation in recommending Terrence for the position of CTO. He will be surely missed at Forj and he will be an extremely valuable addition to any team.

My strong belief that Terrence is a team player.
I was glad working under his guidance and management because of his:
- Strong communication skills
- Clear and long-term vision
- Collaborator
- Can organise team and it’s work worldwide
- Can operate in hard and tough situations without panic and cold and calm mind
That meant a lot for us our team and we reached out many great results as:
- Dramatically increased speed of delivering product and features ( by 50% at least)
- Decreased the level of bugs and mistakes (by 70%)
- Improved the quality of work by approaching SCRUM method + systematical approach to work
- Every step was documented and instructed with his guidance
P.S. Best boss I ever worked with

I had the pleasure of working with Terrence during our time at Forj. Terrence was very instrumental in creating our new tech-team by interviewing and hiring a bunch of qualified and technically sound candidates. He was at the forefront of putting together a very capable blockchain team and transitioning them onto various Forj projects, ensuring a short learning curve in the process. His leadership skills, deep understanding of blockchain at a conceptual and technical level, and in-depth understanding of the market were great assets to our different technical teams at Forj.
Besides his knowledge and leadership skills, one thing that always stood about Terrence is that he was available round the clock and always willing to assist team-members on all fronts. What Terrence brought to the table in terms of years of experience in the blockchain as well as the IT field was unique, and that, coupled with his energy and hard work, made him a very crucial part of the company.


After working for many companies, what I can contrast with Terence is that he is a very detailed, professional person, dedicated to the formation of excellent teams, always attentive to any type of administrative, personal or professional need of each one of the members. That is, something that often cannot be witnessed.
I always like to think that companies are made up of people. Therefore, from there is born the best service or product that one can imagine as an individual.
That is why, if at any time you need a person who has the ability to form an excellent team or maintain an existing one with the best possible execution, close monitoring of any type of event and decision-making that will undoubtedly transfer to the Company towards the right path for people who own a business or investors who want the best results. I definitely recommend Terence. Like one of the best candidates you can get.

I worked with Terrence as a Senior Blockchain Developer and I can say he is an excellent CTO.
He sets realistic goals and gives reasonable deadlines to complete the goals.
His knowledge is vast and extensive, and he possesses exceptional leadership skills.
I look forward to working with him again.

I highly recommend Terrence for any CTO position. In my time working with Terrence at Forj, I have been consistently impressed with his deep knowledge and experience in blockchain technology and its applications.
Terrence has a proven ability to lead the development and implementation of complex solutions that deliver real business value. He also has shown a strong track record of successfully navigating the challenges that arise in the world of blockchain technology. Terrence also holds concise communication skills, and is able to bridge the gap between technical and non-technical users, effectively communicating complex technical concepts in a clear and concise manner.
I am confident that Terrence would be an incredibly valuable asset to any organization.

It is rare to come across a CTO who not only possesses Terrence’s level of skill and efficiency but also a true commitment to providing a supportive team atmosphere that encourages excellence through growth.
I have the pleasure of working with Terrence at Forj and am continually impressed by his ability to successfully plan and execute multiple projects at once, keeping track of details and projections at every stage. He is able to do this while maintaining the highest standard of integrity for his team and graciously giving his time outside of the tech department so everyone understands how to make a project succeed.
Terrence’s knowledge-sharing and genuine passion for new and innovative trends make me feel quite lucky to be working with one of the best in the field.

I am pleased to offer my endorsement of Terrence Gatsby for any leadership or technical executive positions. During my tenure as Chief Revenue Officer at Datassure, I had the opportunity to work closely with Terrence, and I was continuously impressed by his expertise, creativity, and ability to drive change.
Terrence was responsible for overseeing the development and implementation of end-to-end IoT solutions at Datassure that generate exclusive data streams. His leadership and technical skills were critical in establishing a cohesive team, devising a technical roadmap, and executing it with excellence.
Terrence’s knowledge of IoT solutions and data curation is unparalleled. He is a natural leader and motivator, continuously challenging his team to push the limits of what is possible. I wholeheartedly recommend Terrence for any leadership or technical executive position in the fields of A.I., data curation, and IoT solutions. His expertise, creativity, and leadership make him an invaluable asset to any organization.


I have known Terrence Gatsby for some time. He has held the role of Chief Information Officer at Clout.com, where I am the COO. In all my years of experience, Terrence stands out for his professionalism including his intelligence, work ethic, integrity, positive attitude, teamwork mentality, leadership, diligence, and project management skills. He is well respected throughout the organization for being the “go-to” person for information technology advice and guidance.
Throughout the time I’ve known him, he has consistently demonstrated a positive attitude that influences everyone who comes in contact with him. During his time with Clout, he played an important role in helping launch the company’s online products. This included developing the company’s technology roadmap in order to establish an A.I. driven data product connected to the accounting, money transfer, and identity verification Application Programming Interface (API) of over 19,000 participating banks. In fact, he has been so effective in this role that Clout is now considered one of the leading financial technology firms in the arena of card-linked rewards and transactional intelligence.
In summation, due to his great attitude, dedication, and excellent potential, I would heartily recommend Terrence Gatsby for additional services in a consulting or advisory role. I am confident he would be a great asset to any team or organization.

I worked very closely with Terrence, he was always a beacon of positivity and a pleasure to see in our office, demonstrating an expansive skill set in both technology and people management. I have worked with a lot of executives in tech and not one has had the depth of character and friendliness that Terrence possesses.
What stood out to me most about working with Terrence, was his depth of knowledge in technology. Often times executives at his level simply point and command because they either don’t have the wherewithal to get things done or they prefer to simply tell others what to do. Whenever our dev team encountered roadblocks Terrence was there to lead them through in a hands-on capacity. This level of support eventually made the dev team comfortable enough to proactively seek Terrence’s guidance, which he would always provide without hesitation.
I hope to work with Terrence again in the near future.

Terrence and I worked together for several years at CLOUT. From the moment he started, he brought with him an aura that circumvented the entire office. His ability to effectively communicate with our entire team including the CEO, Marketing team, and the development team was a breath of fresh air and much needed at our startup. Usually it’s hard to find people that are just as good at hands-on work as they are at hands-off management, but Terrence had the skills necessary for both areas.
His management skills combined with his vast knowledge of technologies including streamlining our entire development process was a pleasure to witness — but I think the thing I was most impressed with was his ability to jump right in from day one and develop personal relationships with everyone on the team. He is a genuine person and any company would be happy to have him on board.

My name is Jose Antonio Reyes and I have known Terrence Gatsby for 4 years. He served as CTO from 2015 till 2017 providing architectural design and technical guidance while developing a global training platform for C Suite Executives.
I am writing to recommend Terrence Gatsby. In all my years of experience, Terrence Gatsby stands out for his professionalism including his intelligence, work ethic, positive attitude, teamwork mentality, leadership, diligence, and relationship management. He is well respected throughout the organization for being the “go-to” person for operational excellence.
Throughout the time I’ve know him, he has consistently demonstrated a positive attitude. During his time with IGM, he played an important role in launching the company and its product line. This included designing the architecture in order to establish a global on-line presence. In fact, he was so effective in this role that IGM Global is now the leader in preparing C-Level executives for the 4th industrial revolution.
In summation, due to his great attitude, dedication and excellent potential, I would heartily recommend Terrence Gatsby. I am confident he would be a great asset to your team.
Please don’t hesitate to contact me if I can be of further assistance. I can be reached at my email address, a.reyes@igm-global.com.

