Enterprise-grade architecture. High-velocity AI execution. Absolute business alignment. We combine 35 years of complex systems engineering with state-of-the-art agentic pipelines to take your vision from an uncompromised concept to a fully supported delivered solution—engineered to scale, free of enterprise premium bloat, and backed for life. Totus FIQ is our living engineering showcase.
Marilyn HowardIndustry veteran · LinkedIn 35+
Years experience
Certified
AWS professional
Enterprise
Solutions expert
AI-ready
Next-gen delivery
Most software engagements fail in the gap between the boardroom and the server room. Consultancies either hand you a passive slide deck of abstract architecture diagrams, or rush into writing messy code that completely misses your actual business requirements.
We engineer total solutions. Leveraging 35 years of high-compliance infrastructure experience, we bridge that gap entirely. We take your complex commercial concept, translate it into mathematically correct relational models, and accelerate production-grade deployment using governed, master-architect AI pipelines.
From initial requirement lockdown to cloud-native serverless implementation and dedicated post-deployment support—we deliver rock-solid digital assets designed to meet your precise business objectives.
Pillar A
Concept to Production-Grade Code (Responsible AI Velocity)
Superficial AI code generation results in brittle, unstable structures that crash under load and force expensive rewrites. We govern high-velocity agentic pipelines with institutional systems rigour. We thoroughly map your relational schemas, multi-tenant boundaries, and regional compliance guardrails before code is ever run—delivering clean, highly maintainable systems at a much more affordable cost.
Pillar B
Full Lifecycle Delivery & Production Support (Long-Term Integrity)
We do not walk away at deployment. We ensure that requirements are entirely locked down to map perfectly to your business objectives, execute seamless cloud-native delivery via serverless parameters, and provide dedicated, rock-solid post-deployment support. Your operational stability is our long-term commitment.
Featured insight
Thought leadership · LinkedIn Pulse
Master Delegation, Description, Discernment, and Diligence to maintain human agency in the age of AI. We are the architects; AI is the crane.
Read on LinkedInWe do not build superficial software, and we do not deliver abstract advice. Backed by 35 years of systems engineering for global banking networks and tech giants, Totus delivers complete digital realizations. By running state-of-the-art Agentic AI development pipelines under strict master-architect governance, we help scaling enterprises lock down data models, enforce logical multi-tenant boundaries, and execute production-ready, fully supported deployments that map perfectly to your business requirements.
Mid-market CFOs and PE operating partners lose millions to Decision Lag. When subsidiaries run on different ERPs, consolidating the board pack takes weeks of manual Excel agony—and finance teams hire clerks instead of deploying intelligence.
Totus FIQ replaces the spreadsheet patchwork with unified FP&A in one cloud-native platform—planning, reporting, executive dashboards, and AI-powered financial intelligence—driven by a rigorous canonical data grain and five specialist agents.
70%
Faster budget cycles
Weeks to days
85%+
Forecast accuracy
Autonomous AI models
10×
More affordable
Vs enterprise FP&A
Planning, reporting, executive dashboards, period close, collaboration, and board packs in one product—not spreadsheets and disconnected tools.
A rigorous dimensional data contract ensures actuals, budgets, and forecasts flow from canonical source tables—eliminating the “which number is right?” problem.
Five named agents provide natural-language Q&A, autonomous forecasting, PVM variance, anomaly detection, and executive orchestration—woven into reporting surfaces, not bolted on.
// The consolidation problem
Mid-market groups rarely run one ERP. Totus FIQ was engineered for the hard cases— different charts of accounts, Sage composite strings, multi-currency operating units, and multi-entity roll-ups in one consolidated view.
Pain
SAP at group HQ, Sage 300 in manufacturing, NetSuite in a subsidiary, Xero in an acquisition—each ledger with its own account hierarchy. Finance teams lose weeks manually flattening exports into a single board pack.
Totus FIQ
Every connector normalises to the same reporting grain—entity × account × period × scenario—so P&L, variance, forecasting, and AI agents read one validated source of truth across the group.
Pain
Delimited codes like 4150-22-SLS-051 are common in manufacturing and distribution. Segment meaning varies by account family—a discount line uses different depth than revenue. One flat mapping template fails; spreadsheet mapping breaks every close.
Totus FIQ
Totus groups Sage codes by natural account prefix, infers dimension positions per family, maps BudgetSet scenarios (actual, budget, forecast), and routes unmapped codes to quarantine—not silent data corruption.
Pain
Private equity and multi-entity groups need inter-company eliminations, ownership percentages, and entity roll-ups—but each subsidiary closes on its own ERP timeline with its own chart.
Totus FIQ
Bring multiple legal entities into one tenant with entity hierarchies, consolidated statements, and segment analysis—without forcing a rip-and-replace ERP programme first.
Pain
Operating units plan in ZAR while the group reports in USD—or subsidiaries invoice in different currencies. Spreadsheet FX tables drift from ERP actuals and corrupt variance analysis.
Totus FIQ
Facts store in tenant functional currency; ingest declares source currency per load. Users present in their preferred currency at read time—group reporting stays mathematically consistent.
// AI specialist agents
Five Totus FIQ agents—orchestrated by Jeeves—extend your finance team with forecasting, PVM variance, anomaly detection, and executive briefings against the same validated canonical grain.
Financial Insights
Natural-language Q&A across your canonical grain—trends, strategic insights, and executive-ready narratives grounded in validated numbers.
Forecasting
AI-assisted driver-based forecasting that self-corrects as actuals close. Multi-period projections replace spreadsheet cycles with models tied to your dimensional contract.
Variance & PVM
Sequential price-volume-mix decomposition across budget, forecast, and prior periods—with auditable drill-down narratives behind every deviation.
Anomaly Engine
Forensic surveillance that never sleeps—duplicate invoices, dimensional outliers, vendor anomalies, and process cracks caught before month-end.
Executive Butler
Orchestrates the specialist agents, routes questions to the right expert, and delivers KB-grounded, unified executive responses.
About the founder
Founder & CEO
Former Chief Cloud Architect at IBM and CTO for global enterprise groups. With 35+ years of systems engineering, Marilyn brings specification-driven rigour to every engagement — whether deploying Totus FIQ for mid-market CFOs or architecting high-compliance platforms.
Peer-to-peer advisory, not package-driven consulting. When prospects see multi-tenant consolidation running across deep accounting schemas, the relationship follows naturally.
Marilyn Howard is a veteran technology leader, solutions architect, and business intelligence expert with over 35 years of systems engineering success. Having served as the Chief Cloud, Data, and Solutions Architect at IBM South Africa, Group CTO for international firms, and technical lead for global banking groups, she founded Totus Management Solutions to bring ironclad, highly structured architectural excellence to mid-market financial software and custom high-compliance systems.
+27 82 923 8767
marilyn.howard@totus.co.za fiq@totus.co.zaJohannesburg, South Africa
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