

CTO | Enthusiastic Breaker of Things
Jonathan Bernales
- French · Native
- Spanish · Native
- English · Professional
I build and lead engineering teams shipping cloud-native, pension-funds & retirement platforms.
More about meAbout
Career summary
Hello 👋 I'm the Chief Technology Officer at Germen, an InsurTech company transforming how French insurers manage pension and retirement funds. Our mission is to help insurers operate more efficiently by building innovative, high-performance solutions that also deliver top-tier experiences to end users. I lead a 30-person team across DevOps, QA, and Software Engineering, ensuring we execute our roadmap effectively while keeping technical debt and product quality tightly managed.
Previously, I served as CTO at ekonoo, a FinTech startup helping individuals and organizations invest more effectively in retirement funds. The company's intellectual property was acquired by an insurance company. Before becoming CTO, I worked as a DevOps engineer, where I designed and deployed a serverless AWS architecture and implemented robust CI/CD pipelines.
From 2018 to 2020, I was an Information Security Consultant at Deloitte Luxembourg, working primarily with European institutions and financial services firms. My projects focused on IT risk assessments, cloud architecture, and DevSecOps practices.
I am passionate about how technology can transform and create opportunities over time 💻. During my free time, I spend time developping projects in order to try out new technologies and provide services to customers 😃.
Side projects
Things I've shipped on the side
Experience
Where I've been building
- Jun. 2024 - Present
Chief Technology Officer (CTO)
·GermenLeading the 30-person Technology team at Germen across engineering, DevOps, QA, and product delivery.
- Human Resources & Team Growth: conducted 100+ interviews and internalized key roles, allowing us to triple the tech team to 30 professionals. Increased the share of in-house engineers from 50% to 90%, boosting knowledge retention and delivery ownership.
- Quality Assurance: established a dedicated QA team with test automation engineers and implemented Playwright-based test suites. Integrated QA into the full development lifecycle, enabling thorough feature documentation and testing before release.
- Deployments & Delivery: set up a Continuous Deployment pipeline, reducing deployment time of new features by up to 75%. Implemented feature flagging to allow safe, incremental releases and rapid iteration.
- Roadmap & Product Development: delivered key products to production, including Polysème, Garance's PERO, and Garance's Cagn'Up systems. Acted as the main technical contact for external stakeholders to manage product requirements and delivery alignment.
- Technology Management: migrated the full tech stack to TypeScript (Node.js core systems and Next.js client-facing systems). Moved from on-prem to a fully cloud-native architecture using AWS Serverless and Vercel. Implemented centralized monitoring with Splunk, conducted technical due diligence for acquisitions, and led technical content for RFPs and RFIs.
Team ManagementBudget MonitoringInnovation & TrainingRisk ManagementExecutive communication - Led the acquisition of ekonoo's stack, integrated into Germen
- Sept. 2022 - Jun. 2024
Chief Technology Officer (CTO)
·EkonooJoined the Executive Committee as CTO of ekonoo, leading a 20-person team of DevOps, QA, and Software Engineering professionals.
- Human Resources: re-structured the department with key roles such as Team-Leads and Release Managers, allowing us to better oversee initiatives. Led 10+ successful recruitments, doubling QA Team size and reinforcing the backend development team.
- Quality Assurance: implemented a Testing strategy with KPIs (defects, test cases, regression delays, SLAs). Grew regression test documentation to 150+ (from 30) and rolled out an automation suite of 90+ tests (from 0), cutting regression time from 5 days to 2.
- Quality Assurance (cont.): integrated the QA team into specification and development processes; documented and monitored 20+ test cases per sprint, covering 90+% of newly developed features (up from 0).
- Deployments & Delivery: migrated from a monthly-release plan to Continuous Deployment, reducing feature deployment time by up to 75%.
- Roadmap & Product Development: collaborated with partners' operational, business, and technical stakeholders to prioritize, define, and deliver platform features. Managed expectations under high-pressure deadlines and delivered 50+ high-level roadmap items.
- Technology Management: cultivated relationships with third-party vendors such as AWS. Spearheaded technical content preparation for RFPs and RFIs.
Team ManagementBudget MonitoringInnovation & TrainingRisk ManagementExecutive communication - Nov. 2020 - Nov. 2022
DevOps Engineer | Cloud Architect
·EkonooDev(Sec)Ops engineer and AWS Cloud Architect involved in the design and implementation of the CI/CD pipelines and Cloud infrastructure, and the setup of an internal Information Security Framework.
- Implement CloudFormation baselines and standards.
- Conceive and deploy GitHub Actions CI/CD pipelines.
- Implement serverless security & backup solutions.
- Setup and maintain systems granting observability of our infrastructure (logging, monitoring, alerting, internal platforms, etc.).
- Formalize an internal Information Security Framework and Information Security Policies and Standards.
AWS Serverless Application ModelGitHub ActionsMicroservicesElasticsearchBackup managementInfoSec policies - Sept. 2018 - Nov. 2020
Consultant | Cyber Risk Services
·Deloitte LuxembourgJoined Deloitte Cyber Risk Services first as a Cybersecurity Intern and later as a Consultant, working on technical projects at the intersection of IT architecture, security, and governance, particularly cloud infrastructure.
- Conducted IT security and risk assessments to develop actionable security roadmaps.
- Presented cybersecurity strategies to major financial institutions in Luxembourg.
- Designed and implemented secure cloud architectures, including serverless and containerized systems.
- Built Docker-based solutions and developed APIs using Node.js and Python.
- Facilitated Cloud, DevOps and Cybersecurity awareness workshops.
Azure SecurityO365 SecurityAPI Design and ImplementationCloud Architecture DesignIT Control Framework designCyber Risk AssessmentsLinux System AdministrationIT Security Framework designCloud architectureDocker & Containerization - 2017 - Apr. 2019
IT Freelance Consultant
·On my own!In parallel with my studies, I worked as an IT Consultant on the following tasks.
- Implemented Docker-based automation testing environments for the ISO10303 working group, allowing teams to perform automated non-regression tests in replicable environments.
- Developed multiple web applications pushed to production for medium and small-sized businesses.
- Conducted and delivered a BPMN tooling cross-compatibility assessment.
- Designed and deployed redundant AWS Cloud-native infrastructures.
DockerGitLabDevOpsAngular7WordpressBPMN Modeling toolsLinux System AdministrationStartUp AssistanceTechnical requirements documentation - Jan. 2017 - Jul. 2017
IT Architect
·AFNet ServicesDefined and implemented a GIT working methodology (and a CI/CD proof of concept) to develop the ISO10303 STEP SysML architecture.
- Led the migration from CVS to GIT for the working group (Airbus, Boeing, Safran).
- Improved deployment cadence to multiple times per week.
GitLabChange ManagementProxmoxMongoDB
Latest
Talks & writing

Query API: les coulisses de notre architecture CQRS serverless
Germen Tech · Substack
Building rich read models inside a distributed, serverless architecture, with the patterns and trade-offs that worked for us at Germen.

Les POTO: Germen innove sur les parcours transactionnels financiers
Germen Tech · Substack
Polysème One Time Operations: applying hyper-personalisation to complex financial workflows.

VoxxedDays LU
Keynote
Presenting how ekonoo became the first Cloud-native FSI company in Luxembourg.

From 0 to $1,000/mo: Coding when customers want a feature
IndieHackers · GetMyMFA
Describing the process to develop an MVP based on customer-backed feedback and requests.
Centralizing log management in a distributed AWS infrastructure
Medium · Ekonoo
Presentation of Ekonoo's internal log centralization mechanism, an AWS-native event-based approach.
Lessons learned from (almost) failing to deploy a simple ML model in the Cloud
Medium
Pitfalls to avoid when deploying a cloud-native AI-based web application, for people new to the field.


