A Tier-1 Transformation & Fractional CFO Engagement

From the desk of Carla Oliver

1.1 The Five Things This Engagement Delivers

1. A fractional Chief Financial Officer — fully credentialled CPA + CIMA — embedded into your founder cabinet for financial discipline, business cases, cost-benefit analysis, and investor relations.
2. A Transformation Delivery Lead — 25 years of Tier-1 consulting heritage (Capgemini, Accenture, Deloitte) — to run the Flip 360 programme to international standards.
3. A certified Project Manager & Scrum Master — PMBoK, PRINCE2, PMI, Agile — to operate your sprint cadence, governance and backlog.
4. A solution architect & builder — supported by an AI agent workforce — building exactly what you ask for as Product Owner, on a fortnightly cadence.
5. A business case & benefits realisation partner — for every "deal" you are working on, you receive a scoped business case, cost-benefit analysis, funding strategy, and benefits-realisation tracking that is investor-ready.

1.2 The Commercial Headline

Indicative based on published Australian market rates for Capgemini, Accenture, Deloitte, EY and KPMG engagements at the relevant grades. CoSai delivers a fractional, embedded equivalent — one accountable senior practitioner backed by an AI agent workforce — at a flat $5,000 per month.

1.3 Why This Is Possible

• No firm overhead. No partner pyramid, no Sydney CBD office, no internal admin layer. Every dollar funds delivery.
• AI-augmented workforce. Carla operates with a workforce of AI agents (Anthropic Claude family) handling research, drafting, code generation, document production, and analysis — multiplying senior-practitioner output without inflating cost.
• Fixed monthly fee, labour only. No timesheet games. No scope-creep invoices. No utilisation pressure.
• Cancel any time. The model is built on continuous value, not contractual lock-in.

Before any proposal can be credible, it must demonstrate that the firm understands the client. The following is our synthesis of the Flip 360 opportunity based on conversations to date, the Volume 1 Operating Model, and the Volume 2 Enterprise Architecture.

2.1 The Founder's Vision

"Active income alone is hopping on one leg. Passive income alone is hopping on the other. Walking — natural, sustainable, human — requires both legs moving in rhythm. Left, right, left, right. Flip 360 teaches the everyday Australian to walk."

Flip 360 is not a software product. It is a movement — a paradigm shift in how the modern Australian, and ultimately the modern human, builds a financial life. The platform we are building is the trust engine that makes the movement defensible. Marketing, member acquisition and brand are out of scope of this engagement and rightly sit with Your Digital Team.

2.2 Your Core Pain Points (As We Understand Them)

2.3 The Critical Success Factors We Will Be Held To

Per Volume 1, the programme is held to seven Critical Success Factors. We assume direct accountability for delivering against them.

1. Forensic-grade commission accuracy.
2. Immutable causation chain.
3. Vertical extensibility.
4. Performance visibility.
5. ADKAR-driven capability uplift.
6. Reciprocity loop measurement.
7. Founder-grade trust.

CoSai brings a six-phase delivery method developed across 25 years of Tier-1 engagements, adapted for founder-led businesses. Every engagement runs this method end-to-end.

3.1 What Each Phase Produces

4.1 In Scope

The following services are included in the fixed monthly fee. CoSai delivers them in any combination Mathew, as Product Owner, prioritises sprint by sprint.

4.2 Out of Scope

• ✗ Marketing execution — owned by Your Digital Team under the partnership outlined in Section 8.
• ✗ Statutory audit, tax filing, BAS lodgement — handled by Flip 360's external accountant (CoSai will brief them).
• ✗ Legal drafting (Member Agreements, Privacy Policy) — handled by Flip 360's external legal counsel (CoSai will brief them).
• ✗ Direct member acquisition, sales calls, or outbound activity.
• ✗ Pass-through costs (cloud, software, third-party services) — billed at cost monthly, no margin applied.

The engagement begins on the first day of the month following execution of this proposal. The first 90 days are pre-scoped against the Volume 1 and Volume 2 deliverables. Beyond that, scope is set sprint-by-sprint by the Product Owner.

6.1 The Capability Model

The CoSai engagement model is built around one accountable senior practitioner wearing five interlocking hats, supported by an AI agent workforce. The model is engineered for founder-led businesses where a single named relationship trumps a layered consulting hierarchy.

6.2 Capability Map — What Each Hat Delivers

6.3 Skill Pills — At a Glance

7.1 Professional Profile

Carla Oliver is a fractional Chief Financial Officer and transformation delivery specialist with twenty-five years of experience inside the world's top management consulting firms — Capgemini, Accenture, and Deloitte. Her career has spanned ASX 100 transformations, Federal Government programmes, financial services restructures, and founder-led scale-ups. Through CoSai CFO Services she delivers Tier-1-grade thinking and delivery at a price point structurally impossible inside the big firms, made possible by a lean operating model and an AI-augmented workforce of Anthropic Claude agents.

7.2 Credentials

7.3 Career Heritage

Flip 360 needs both build and broadcast. CoSai will not pretend to be a marketing agency, and Your Digital Team (YDT) will not pretend to be a transformation consultancy. The two firms are deliberately partnered with clean interfaces.

8.1 Division of Labour

8.2 The Working Interface

CoSai produces design briefs as a discovery handover only. From the moment Corrina's team accepts the brief, the marketing programme — SEO, web, traffic, ads, awareness, consideration, conversion — is run by YDT directly with Flip 360, with actual-vs-target funnel performance reported to Mathew. CoSai does not insert itself in the marketing day-to-day.

The reason a single principal can deliver a $400,000-equivalent capability for $60,000 per annum is the AI workforce. This section is transparent about how it works, where it does work, and where it does not.

9.1 The Workforce Composition

Every CoSai engagement is delivered by Carla — the human — supported by a workforce of Anthropic Claude AI agents. Claude is a frontier large language model family produced by Anthropic, the safety-focused AI lab founded by ex-OpenAI researchers. The agents act as junior associates, research analysts, software engineers, document drafters and quality reviewers — under Carla's direction and accountability.

9.2 What the Workforce Does and Does Not Do

9.3 Accountability

Indicative anonymised engagements drawn from Carla's 25-year career. Full client references available on request and under appropriate confidentiality undertakings.

11.1 What Is Included in the Fixed Fee

• All Carla's professional time across all five capability hats.
• All AI workforce usage (Anthropic Claude agents) on Flip 360 work.
• All sprint ceremonies, Steering reporting, and governance facilitation.
• All document production (business cases, CBAs, briefs, ADRs, investor pack).
• All code authored against the Flip 360 platform.
• All routine communications, email and phone availability during business hours.

11.2 What Is Billed Separately (Pass-Through, At Cost, No Margin)

11.3 The Sense-Check

These terms govern the engagement between CoSai CFO Services ("CoSai") and Flip 360 / Mathew Punter ("Client"). They are written in plain English by deliberate design — both parties should read and understand them in full before signing.

1. Engagement

CoSai will provide the services scoped in Section 4 ("Scope of Services") of this proposal. The Client is Mathew Punter, founder of Flip 360, in his personal and corporate capacity.

2. Term & Termination

The engagement begins on the first day of the calendar month following execution of this proposal and continues on a rolling month-to-month basis. Either party may terminate the engagement by giving the other one (1) full calendar month's written notice via email. No exit fee is payable.

3. Fees & Invoicing

The fee is AUD $5,000 per calendar month (plus GST). CoSai will invoice the Client on the first business day of each month, payable within seven (7) days of invoice. Pass-through costs (cloud infrastructure, third-party services, pre-approved travel) are invoiced monthly at cost with no margin.

4. Late Payment

Invoices outstanding more than fourteen (14) days past their due date may result in a temporary pause of services until payment is received. Repeated late payment is grounds for CoSai to terminate the engagement with seven (7) days' written notice.

5. Intellectual Property

All deliverables — including source code, documents, designs, models, and Architectural Decision Records — produced specifically for the Client under this engagement become the property of the Client upon full payment of the relevant month's invoice. CoSai retains the right to use general methods, frameworks, and skills developed during the engagement on future engagements, provided no Client-confidential material is disclosed.

6. Confidentiality

Each party will treat as confidential all information disclosed by the other and clearly marked or reasonably understood as confidential. This obligation survives termination of the engagement for three (3) years. Standard exceptions apply (public domain, legally required disclosure, prior knowledge).

7. AI Workforce Disclosure

The Client acknowledges and consents to CoSai's use of AI agents (Anthropic Claude family) in producing engagement deliverables, as described in Section 9. Carla Oliver remains the single accountable principal for every deliverable. No Client personally identifiable information (PII) of members or leads will be processed by AI agents outside agreed and documented data-handling boundaries.

8. Professional Conduct & Independence

Carla Oliver will discharge her professional duties consistent with the codes of conduct of CPA Australia and CIMA. CoSai is engaged as an independent contractor; nothing in this engagement creates a partnership, joint venture, or employment relationship.

9. Limitation of Liability

CoSai's total aggregate liability arising out of or in connection with this engagement, whether in contract, tort, or otherwise, is limited to the fees actually paid by the Client to CoSai in the twelve (12) months immediately preceding the event giving rise to the claim. Neither party is liable for indirect, consequential, or special losses.

10. Insurance

CoSai holds and will maintain professional indemnity insurance and public liability insurance appropriate to the engagement. Certificates of currency available on request.

11. Data Protection & Privacy

Both parties will handle personal information in accordance with the Australian Privacy Act 1988 and the Australian Privacy Principles. CoSai will not disclose personal information to third parties except as required to deliver the services or as required by law.

12. Dispute Resolution

The parties will attempt to resolve any dispute in good faith via direct discussion. If unresolved within thirty (30) days, the parties will refer the dispute to mediation administered by the Resolution Institute, before resorting to litigation.

13. Governing Law

This engagement is governed by the laws of New South Wales, Australia. The parties submit to the exclusive jurisdiction of the courts of New South Wales.

14. Entire Agreement

This proposal, once executed via Section 13 (Acceptance & Signing Page), constitutes the entire agreement between the parties and supersedes any prior representations.

15. Variations

Any variation to scope, fees, or terms must be agreed in writing between Carla Oliver and Mathew Punter.