AI Business Systems Architect · 30+ Years

AI-engineered systems that run the back office.

30+ years inside tier-1 banks and boardrooms, working out what a business actually needs — now built AI-first, front end to database. Michael architects the system and engineers every layer with AI in the loop: interface, application logic, Postgres back end, integrations and embedded AI. Enterprise-grade outcomes in weeks, not quarters. UK passport holder. Available globally.

Michael Guard
Michael Guard
Founder, Vanilla HUB · AI Business Systems Architect
Johannesburg · Available globally
UK passport · Full international mobility
30+ years enterprise experience
Tier-1 financial services background
AI-native delivery — full stack, front to back
AI implementation into live business systems

Career credentials

30+ years across the world's top organisations.

Morgan Stanley
Credit Suisse
HSBC
Barclays Capital
Credit Agricole CIB
London Stock Exchange
IBM
Shell
BNP Paribas
Halliburton
SAP / MFI
Ceridian
SADF
Morgan Stanley
Credit Suisse
HSBC
Barclays Capital
Credit Agricole CIB
London Stock Exchange
IBM
Shell
BNP Paribas
Halliburton
SAP / MFI
Ceridian
SADF
· · · · · · · · · · ·
Why Michael Guard

Built differently.
Built with AI. Built to be right.

Three decades of building solutions where the numbers have to balance, the systems have to work on demand and the deadline is not negotiable — now delivered at AI speed, without giving up any of the rigour.

Enterprise depth, AI-era speed

The governance frameworks of Morgan Stanley. The delivery velocity of an AI-native engineer. Michael brings both to every engagement — regardless of the client's size.

One connected platform

Every layer is designed and built by one person, so the data connects front to back — from the first client interaction to the balanced ledger — with no integration seams to fall through.

AI-native, not AI-flavoured

AI is not a feature bolted on at the end. It is the engineering method — architecture, code, schema, tests — and it is embedded inside the product, where it does the administrative work the business used to pay people to do.

The AI-native stack Michael builds on
Claude / Anthropic API AI-assisted engineering Retrieval & document AI Agentic workflows Supabase PostgreSQL JavaScript HTML / CSS REST & webhooks Knack Oracle · T-SQL · SAP POPIA & SARS compliance
Career

30 years streamlining business processes.
Now with AI doing the building.

Adding quantifiable business value — from tier-1 trading floors to a modular AI-era ERP.

2023 — Present
Founder & AI Implementation Engineer
Vanilla HUB — Johannesburg
Founded and engineered Vanilla HUB from a blank page — a modular ERP covering CRM, HR, Payroll, Project Management, Stock and Reporting, live across Southern Africa. Since 2025 the entire delivery pipeline has been AI-native: Michael sets the architecture and data model, then builds every layer with Claude in the loop — interface, application logic, PostgreSQL/Supabase schema, integrations and the AI assistance embedded in the product itself. Sole architect, sole engineer, production clients. The practical result is a one-person operation shipping at the pace of a small development team, with the audit trail and governance discipline of a tier-1 bank.
2022
PMO — Legal Entity Rationalisation
Credit Suisse — London
Multi-year strategic transformation restructuring the bank's global legal entity footprint across 50+ jurisdictions. Regulatory compliance, risk management and executive governance at the highest level.
2019 — 2022
Front Office PMO — FX & MAR Compliance
Credit Agricole CIB — London
Sole PMO on a mission-critical FCA Market Abuse Regulation programme through COVID-19. FX client migration. Portfolio Management support for CIO-level reporting.
2018
Senior PMO — Regulatory Remediation
London Stock Exchange (LCH SA) — London / Paris
End-to-end PMO for high-priority regulatory remediation addressing requirements from the Autorité des Marchés Financiers. Cross-border governance between London and Paris teams.
2017 — 2018
Principal Consultant PMO
Morgan Stanley — London
Portfolio-level oversight across the Operations Technology Division. Budget governance, agile delivery frameworks, SDLC audit compliance. Multiple bespoke project management systems designed and deployed.
2016 — 2017
Senior PMO — Fixed Income IT
HSBC Global Banking & Markets — London
Governance frameworks for a complex portfolio of Fixed Income trading and risk management technology projects. A bespoke headcount tracking solution designed and built — transforming capacity planning accuracy across the division.
2011 — 2015
Principal Consultant PMO
Morgan Stanley — London
Large-scale PMO across Client Technologies. Full budget lifecycle, agile/Scrum adoption, SDLC audit readiness. Portfolio dashboards built for real-time executive status and delivery reporting.
2010 — 2011
Business Manager / PMO
HSBC Global Banking & Markets — London
Integrated business management and project governance across Emerging Markets, Sales, Credit, Structured Credit and Production Support. Full headcount budget lifecycle across the bank's change-the-bank portfolio.
2004 — 2010
Subject Matter Expert — Project Management
Barclays Capital IT — London
Central authority for PM standards across the entire IT division. A custom automated portfolio reporting system designed and built — delivering CIO-level insights directly. Six years of enterprise-scale tooling and governance.
1997 — 2004
Developer, Analyst & Consultant
Halliburton · BNP Paribas · SAP/MFI — London
Corporate systems developer team lead at Halliburton — full lifecycle HR, payroll and project profitability systems. HR systems at BNP Paribas. Business analyst on a SAP R/3 supply chain migration at MFI — 20 million+ records across Oracle, T-SQL and DTS.
2000 — 2002
HRIT Analyst
IBM · Shell / Enterprise Oil — London
EMEA HR systems harmonisation at IBM across 20+ countries. Integration of Enterprise Oil into Shell following a $5bn acquisition — one of the largest energy sector mergers of the era.
1995 — 1997
HR Application Consultant
Ceridian — London
Bespoke HR system design and implementation for enterprise clients. Complex data migrations, custom integrations and pre-sales consulting. The beginning of a 30-year pattern: understanding what businesses actually need, then building exactly that.
What Michael builds

AI-built systems for businesses that have outgrown off-the-shelf.

Every engagement starts with understanding the actual business — not fitting the business to a product, and not fitting the business to a chatbot.

AI-native application engineering

Complete custom applications — interface, application logic, database and integrations — architected by Michael and built with Claude in the loop. Enterprise outcomes on startup timelines, delivered in weeks rather than quarters.

AI inside the business

AI assistants, document and email processing, retrieval over your own data, and agentic workflows wired directly into live business systems — so the AI acts on real records, not on a copy-paste of them.

End-to-end business platforms

Full ERP-grade systems covering CRM, sales, HR, payroll, stock, projects and reporting — built to the client's exact operational model, integrated from day one, modular and white-labellable where the client needs to resell it.

Data architecture & migration

Complex data models, legacy migrations and reconciliation frameworks — Oracle, SAP, PostgreSQL, spreadsheets nobody dares touch — rebuilt into a clean, queryable foundation that AI can actually be trusted to work on.

PMO & governance systems

Custom programme governance, portfolio dashboards, RAID management and executive reporting — built for the real complexity of enterprise transformation, by someone who has run those programmes personally.

HR, payroll & people systems

End-to-end HR platforms covering onboarding, contracts, payroll, leave, performance and compliance — designed for Southern Africa, adaptable globally, and drawing on 30 years of HR systems work from Ceridian to Shell.

Selected projects

Live systems making a measurable difference.

Custom development work across hospitality, automotive, retail and tier-1 investment banking.

Flagship product

Vanilla HUB — Modular Business ERP

A complete, integrated business operating system for SMEs — architected and engineered from scratch by Michael, deployed across multiple industries. Marketing, Sales, Products, Payroll, HR, Stock, Projects and Reporting in one connected platform, with AI assistance built into the product rather than bolted onto it. Every layer — interface, logic, PostgreSQL schema — built AI-native. SARS compliant. POPIA compliant. PAGSA-registered payroll partner.

CRM & SalesHR & People PayrollProject Management Stock ControlReporting & BI Marketing SuiteClient Portal Embedded AI Assistant
8
Integrated modules in one connected platform
3+
Years in active production and development
SA
SARS, POPIA and BCEA compliant by design
Configurable per industry and operational model
AI
Built AI-native end to end — interface, logic and database
Hospitality · Botswana
Customer Rating:★★★★★

Island Safari Lodges — HR platform

A custom HR platform for a growing safari lodge operation managing shift-based roles, seasonal hires and field-based teams. Full employee lifecycle from recruitment to compliance and self-service.

"It has been very easy working with Michael on the development of what we need here at our business. He has proved to be helpful and forthcoming with ideas and solutions and ready at all times to participate in our quest."— Sean Watson, CEO · Island Safari Lodges
Automotive · South Africa
Customer Rating:★★★★★

We Fin Car Rentals — end-to-end platform

A fully custom front-to-back office platform for a rent-to-own car business — replacing an entire Excel infrastructure with customer lifecycle management, vehicle inventory, payment tracking and real-time monitoring.

"In my working experience what we have achieved is almost unheard of... All spreadsheets and reports — contracts, payments, asset registers, vehicles — all closed and balanced. Mike for your program: coding 5 ⭐"— Johan van Vuuren, Financial Controller · We Fin Car Rentals
Retail · South Africa
Customer Rating:★★★★★

Elegant Cookware — ordering & stock control

A centralised cloud platform with real-time order monitoring, automated invoicing, layby management, live stock syncing and built-in analytics — turning fragmented manual processes into a scalable retail operation.

"Vanilla HUB offers an excellent CRM that's intuitive, powerful, and built for real business needs. What really stands out is Michael's sharpness and superior client service."— Siyanda Zindlani, Founder · Elegant Cookware
Enterprise · Investment Banking

FCA Market Abuse Regulation — Credit Agricole CIB

Mission-critical regulatory compliance delivered through COVID-19 as sole PMO. FX trading surveillance and detection controls ensuring full FCA regulatory adherence across front-office operations under unprecedented constraints.

"Programme continuity maintained under remote constraints while strengthening market abuse reporting, monitoring, surveillance and detection controls."— Programme record · CACIB London
Enterprise · Global Investment Banking

Bespoke PMO tooling — Morgan Stanley & HSBC

Custom portfolio dashboards, headcount tracking systems and CIO-level executive reporting tools across two of the world's largest investment banks — delivering measurable improvements in financial control and audit readiness.

"Portfolio dashboards for real-time status and delivery reporting with consistent audit readiness resulting in improved transparency, delivery predictability and financial control."— Morgan Stanley engagement record

The right system
changes everything.

If your business has outgrown spreadsheets and off-the-shelf software —
or you know AI should be doing the work and nobody can tell you how —
you need to get in touch.

Get in touch on WhatsApp
Available worldwide — remote or on-site UK passport holder Responds within 24 hours Based in Johannesburg