
Hands-on Tech Leadership, Strategy, Delivery and Consulting
Make IT Work is led by Martin Kiuru, a global Fintech and Regulated Brokerage CTO with 20+ years of tech experience and 10+ years building and leading high-performing engineering teams and tech companies. Proven track record: award-winning products, faster TTM, revenue-positive AI integrations. Consulting and working solutions for Fintech, Neobanks, Regulated FX Brokerage, Lending, Crypto, VCs and Family Offices, CEOs, CxOs, Founders, and Startups.
Fractional CTO / CTO-as-a-Service
On-demand executive Tech Leadership, Visionary, Delivery, Problem Solving, Project Management, Tech, and Data Strategy. We align product, architecture, and teams to ship faster with lower risk.
Track record: award-winning products created from scratch, 4× faster time-to-market delivery in a financial enterprise with a tech team of 400 people, and AI integrations into the product business model and delivery pipeline.
We establish an operating cadence, processes, hiring bar, vendor control, and clear KPIs, so delivery becomes predictable. As your fractional or interim CTO, we align product strategy, architecture, and delivery to hit commercial goals. We design a clear technology roadmap with OKRs, budgets, and risk controls that boards can trust. We establish an operating cadence across roadmap, sprints, release management, and incident response. We optimize cloud costs and vendor contracts while preserving performance and compliance.
Deliverables may include a 90-day plan, architecture blueprint, metrics dashboard, hiring plan, and a security and compliance baseline (ISO 27001/SOC 2 readiness, MiFID II expectations).
Outcomes: faster time-to-market, lower tech risk, scalable and stable platforms, lower costs, and a product experience that retains customers.
Technical Due Diligence & IT Audits
We deliver technical due diligence for investors, VC, PE, Family Offices, and M&A technology audits aligned to your deal thesis. Scope includes code and architecture review, SDLC and DevOps maturity, security posture, data governance, cloud cost/FinOps, and vendor risk. We test scalability, reliability, and change readiness with realistic load and failure scenarios. We quantify technical debt, TCO, runway impact, and migration costs with explicit assumptions. For fintech targets, we assess KYC/AML, data privacy, and MiFID-class compliance gaps (including other regulations like GDPR, DORA, and EBA Guidelines). Deliverables: red/amber/green findings, a risk-weighted scorecard, and a 90-day value-creation plan.
You gain negotiation leverage on valuation, reps and warranties, and tech/product/compliance-related SPA covenants. We surface lock-in, single points of failure, key-person risk, weak SLAs, and hidden licensing exposure before they become write-downs. We convert findings into backlog, SLOs, quick wins, and an execution cadence that protects post-close operations.
AI Transformation & Integration
We find the real AI levers for revenue and cost, then put them in production. Make It Work delivers end-to-end AI programs: use-case discovery, ROI modeling, build-vs-buy, pilot, deployment, MLOps, and change management.
We target high-leverage cases first—fraud detection, personalization, lead scoring, support automation, internal copilots—and tie each to clear KPIs. We integrate models and LLMs into apps, services, data pipelines, and workflows with SSO and analytics, with guardrails, governance, privacy, and human-in-the-loop, from day one; so value shows up as conversion lift, lower cost per ticket, and faster cycle times. We train product, ops, and risk teams so AI sticks in day-to-day work, not just in a lab.
3 real use cases: AI integrated into product since 2018 - with +16% revenue in month one for a live product. 3x faster TTM for MVPs and product experiments. 70% support cost reduction.
Market signal: According to PwC’s AI Jobs Barometer, AI-exposed sectors show ~4.8× faster labour-productivity growth; In 2024–25, AI-exposed industries posted ~3× higher revenue per employee.
Digital Transformation: IT Strategy, Data Strategy and Data-Driven Decision Making
We build a technology strategy that delivers business results.
We put the product on the market from the stage of the slide deck, or we modernize legacy platforms without stopping the business: legacy carve-outs, cloud migration, process automation, and vendor consolidation. We link initiatives to OKRs and unit economics, then phase delivery to reduce blast radius. Governance, change management, and secure SDLC are built in.
We build the data backbone: BI that leaders actually use, data flow, event pipelines, ELT, warehouse/lakehouse. We define KPIs, cohorts, and a metrics layer, data governance, and access control. Finance use cases include trading, retention and forecasting, key risk analytics, and real-time revenue reporting.
You will get lower TCO, faster releases, better customer experience, and audit-ready and regulation-ready operations, including DORA, NIS2 Directive, and EBA Guidelines.
Move from static reports to live, self-serve analytics. Make faster, smarter, and data-driven decisions. Get clearer accountability on business results, improved retention, and revenue.
Cost Optimisations / FinOps
Real case: Re-architected workloads, commercial terms, cost-saving plans, and services restructuring to save over $6M per year on an enterprise AWS bill, with zero customer downtime.
We cut your cloud spend without slowing delivery or performance downgrade. Designed for budget pressure, our Cost Optimisations service blends FinOps discipline with engineering changes to reduce AWS, Azure, GCP, and Equinix bills 20–75% while preserving SLOs.
We start with a rapid cloud cost audit to baseline waste across compute, storage, data transfer, and Kubernetes workloads. Then we execute quick wins—rightsizing, autoscaling, schedule-based shutdowns, Graviton/AMD adoption, storage tiering, and egress minimization—to show savings in the first 30 days. For sustained impact, we design Savings Plans and Reserved Instances portfolios, improve container density, and enforce multi-account guardrails with budgets, alerts, and policy-as-code. Make it work can also handle vendor negotiations, marketplace commitments, and license optimisations to lock in lower unit costs.
Deliverables may include: a 90-day savings plan, a contractual buy-down strategy, architectural recommendations, and a FinOps operating model your team can run.
Result: ROI-positive changes that land within one quarter, measurable cloud cost reduction, lower TCO, and a platform that scales efficiently through 2025 - 2026 market headwinds.
FX and CFD Brokerage, FinTech & Crypto Advisory
FX/ CFD Brokerage focus. Make It Work optimises low-latency execution for MT4/MT5 brokerages serving HFT and algotraders. Co-location and network tuning, FIX-bridge and symbol-mapping hygiene, smart A-book/B-book routing, and LP aggregation cut tick-to-trade latency. Streamlined MT4/MT5 server and network topology, plugins, and risk settings reduce re-quotes, slippage, rejects, and CPU spikes during news. Targeted LP routing and bridge tuning stop spread P&L leakage. Result: faster fills, higher win-rates for serious clients, fewer support tickets, and measurable uplift in retention and volume.
Regulation and scale. We align brokerage and multi-asset platforms to MiFID II/MiFIR updates, embed EBA-aligned AML controls, and implement MiCA essentials—whitepaper and disclosure workflows, custody segregation, market-abuse monitoring, and incident reporting per ESMA RTS/Guidelines. Travel-Rule readiness for Regulation (EU) 2023/1113 and DORA-grade operational resilience come as standard. Make It Work designs and scales trading platforms, wallets, payments, and neobank apps with low-latency execution, resilient market data, and audit-ready controls, guiding EU licensing and technical compliance end-to-end.
For fintech, lending, and payment companies, we lead product delivery or transformation, we track PSD2/PSD3/PSR and design architectures for easy adaptation. We also lead blockchain/DLT and digital-asset integrations (tokenization, CBDC), integrate general ledger and OLTP systems, and optimise liquidity routing, fee schedules, and vendor contracts while keeping trust-building UX—clear status, balances, disclosures—fast.
Outcome: faster time-to-licence, regulation-compliant scale, lower operational risk, and user experience that grows active clients and revenue.