01Engineering
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A global semiconductor company
20× faster design turnaround
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AI consulting Case studies Finance
Case study · Finance
Client operations for a wealth group
A wealth management group with four regulated businesses
3 h → 20 minfor each client investment review
Client profile
- Company
- Wealth group: investment advice, discretionary management, short-term insurance and fiduciary services
- Clients
- About 2,400; two in three use more than one of the four businesses
- People
- About 30 staff, including 8 advisers
- Before
- A legacy wealth CRM, spreadsheets, provider statements as PDFs and portal downloads, a screening service, e-signature and email
- Built in
- About four months
The challenge
What wasn’t working.
Each business kept its own view of the same clients. Onboarding meant checking identity documents and proofs of address by eye, screening every party and rating the risk, under regulation that requires the evidence on file. Investment reviews were put together by hand from statements in a dozen formats, so the group’s most valuable clients were the most expensive to report on.
The audit
What we found.
We mapped onboarding, compliance, servicing and reporting across all four businesses, with the people who run them.
- Two in three clients dealt with more than one business, so their details were kept, and updated, more than once.
- 50 to 70 investment reviews a month were consolidated by hand from platforms, brokers and product issuers.
- Compliance checked every identity document and proof of address by eye before a client could be activated.
- Re-checks were due on a cycle set by each client’s risk rating, and tracked by hand.
Skilled people spent their days gathering and re-keying data across systems, not advising clients.
What we built
One operating system for the group, with AI doing the reading and checking, and people making every decision that regulation puts on them.
-
01
One client, four businesses
A single record per client, with each business, adviser and role seeing only what it should.
-
02
Onboarding and activation
AI reads each uploaded document and compares it with the record: ID number, name, the date on a proof of address, signatures and expiry. Compliance sees every flag with the evidence, and decides.
-
03
Screening and risk
Every party is screened, every client risk-rated, and re-checks are scheduled from the rating, with reminders and an audit trail.
-
04
Investment reviews
Holdings and valuations come in from providers. An exceptions screen shows what is missing or stale, the adviser approves, and the review is issued as a locked document.
-
05
Servicing and audit
Withdrawals, switches and claims run as tracked workflows with deadlines. Every action is logged, and the data stays in the country.
What stays with a personCompliance approves every activation, and an adviser approves every review before a client sees it.
How it was built
- Month 1Records, roles and access across the four businesses
- Month 2Onboarding, screening and the compliance queue
- Month 3Servicing workflows, commission and the FX desk
- Month 4Investment reviews, and the legacy records moved across
Results
What it returns.
-
3 h → 20 min
for each client investment review †
-
≈4,300
hours a year back across the group †
-
5
checks on every document before compliance sees it
-
278,000
rows moved from the legacy system
-
1
record per client, across four businesses
-
4 months
to build
† An estimate, modeled from the client’s own volumes and roles.
The value
$220,000–$265,000 a year
Adviser time at $100 an hour, operations and compliance at $50, U.S.-equivalent. More client reviews per adviser, and avoided regulatory penalties, are not counted.
| Value driver | Amount | How it is worked out |
|---|---|---|
| Adviser time on investment reviews | $192,000 | 60 reviews a month × 2 h 40 min saved = 1,920 hours × $100 |
| Servicing and re-keying across businesses | $55,000 | 1,100 hours × $50 |
| Re-checks and screening | $34,000 | About 700 risk-based re-checks a year and screening hits, 685 hours × $50 |
| Onboarding and document checks | $20,000 | About 25 activations a month, 400 hours × $50 |
| Commission, FX and reporting | $12,000 | 234 hours × $50 |
| Realized in year one | $220,000–$265,000 | $313,000 discounted to 70–85% |
Value is staff time the work no longer takes, priced at a fully loaded hourly cost and discounted to 70 to 85 percent for partial realization. Revenue gains are left out. We show the arithmetic so you can test it with your own figures.
See how it looks to the team.
A two-minute demo you can click through: one piece of the work, by hand and then with the build. Made-up people, real work.
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