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CV · AI ARCHITECTURE · REGULATED FINANCIAL SERVICES

Steven Minnikin

Principal AI Architect & Technology Leader
Email
steve@minibit.co.uk
LinkedIn
linkedin.com/in/steven-minnikin
Consultancy
minibit.co.uk
Location
Newcastle upon Tyne, UK
Available from 30 Nov 2026
Contract · Remote or Newcastle
>90%Application time cut
£1bn+Client assets supported
5Technical team members led
6MCP servers built
1

Profile

AI architect and technology leader with a 25-year career spanning software engineering and computing education, including 11 years’ experience in regulated financial services. Builds and operates agentic AI systems with human approval, permissioned tools and auditable workflows. Delivered Autocalls, a live UK investment platform, and led technology at Lowes Financial Management. Combines hands-on engineering with team leadership and staff training.

2

Selected achievements

Technology leadership
Led a technical team of five and software, infrastructure and data for an FCA-regulated advice firm with £1bn+ in client assets.
Business transformation
Cut application processing time by over 90% and consolidated a 44-application, 45-database estate serving 80+ staff and 5,000+ clients.
Post-acquisition integration
Led the Lowes side of migration, platform integration and legacy decommissioning; subsequently retained as a consultant by the former managing director.
Client reporting
Accountable for six-monthly valuations and annual costs and charges reporting for over 4,000 clients.
3

Experience

Founder & Principal AI Architect

Oct 2025 to present
Minibit Ltd · Newcastle upon Tyne

Autocalls Hamilton Thomas Limited

  • Designed, built and now operates a UK structured-products investment platform for retail investors and their advisers. Delivered in under a year and live on the web with its first investors.

Agentic AI across my own products

  • MCP servers and Claude connectors: built for Ship Keys, Mini Steps and Mini Navigator, with MCP clients in Mini Calls.
  • Agents and tool use: autonomous agents in customers’ CI pipelines (Ship Keys), multi-agent handoff (Mini Calls), model choice by query complexity (Mini Navigator) and scheduled AI reports (Mini Ops).
  • AI safety and human approval: owner-approved actions (Mini Steps, Mini Ops), strong privacy controls (Mini Navigator) and AI content moderation (IcAurora).
  • Voice agents: end-to-end voice interaction through the MCP connector (Mini Steps), and phone and web voice agents with secured actions (Mini Calls).
  • RAG and LangGraph: pipelines with human approval checkpoints and evals, my current work (Mini Engine).
Ship Keys, launch checks for AI-built apps (private beta)Mini Steps, Persistent goals and context across conversations, owner-approved actions and per-call metering with spend limits. Two MCP servers, including an OAuth 2.1 Claude connector for end-to-end voice interaction. (private beta)Mini Navigator, SEND family records (in development)Mini Calls, end-to-end voice AI for your business (built, on Cloud Run)Mini Engine, review-pack drafting (prototype)Mini Ops, AI reports for small businesses (prototype)IcAurora, aurora forecasting (iOS beta)Mini Coach, voice training coach (live)

AI and data consultancy for UK financial advice firms Oct 2026 to present

  • Designed and costed a phased AI rollout with human approval for client documents.
  • Data and MI work on Intelliflo Office: reconciling client books and building reporting inside the system.
  • Building AI integrations for advice-firm systems, including Intelliflo Office.
See the offer for advice firms

Head of Software Development

2018 to Sep 2025
Lowes Financial Management · Newcastle upon Tyne
  • Accountable for six-monthly client valuation reports and annual costs and charges reporting for over 4,000 clients, ensuring accuracy before issue.
  • Led a technical team of five, reporting to the managing director. Owned software, infrastructure, security, backup and disaster recovery, suppliers and data for a firm with £1bn+ in client assets. Also served as Deputy Data Protection Officer.
  • Designed a React investment onboarding platform used by 80+ staff, including 18 advisers; cut application processing time by over 90% and removed paper applications.
  • Consolidated 44 applications and 45 databases into a unified platform in stages; modernised virtualised infrastructure and built Power BI and Excel reporting for directors, advisers and compliance.
  • Led the Lowes side of post-acquisition migration, integration and legacy decommissioning. Subsequently retained as a consultant by the former managing director.

Teaching & Department Leadership

2008 to 2018
Thomas Hepburn Community School / Excelsior Academy
  • Ten years including PGCE placements (2008 to 2009), teaching computer science and mathematics at Excelsior Academy (2009 to 2014), and Head of Computer Science & New Technologies at Thomas Hepburn (2014 to 2018), leading a team of six.
  • Led six staff across three subjects, achieving the academy’s highest results for three consecutive years: 100% A*-C in IT and Financial Management, and a 72.7% Computing pass rate against a 27% academy average.
  • A career-long strength in explaining complex technology clearly, now used to train client teams and brief directors on AI.
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Earlier engineering career

  1. 2005 to 2008Software Engineer & Financial AdviserSteve Minnikin Financial ManagementFamily advisory firm regulated by the FSA, the FCA’s predecessor. Bespoke C# and SQL Server systems supporting a doubling of business.
  2. 2004 to 2005Software EngineerMicrosol, GatesheadSCADA and HMI systems for fault analysis in power transmission and distribution.
  3. 2002 to 2004Software EngineerRolls-Royce, Gateshead & BristolTransmission and distribution of power; aerospace asset management. Led recovery of a failing server-side application project, restoring a major client’s confidence.
  4. 2001 to 2002Software EngineerCapita, Darlington & LondonVisual Basic systems for Europe’s largest smart card launch; managed 12 testers, secured a £1m milestone.
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Skills

Agentic AI
MCP servers & clientsClaude tool useStructured outputOAuth 2.1 connectorsClaude Code plugins & subagentsHeadless agents in CIVoice agents · Gemini Live · Pipecat · TwilioLangGraphRAG · pgvector
AI quality & safety
Human approval stepsAudit trailsPersonal-data redactionSpend caps & meteringPrompt-injection defenceGuardrailsEvals
UK advice systems
Data migration & reconciliationIntelliflo Office APIKYC / AMLGDPR & DPIAsConsumer Duty & suitabilityFCA Register API
Cloud & delivery
SupabaseVercelGitHub ActionsAWS Lambda & CDKDockerGoogle Cloud RunTerraform
Engineering
TypeScriptReactNext.jsReact Native / ExpoPostgreSQLNode.jsPythonC#SQL ServerDynamoDBMongoDBPower BIExcel
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Education & training