Montoya was born in Lautoka, Fiji to a Chilean father and Fijian mother, and moved to Campbelltown, New South Wales, Australia at the age of three.

[14] After a successful opening season in Montoya's career, the Canterbury-Bankstown Bulldogs named him the NRL Rookie of the year.

In September 2018, Montoya and other Canterbury players celebrated Mad Monday at The Harbour View Hotel in Sydney's CBD.

Later in the night, photographs provided by the media showed Canterbury players heavily intoxicated, stripping naked and vomiting in the street.

Saints player Corey Norman picked up the loose ball and raced away to score the match winning try on the full-time siren.

[24] In round 5 of the 2022 NRL season, Montoya used a homophobic slur against North Queensland winger Kyle Feldt in a match between their sides.

[29] Montoya played 27 games for the New Zealand Warriors in the 2023 NRL season and scored eleven tries as the club finished 4th on the table and qualified for the finals.

[30] Montoya played 19 games for the New Zealand Warriors in the 2024 NRL season and scored eight tries which saw the club finish 13th on the table.

[33] *denotes season competing As of May 2015, Montoya is working as a teacher's aide at Casula Public School.