Kaydee Consulting
Kaydee Consulting · Financial Services

The team you brief
is the team that delivers.

A boutique financial services consulting firm. Every engagement runs under a fixed-scope Statement of Work: scope, deliverables, and price defined before Day 1. No T&M billing. No partner handover. No junior delegation.

Book a 20-minute scoping call → Our practice areas
Cost vs. Output Big 4 vs Kaydee
Big 4 cost Kaydee 40–60% saved
10+
Years
Financial services exclusively
12+
Programmes
Delivered across our portfolio
5 days
To mobilise
From signed SOW to delivery
40–60%
Cost saving
vs Big 4 equivalent output
The real problem

Most programmes don't fail at the technology layer.
They fail at requirements, and nobody owns fixing them.

Data integration gaps with no owner. Acceptance criteria written after the build starts. RAID logs that record issues but never resolve them. These are business analysis failures. They are also the primary reason programmes run over budget and past deadline. Kaydee Consulting is built to prevent them.

About the firm

Accountable for
deliverables, not hours.

Kaydee Consulting deploys senior BA practitioners and consultants into financial services programmes as a defined engagement, fixed scope, fixed fee. We are not a body shop placing contractors you manage. We are not a Big 4 firm billing you for partner margin and junior hours. We are a specialist team accountable for specific outputs, defined in the SOW before work begins.

Our team has spent over a decade inside financial services programmes at Australia's major banks, insurers, and lenders. Every engagement is led by a senior principal with direct delivery responsibility. For larger or multi-workstream programmes, we scale with additional senior practitioners, all at principal level. There is no junior layer.

Each engagement runs under a Master Services Agreement and Statement of Work. Scope, deliverables, exclusions, and price are fixed before Day 1. We cannot invoice outside it.

01
Senior delivery from Day 1

The practitioners you brief are the practitioners who deliver. No junior delegation, no partner who disappears after the pitch.

02
Fixed-scope SOW, not T&M

Scope, deliverables, exclusions, and price are fixed in the Statement of Work before work begins. We cannot invoice outside it.

03
Financial services exclusively

Retail banking, mortgage origination, AML/KYC, insurance, superannuation. Every engagement, every reference, for over a decade.

04
40–60% below Big 4 rates

You pay for delivery. Not real estate, bench time, internal training, or the 30–40% partner margin on every Big 4 invoice.

Practice areas

Five disciplines. One sector.
No engagements outside the SOW.

We do not take engagements outside financial services. Every capability listed below maps to a named programme our team has delivered, not a theoretical service offering.

01

Mortgage Origination & Lending

We have operated inside the broker channel, the credit risk layer, and the origination platform, not documented them from the outside.

  • Home loan origination, servicing, and settlement BA
  • Broker channel integration: NextGen ApplyOnline, lender APIs
  • Unsecured lending: credit cards, personal loans, digital lifecycle
  • Collateral management controls and requirements
  • Credit risk policy redesign and simplification
  • Responsible lending obligations and compliance requirements
02

AML/KYC & Financial Crime Compliance

We write requirements regulators can audit. Every rule traced to its obligation, signed off by compliance and legal before IT builds.

  • AML/CTF program design: AUSTRAC and FinCEN obligations
  • KYC onboarding system implementation (Fenergo, Salesforce CRM)
  • OCDD/ECDD, transaction monitoring rules, ACIP requirements
  • FATCA, CRS, RG 97: requirements and regulatory reporting
  • Financial crime controls for foreign tax residents (ATO/AUSTRAC)
  • BRD and traceability matrices through compliance and legal sign-off
03

Core Banking & Digital Transformation

We have been the requirements layer inside the programmes that rewrote how Australia's major banks operate.

  • Consumer core banking uplift: Westpac UNITE and CSH transformation
  • Digital lending platform design for origination products (Agile/SAFe)
  • Omni-channel customer journey and digital channel optimisation
  • End-to-end remediation programme requirements
  • Sprint planning, backlog refinement, stakeholder workshops
  • BRDs, epics, user stories, and acceptance criteria at enterprise scale
04

Insurance, Wealth & Regulatory Reporting

We deliver regulatory reporting that ATO, ASIC, and compliance teams sign off, not requirements drafted and passed to someone else.

  • Life insurance, superannuation, and wealth platform BA
  • M&A integration and divestment: Westpac Life integration into TAL
  • Annual statements, exit statements, PAYG summaries, end-to-end
  • FATCA, CRS, RG 97, AIIR (ATO) regulatory reporting requirements
  • Lost Super remediation: requirements, testing, business sign-off
  • Vendor management, governance working groups, BRD sign-off
05

M&A & Divestment

We have sat inside the integration management office on both sides of the deal, carving entities out, standing them up, folding them in, with regulators, auditors, and boards watching.

  • Integration and separation management office (IMO/SMO) BA leadership
  • Day 1 readiness: TSAs, cutover planning, regulatory notifications
  • Customer, policy, and product migration requirements at portfolio scale
  • Data migration, reconciliation, and lineage across legacy and target platforms
  • Operating model design, process harmonisation, and legal entity restructure
  • Synergy tracking, stranded cost analysis, and post-close remediation
Why Kaydee

Big 4 firms bill for their overhead.
We bill for delivery.

A Big 4 partner sells the engagement. Junior analysts, two to four years out of university, deliver it. The partner appears for quarterly reviews. You fund their real estate, bench time, and 30–40% partner margin on every invoice. Kaydee Consulting is built differently.

Factor Big 4 / Large Consulting Kaydee Consulting
Who deliversPartner sells. Junior analysts (2–4 years experience) deliver. Senior oversight is periodic, billed at partner rates.Our senior principals lead every engagement. No junior layer. The team you brief is the team that delivers.
Team compositionLarge teams with mixed experience levels, required to justify the overhead model.Lean team of senior practitioners and consultants. We scale with additional principals, not juniors.
Time to mobilise4–8 weeks: internal conflict checks, resourcing, partner sign-off, contracting.5 business days from signed SOW. No internal overhead to clear.
Fee modelTime & Materials. Scope creep is the default. Final invoices regularly exceed the estimate.Fixed-scope SOW. Defined deliverables. Fixed price. The cost is agreed before Day 1.
Sector depthGeneralist firm with a financial services practice. Your BA may have come from FMCG or retail last year.Financial services exclusively: retail banking, mortgage, AML/KYC, insurance, super, for 10+ years.
AccountabilityDeliverables scoped broadly. Engagement extension is in the firm's commercial interest.Deliverables defined in the SOW. Our firm is accountable for sign-off, not for hours billed.
CostBaseline40–60% lower. Senior output, no overhead.
Delivered inside

Our team has worked at the requirements layer in Australia's major financial institutions.

Retail banking · mortgage origination & servicing · life & superannuation · AML/KYC & financial crime · regulatory compliance · core banking transformation

Westpac Group Suncorp Bank AMP Commonwealth Bank TAL / Westpac Life MLC (IOOF) Lendi Group Bluestone Mortgages QBE Insurance
Proof points

Three engagements.
Three outcomes we can name.

Major Australian Bank · Core Banking Transformation

NTBS to T24 migration: data lineage traced across credit, risk, finance, and regulatory domains

83% of the reporting estate eliminated through requirements, not top-down cuts.

Our team mapped data lineage across four domains for a core banking transformation. 1,500 reports traced to source. 250 remained, each with a named owner, a defined business need, and full traceability.

Big 4 Bank · AML/KYC System Replacement

AML/KYC system modernisation: architecture discovery, RFP criteria, and Steering Committee sign-off

Vendor selected. Business case signed off by Steering Committee.

Our practitioners led data architecture discovery for a cloud AML/KYC replacement. Mapped every CRM and Customer Master integration point. Delivered directly to Steering Committee with no open questions at sign-off.

Life Insurance · M&A Integration · Regulatory Reporting

Westpac Life into TAL: FATCA, CRS, and regulatory statements across life, super, and investment

Regulatory data traced end-to-end. Actuaries, legal, and risk teams aligned and signed off.

Our team defined data requirements, flow methodologies, and full traceability for annual regulatory statements across life, super, and investment products following the integration. BRD signed off by compliance and legal before any build commenced.

Engagement model

Fixed scope. Fixed fee.
Here is what we commit to.

Every engagement runs under a Master Services Agreement and Statement of Work. Scope, deliverables, exclusions, and timeline are fixed before work begins. We cannot invoice outside the SOW.

1

20-minute scoping call

We establish whether your programme is a fit: the sector, engagement type, timeline, and budget. If it is not, we say so on the call. No pitch, no obligation.

2

SOW outline within 48 hours

If it is a fit, you receive a proposed Statement of Work within 48 hours: scope, deliverables, exclusions, timeline, and fixed price. Nothing is open-ended.

3

Practitioner on your programme in 5 days

From signed SOW to senior practitioner on your programme in five business days. No conflict checks, no resourcing queue, no internal overhead to clear.

Payment structure

30% on SOW execution · 40% at defined mid-point milestone · 30% on final deliverable sign-off

Engagement sizes

Discovery & Requirements · Delivery & Migration · Programme Retainer, scoped and priced per SOW

Credentials

Professional indemnity: $1M per occurrence · Registered entity: 5+ years operational · MSA available on request

Get in touch

Book a 20-minute
scoping call.

Tell us about the programme. We will reply within one business day with either a proposed SOW outline or a direct pointer to who can help.

Principal
Karan Dhillon, Founder
Location
Australia · Available for US engagements
Direct line

Send a short note about the programme: sector, obligation or system in play, timeline, and where you are stuck.

Email to book → Connect on LinkedIn

Reply within one business day. No mailing lists, no sales sequences.