Fractional Chief Architect | Banking & Fintech | DORA

The work I do

financial services technology, focusing on regulatory compliance and vendor management

Problems I solve

• We run the same platform in several countries and each one has drifted. Every change costs three times.
• Our preferred vendor passed due diligence but won’t sign the DORA contract terms. Now what?
• Nobody will own our data, so every report and pricing change turns into a fight between teams.
• We’re about to sign a big technology contract and want someone independent to check the architecture and the price.
• Our Oracle batch runs take all night and keep missing the window.investors want a straight answer on the tech risk in a business they own.

Who I work with

Mid-sized banks, lenders and fintechs, especially multi-country or PE-backed, where the CTO, CFO or board needs senior architecture without a full-time hire. Also PE investors who want an independent view of tech risk in a portfolio company or a deal.

What I bring

• Vendor selection that survives the contract, not just the questionnaire, Preferred vendor refused DORA Article 28 terms at signing; switched to runner-up, got DORA pre-signed and EUR 100K/yr off the price
• Harmonising one platform across several countries, Core banking and pricing aligned across Bulgaria, Romania and Greece; 200+ item core vs local agreement before build
• Rescuing failing performance on critical systems, Citi, American Express and HSBC batch windows cut from 24+ hours to under 6
• Independent tech risk advice for investors, Advised a PE investor on vendor concentration in a bank’s core platform, ahead of the vendor’s change of ownership
• Breaking down legacy systems nobody understands, Tightly coupled legacy loan system mapped and split into 13 migration streams; AI-assisted analysis across 280+ code repositories

Commercial