Fractional CIO
Executive‑level technology leadership, when you need it
consolt provides Fractional Chief Information Officer (CIO) services to organisations that require senior technology leadership, but not on a full‑time basis.
This service is designed for small and regional banks, payments organisations, fintechs, and financial services providers operating in regulated environments who need experienced CIO‑level capability to guide strategy, governance, delivery, and risk — without the cost or commitment of a permanent executive hire.
What is a Fractional CIO?
A Fractional CIO provides part‑time, senior executive technology leadership, tailored to your organisation’s size, maturity, and needs.
Unlike traditional consulting, the Fractional CIO role is embedded and accountable, operating as part of your leadership team and engaging with the executive, board, regulators, vendors, and internal teams as required.
When a Fractional CIO makes sense
A Fractional CIO engagement is typically well‑suited when your organisation:
- Does not require a full‑time CIO, but needs credible senior leadership
- Is undergoing growth, change, or heightened regulatory scrutiny
- Requires stronger governance, structure, or delivery discipline
- Is navigating a core system upgrade, major platform change, or vendor transition
- Needs continuity and stability during executive transitions
- Requires CIO‑level input to support the CEO, COO, or Board
Scope of services
Fractional CIO services are tailored to each engagement, and may include:
Technology Strategy & Roadmap
- Technology vision aligned to business strategy
- Multi‑year roadmaps and investment prioritisation
- Rationalisation of platforms, vendors, and services
- Decision support for buy vs build vs partner
Governance & Executive Support
- CIO‑level engagement with executive teams and boards
- Establishment or uplift of IT and change governance frameworks
- Clear accountability, roles, and decision rights
- Executive and board‑level reporting
Regulatory & Risk Alignment
- Support for APRA‑aligned environments and industry expectations
- Information security governance and oversight
- Technology risk identification and mitigation
- Policy and controls uplift (proportionate to organisational size)
Delivery & Change Leadership
- Oversight of major programs and initiatives
- Portfolio and PMO uplift
- Vendor and partner management
- Assurance and delivery health assessments
Operational Leadership
- Coaching and support for technology leaders and teams
- Strengthening operational rhythms and ways of working
- Incident and resilience oversight when required
How we work
Fractional CIO engagements are flexible and scalable, commonly structured as:
- A set number of days per week or month
- Fixed‑term engagements with optional extension
- Defined scope with clear responsibilities and outcomes
consolt operates as a trusted, independent advisor, prioritising what is right for your organisation rather than promoting specific vendors or solutions.
Why Consolt
- Deep experience across banking, payments, and financial services
- Former CIO and senior technology leadership experience
- Proven track record operating in regulated environments
- Practical, proportionate governance — not heavy‑handed process
- Direct access to a senior practitioner, not a delivery team
Our approach balances control and pragmatism, ensuring technology leadership supports the organisation rather than becoming a constraint.
Get in touch
If you would like to discuss whether a Fractional CIO engagement is right for your organisation, please Contact us anytime.