Timo Vender
Finance Professional
Lifelong Learner
Tired of messy financial processes?
Hi, I’m Timo, and I’m here to help.
I’ve spent my career helping businesses—and the people who run them—navigate financial challenges. My journey has been a mix of leading projects, managing teams, and learning from every success and setback. Through it all, I’ve discovered that the best solutions come from working together.
My core belief is that wisdom should be shared. So, whether you’re dealing with a messy manual process, a complex financial report, or just a great idea that needs a plan, I’ll be your partner, providing the structure and clarity you need to turn challenges into clear wins.
This site is my digital notebook where I show my work. You’ll find my thoughts, case studies, and a bit about me. When you’re ready to tackle a problem, I invite you to drop me a message, and let’s figure it out together.
My approach
The Philosophy: Wisdom, Certainty, and Control
I’ve learned that every “business & finance challenge” is really just a risk waiting to be mitigated. My goal isn’t just to fix the problem; it’s to enable systems that give you certainty and control over your business’s future.
This page breaks down the exact framework I use—the three pillars of risk mitigation—to transform chaos into a clear, profitable operating model. I don’t believe in abstract advice. I believe in showing my work and building solutions that stand the test of time, just like the ones I built at Wise and every previous company I worked at.
When we work together, we stop the leaks, automate the messy parts, and give you the clear data you need to win.
The 3 Pillars of Risk Mitigation
Here are the three critical areas where businesses most often bleed time, money, and control. These are the areas where we will focus our work to build your resilient operating model.
Data Processing Risk
Your team is drowning in manual data handling. Same data is manually inserted into multiple places and reprocessed again for multiple recurring or one off tasks like reporting, analytics, operational tasks.
Business Process Risk
Everyone in Your team has their own "handwriting" and does things differently. Some peeps are awesome but knowledge is not shared amongst others nor documented. There is no plan what to do when disaster strikes.
Margin & Cash Risk
You're losing money to negative margins, unprofitable and late paying customers. You don't know how the actual net margin across the portfolio, who are the drivers and how to drive. Cashflow needs to be chased.