M
Machine Intelligence
AI, automation, and advanced analytics — production-grade agents and decision support.
Independent · Senior · Global Experience
Strategic advisory for Economic, Finance & Data systems.
M3A Consulting helps Banks, Telcos and Government navigate transformation with analytical rigour. A panel of senior advisors and partners with global experience scaling multi-man-year implementations. Fixed scope. Outcomes that compound.
6 wks
First agent in production
100%
Senior-led delivery
0 conflicts
No vendor commissions
~ m3a-agent · compliance-review.task
Live
14:02:13 · context
Loaded knowledge: APRA CPS 230, CPS 234, Privacy Act
14:02:14 · ingest
Reading vendor contract — 47 pages
14:02:18 · classify
Detected: 6 material outsourcing controls
14:02:21 · evaluate
Cross-checking against CPS 230 §35–§42
14:02:25 · draft
Generating audit-ready summary
14:02:28 · handoff
Routing to senior reviewer
Latency: 14.2s · Cost: $0.04
● Production · m3a-agent v2.4
Built for enterprise teams in
Banking & Lending
Telecommunications
Government & Policy
Enterprise Data Systems
Four disciplines, one firm.
M3A is the structure of the work — three M-disciplines feeding into Advisory. The name is the value proposition.
M
Modelling
Economic, banking, forecasting and systems models — auditable, defensible, decision-ready.
M
Metrics
Measurement, reporting and operational intelligence — the layer that closes the loop.
A
Advisory
Strategic consulting and execution guidance — senior-led, fixed-scope, partner-signed.
Production agents, not demos.
M3A builds AI agents that pass internal audit and outside scrutiny. Every agent ships with evaluation harnesses, cost guardrails, audit trails, and a runbook your team can operate.
Customer Service Agents
Tier-1 deflection agents grounded in your knowledge base, with handoff to humans on confidence drops, full transcript audit, and PII redaction.
- Knowledge-grounded RAG
- Multi-turn with state
- Live handoff & audit
Compliance & Audit Agents
APRA CPS 230, ASIC, ATO, Privacy Act. Document-grounded compliance review with citations, severity scoring, and regulator-ready summaries.
- Citation-anchored answers
- Severity & gap scoring
- Submission drafting
Forecasting & Pricing Agents
Demand-elasticity, scenario libraries, counterfactual evaluation. Models that defend their assumptions and quantify their uncertainty.
- Counterfactual & uplift
- Scenario simulation
- Audit-grade traceability
From hypothesis to production in three stages.
No black boxes. No surprises. A senior partner stays on the ground from the first conversation until your team can run the agent without us.
1
Discover
We frame the problem in your language, surface unstated assumptions, and propose three plausible agent designs before any model is built.
2
Build
Production-ready agent with eval harness, cost guardrails, audit trail, and a runbook. Quantitative work runs alongside stakeholder review.
3
Embed
Senior-led embedded delivery. Partners stay on the ground until the agent is live, your team owns it, and your runbook is in production.
Four focus areas, deep capability.
We work where regulators care, audits matter, and the analytical bar is high. Senior advisors who have shipped at scale across these systems.
Banking & Lending
Mortgage analytics, servicing operations, reporting and transformation.
→Telecommunications
BSS analytics, customer operations and enterprise reporting.
→Government & Policy
Economic modelling, regulatory readiness and operational analysis.
→Enterprise Data Systems
Decision-support architecture and scalable analytical environments.
→Numbers, not logos.
We do not name our clients on the public web. The metrics below are anonymised and audited; full briefs are available under NDA.
$42m
Operations cost reduction delivered through operating-model redesign and analytical transformation across servicing and reporting functions.
Operating model · Analytical transformation12 wks
APRA readiness program. Governance, reporting and control uplift delivered for a listed financial services organisation, end-to-end.
Regulatory readiness · Controls uplift3×
Analytical throughput uplift through enterprise data-platform redesign in a national telecommunications environment — GSM, services and billing.
Data platform · BSS analyticsIndependent. Accountable. Insured.
Australian-resident data. Big-Four-grade controls. Decisions you can defend in front of an auditor, a regulator, or a board.
SMSF Association · Member
APRA & ASIC · fluent
ATO · audit-aligned
ISO 27001 · controls aligned
Australian Privacy Principles
Professional Indemnity · A$20M
Senior, by design.
No junior pyramid. No rotated teams. Every engagement is led by a partner whose name you will see on every recommendation.
Founded in 2019 by senior alumni of the Big Four and the Australian banking sector, M3A is a privately held advisory firm with offices in Sydney and Brisbane — serving clients across Australia and New Zealand.
We work with executives who want considered counsel rather than pitched answers. The work is independent of any implementer, vendor, or product. The only thing we sell is our judgement, and the only way we sell it is by writing it down.
Senior-led delivery from diagnosis through execution. No fragmented handoffs. No layered delivery structures. There is only the TEAM M3A.
MA
Director
Madhu Amayil
Economic policy & banking
Eighteen years across banking, mortgages, and economic data modelling. Published policy work on SMSF reform.
SA
Partner
Sendan Amudan "Sen"
Data, AI & transformation
Data and AI lead. Builds the platforms M3A's analytical work runs on. Decision-grade infrastructure, not demos.
Now booking · Q3 2026
Tell us about your decision.
Tell us what you are working on. If it is a fit, a senior partner will be on a call with you inside three Australian business days. If it isn't, we will tell you who is.