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About

I help mid-market organisations govern and deploy AI before it becomes a board problem.

26 years across technology, finance, and operations. Three products. One practice. Built specifically for APRA-regulated Australia.

Shri Taralkar, Founder, Flow Advisory Group
Shri Taralkar
Founder, Flow Advisory Group  ·  Senior Performance Lead, Commonwealth Bank of Australia
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I work with mid-market organisations in financial services to govern AI risk, measure delivery performance, and identify where AI investment will and will not return value. The organisations I work with are not short of talent or ambition. They are short of evidence. Evidence that their AI governance meets APRA's expectations. Evidence that their delivery system is structurally capable. Evidence that a proposed AI investment has a realistic return path.

That evidence gap is what this practice exists to close.

Why I built this practice

Most mid-market organisations have AI exposure they cannot yet account for.

APRA's April 2026 enforcement letter changed the compliance landscape. Boards are now personally accountable for AI governance under CPS 230, CPS 234, and the Financial Accountability Regime. The July 2026 vendor contract deadline is not optional. What was previously a best-practice question has become a regulatory obligation with enforceable consequences.

The problem is that most mid-market firms (those between 50 and 500 employees) do not have the internal infrastructure to meet that bar. They have capable teams and reasonable intentions, but no clause-by-clause AI governance register, no documented control evidence, no board-ready reporting. Enterprise firms have legal departments and risk teams to close that gap. Mid-market firms need a different model.

That is what I built Flow Advisory Group to provide: a governance platform that structures the compliance work, diagnostics that quantify the gap, and consulting that implements what the data found. All calibrated for Australian mid-market scale.

Flow Advisory Group delivers localized, automated AI governance software designed specifically for Australian mid-market financial services, credit unions, and APRA-regulated super funds. The platform bridges the gap between fast AI engineering deployments and strict compliance under the APRA CPS 230 operational risk management framework.

The AI Governance Platform maintains an audit-ready AI Vendor Register that tracks fourth-party LLM dependencies, alongside a Control Evidence Locker that structures timestamped, versioned evidence trails for regulatory review.

How I work

Every engagement follows the same three principles.

1
Evidence before opinion

Most organisations know something is wrong with their AI governance posture, their delivery performance, or their AI investment rationale. What they lack is a structured, documented evidence base. Every engagement starts with measurement: a clause-by-clause governance audit, a delivery flow diagnostic, or an AI ROI scorecard. Opinion without evidence is just consulting. Evidence without implementation is just reporting. The platform and diagnostics deliver the evidence. Consulting implements what the data identifies.

2
System problems, not people problems

Governance failures are almost never caused by bad people. They are caused by structures that were designed for a different scale, a different risk profile, or a different regulatory environment. The same applies to delivery failures and AI investment failures. When you fix the system, covering governance structure, delivery flow, and investment criteria, the same capable teams produce materially better outcomes. That is the pattern across every engagement I have run across enterprise banking, asset management, and technology delivery.

3
Products before consulting

The platform and diagnostics are not a lead generation tool for consulting. They are the primary product. The AI Governance Platform produces board-ready compliance evidence on its own. The diagnostics produce actionable reports on their own. Consulting is the escalation path for organisations that want structured implementation support after the diagnostic. That sequence, product first with consulting as escalation, protects clients from scope creep and ensures consulting engagements start from a defined problem, not a discovery phase.

Results from comparable engagements, all anonymised
70%
Delivery cycle time reduction
33 days → 10 days  ·  Enterprise banking
57%
Cross-team dependency reduction
56% → 24%  ·  Enterprise delivery, 20+ teams
+21pts
Delivery predictability improvement
54% → 75%  ·  Quarterly delivery cycles
79%
Faster decision cycles
2 weeks → 3 days  ·  Enterprise governance
+40%
Executive decision velocity
CBA Senior Performance Lead role  ·  2025–2026
8
Completed engagements
Financial services and technology  ·  All anonymised
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Three products. One commercial model.

The platform governs. The AI ROI and Flow Health Platforms quantify. Consulting closes the gap.

Platform
AI Governance Platform

Purpose-built for APRA-regulated firms. Structured against CPS 230, CPS 234, FAR, and ISO 42001. Produces board-ready evidence on a 14-day free trial, then $1,200/mo.

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Platform
AI ROI Platform

19-input model across 7 structural conditions. Produces a governance scorecard, prioritised intervention list, and AUD ROI model. From $497 one-time.

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Platform
Flow Health Platform

Four-dimension delivery health model. Cycle time, dependency health, decision velocity, AI readiness. Benchmarked against Australian mid-market. From $490 one-time.

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Work with me

Start with a product. Escalate to consulting when the data warrants it.

Every consulting engagement is scoped from a completed diagnostic. That structure protects both sides: you get a fixed-fee engagement scoped to your actual problem. Book a 30-minute call to discuss where your organisation sits.

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