Makarachi IT Consultancy Inc. Logo
Discuss a Project
person
Portfolio // Case Studies & Production Engagements

Engineering Certainty for High-Consequence Financial Systems

Explore verified architectural interventions, core modernizations, payment rail cutovers, and turnaround programs across Tier-1 banks, credit unions, and global fintech infrastructure.

verified_user

Sovereign Protocol

100% Anonymized Production Telemetry

Settlement Flow payments
$140B+

Annual settlement volume governed & routed

Peak Day Routing $2.8B / 24h
Cutover Record timer_off
0 sec

Unplanned downtime across 8 core cutovers

Rollback Incidents Zero Reversals
Ledger Integrity balance
100%

Dual-run balance parity & reconciliation fidelity

Ledger Records Tested 120M+ Records
Tier-1 Adoption apartment
18+

Enterprise-scale deployments & live programs

Regulatory Bodies FED, OCC, OSFI, PRA
In-Depth Technical Dossiers

Landmark Architectural Interventions

lock Strict Institutional Anonymity Maintained
Core Modernization account_balance Tier-1 Retail Bank (2.4M Deposit Accounts, $38B Balance Sheet)
18-Month Program Live in Production

Legacy Mainframe Strangler Fig Carve-Out to Distributed Cloud-Native Core

Pattern: Change-Data-Capture (Debezium) · Shadow Ledger Dual-Run · Outbox Event Mesh

Critical Challenge A 34-year-old monolithic COBOL mainframe core prevented real-time mobile ledger updates, suffered from an 8-hour batch window at end-of-day (EOD), and incurred catastrophic vendor renewal penalties. A big-bang migration was rejected as uninsurable by the supervisory board.
Architectural Intervention Makarachi architected an incremental Strangler Fig pattern with a custom double-entry event ledger on CockroachDB and Kafka. Implemented an active-active CDC layer (Debezium/Kafka Connect) feeding real-time balance mirrors, shadow run for 90 consecutive days with zero transactional drift, followed by a phased 4-stage account carve-out.
Key Advisory Deliverables Produced:
description Target Architecture Blueprint (400-page TRD) terminal Minute-by-Minute Cutover Playbook (72h T-minus) sync_alt Shadow Ledger Automated Parity Validator

fact_check Verified Production Outcomes

0 sec Unplanned Core Outage
91.4% Batch EOD Window Drop
18ms P99 Read/Write Balance
$14.2M 5-Year MIPS Cost Avoided
Technology Ecosystem
Mambu Core Kafka Streams CockroachDB AWS Outposts Golang Microservices Kong Gateway
Ledger Coexistence Topology Bi-Directional Sync
SOURCE COBOL Host
sync_alt CDC Bus
TARGET Cloud Core
Payments & Instant Rails hub Commercial Bank Consortium ($65B Clearing & Settlement)
11-Month Deployment FedNow & RTP Live

Unified ISO 20022 Payments Hub with FedNow & RTP Real-Time Settlement Engine

Architecture: Event-Driven Orchestrator · Sub-Second AML Pre-Screening · Active-Active Multi-Region

Critical Challenge Federal Reserve mandated ISO 20022 compliance alongside demand for instant 24/7/365 FedNow and TCH RTP capability. Existing payment routing was fragmented across four discrete batch gateways, leading to 1.8% message truncation and inability to clear sub-second liquidity reserves.
Architectural Intervention Designed and directed the implementation of a canonical ISO 20022 transformation engine and payment hub. Introduced an active-active event-driven bus with sub-15ms parsing latency, integrated directly with FedNow participant API specifications and automated real-time reserve position monitoring.
Key Advisory Deliverables Produced:
swap_horiz ISO 20022 Canonical Mapping Engine Specification speed Sub-50ms Liquidity & Sanctions Interceptor Design security FedLine Direct Hardware Security Module (HSM) Topology

insights Verified Production Outcomes

14ms P99 Validation Latency
99.999% Rail Gateway Availability
0% ISO Syntax Rejection
24/7/365 Real-Time Core Clearing
Technology Ecosystem
FedNow Rail The Clearing House (RTP) ISO 20022 XML Apache Flink Thales Luna HSM Java/Quarkus
Routing Performance Baseline Real-time pacs.008
Wire Ingest (2ms) Sanctions Screen (8ms) Fed ACK (4ms)
Cross-Border Fintech public Global Fintech Unicorn (32 Countries, $18B Cross-Border GMV)
9-Month Engagement Full Cutover Verified

Global Multi-Acquirer Payment Routing & Sovereign Tokenization Engine

Protocol: Dynamic Least-Cost Routing · PCI-DSS Level 1 Vault Isolation · Zero-Trust Token Exchange

Critical Challenge Heavy single-acquirer dependency generated 110 bps in excess interchange drag, frequent regional authorization outages in LatAm and APAC, and severe vendor lock-in for 14M customer card credentials.
Architectural Intervention Engineered an acquirer-agnostic network tokenization layer paired with real-time heuristic routing. Created a secure surrogate PAN mapping service with hardware-level envelope encryption, running live A/B failover across seven acquiring banks based on real-time bin authorization probabilities.
Key Advisory Deliverables Produced:
token Zero-Trust Network Tokenization Schema alt_route Least-Cost Authorization Routing Algorithms gavel PCI-DSS Scope Minimization Blueprint (Audit Cleared)

analytics Verified Production Outcomes

+420 bps Authorization Rate Lift
$19.8M Direct Processing Savings
100% Card Portability Regained
< 35ms Total Proxy Route Latency
Technology Ecosystem
Visa Direct / MC Send HashiCorp Vault Rust Proxy Envoy / gRPC Redis Enterprise AWS ECS
check_circle

Zero PCI incidents during 14.8M credential migration across 11 discrete acquirer formats.

Program Architecture & Turnaround groups Multi-State Credit Union ($12B AUM, 620K Members)
14-Month Program Turnaround Completed

Stalled Next-Gen Core Implementation Turnaround & Regulatory Sanction Avoidance

Intervention: T-minus Re-baselining · Data Mapping Reconciliation Harness · Integration Layer Overhaul

Critical Challenge An in-flight core migration was 9 months behind schedule and running $7.2M over budget. Vendor deliverables failed reconciliation checks in 3 successive mock dry runs. NCUA examiners issued a formal supervisory notice requiring immediate independent remediation.
Architectural Intervention Makarachi was installed as Fractional Chief Program Architects. Redefined integration contracts between legacy middleware and target core, built an automated ledger balance comparison engine running daily delta audits, restructured the master cutover path, and led the executive steering committee through a seamless Thanksgiving-weekend go-live.
Key Advisory Deliverables Produced:
published_with_changes Re-Scoped Program Governance & Decision Matrix database Automated ETL Ledger Sanity Engine (Python/SQL) assignment_turned_in NCUA Regulatory Attestation Report Dossier

verified Verified Production Outcomes

100% Balance Parity on Day 1
0 min Branch Teller Downtime
$3.4M Budget Clawback Saved
Zero Regulatory Sanctions
Technology Ecosystem
Symitar / Episys MuleSoft ESB PostgreSQL Azure Cloud Q2 Digital Banking
award_star Executive Commendation

"Makarachi brought structural order to what was previously our institution's highest enterprise risk."

Open Banking & Security enhanced_encryption Diversified Banking Group ($85B Assets, Multi-Jurisdiction)
8-Month Engagement Full FAPI 1.0 Advanced

Enterprise Zero-Trust API Mesh & Financial-Grade API (FAPI) Gateway

Pattern: Mutual-TLS (mTLS) · mTLS Bound Access Tokens · eIDAS Qualified Certificates

Critical Challenge Compliance with Consumer Data Right / CFPB Section 1033 required opening internal core ledgers to registered Third Party Providers (TPPs) without exposing internal core API latencies or violating bank-grade cryptographic standards.
Architectural Intervention Built an institutional FAPI-conforming edge layer decoupling partner ingress from the inner core ledgers. Deployed distributed rate limiting, cryptographic token binding, and asynchronous streaming adapters that protected downstream core processing units during TPP bulk data scraping runs.
Key Advisory Deliverables Produced:
vpn_key FAPI 1.0 Advanced Security Architecture Spec traffic Edge Spike Protection & Core Shield Policies rule Independent Security & OIDC Conformance Certification

shield Verified Production Outcomes

100% FAPI Suite Conformance
0% Core Ledger Overloads
45M+ Monthly Secure Calls
4.2ms Token Validation Latency
Technology Ecosystem
Kong Enterprise PingFederate OAuth 2.0 / mTLS AWS ECS OpenID FAPI Spec
verified_user

Certified compliant under OpenID Foundation automated test battery without a single critical deviation.

Program Registry

Client Domain & Architectural Matrix

A representative cross-section of verified production outcomes across enterprise banking tiers and financial verticals.

Institution Profile Scope of Engagement Core Technologies Duration Architectural Breakthrough
Tier-1 Retail Bank
2.4M Deposit Accounts
 Mainframe Strangler Fig & Cloud Migration Mambu, Kafka, CockroachDB 18 Months Zero unplanned cutover downtime; 90% reduction in EOD batch run.
National Commercial Consortium
$65B Clearing & Settlement
 ISO 20022 Hub + FedNow & RTP Rails FedNow, Flink, Thales HSM 11 Months Sub-15ms parsing latency; zero payment message drops in live run.
Global Fintech Unicorn
32 Operating Jurisdictions
 Tokenization Engine & Acquirer Routing Rust, HashiCorp Vault, Envoy 9 Months +420 bps auth rate lift; 14.8M PAN credentials vaulted seamlessly.
Multi-State Credit Union
$12B AUM, 620K Members
 Stalled Core Turnaround & Go-Live Symitar, MuleSoft, Azure 14 Months 100% Day-1 member balance fidelity; averted severe regulatory sanctions.
Cross-Border FX Challenger
$4.2B Annual Remittance
 Multi-Currency Ledger & Reconciliation TigerBeetle, Go, NATS JetStream 7 Months Sub-5ms balance verification; real-time double-entry compliance.
Regional Community Bank
$6.8B Commercial Lending
 Core RFP Selection & Vendor Due Diligence Temenos vs Thought Machine 5 Months Contractual protections negotiated saving $4.8M over contract horizon.
Executive Endorsements

What Engineering & Transformation Leaders Say

format_quote

"When other advisories handed us slide decks with generic vendor recommendations, Makarachi embedded senior architects who wrote our actual cutover runbooks and challenged every integration flaw in the room."

Chief Information Officer

Top-25 US Regional Financial Institution

format_quote

"The shadow ledger reconciliation harness they engineered prevented what could have been a disastrous $40M balance disparity during our FedNow dual-run cutover. Truly peerless technical command."

Head of Core Banking Transformation

Tier-1 Retail Banking Group

"Their grasp of ISO 20022 edge-cases, FAPI token handling, and CockroachDB distributed transaction isolation levels gave our board complete confidence to pull the trigger on live traffic."

Chief Payments Architect — Global Fintech Platform ($18B GMV)
verified
gavel
Fiduciary Notice

Institutional Confidentiality Standard

Due to strict non-disclosure obligations, fiduciary duties, and national financial infrastructure security regulations, Makarachi anonymizes all institutional identifiers, bespoke schema names, and specific balance-sheet metrics in public forums.

check_circle All metrics derived from certified production logging harnesses.
check_circle No proprietary IP or un-sanitized customer data is retained.
check_circle Full un-redacted architectural dossiers available under bilateral mutual NDA for qualified institutions.

Need an executive briefing customized to your specific legacy core environment (e.g., FIS, Fiserv, Temenos, Finacle)?

Request Institutional Verification arrow_forward
Executive Technical Briefing

Facing a High-Consequence Core or Payment Rail Cutover?

Eliminate project ambiguity before you commit capital. Makarachi conducts peer architectural reviews, shadow run auditing, and RFP diligence under bilateral non-disclosure agreements.

calendar_month Schedule Technical Consultation file_download Request Relevant Case Dossier