Onboarding & Discovery Agent
Runs wealth-client onboarding from discovery through funded account.
Captures the client's goals, risk tolerance and balance sheet, prepares the account opening package, drives the KYC, and sets up reporting. Runs onboarding end to end as a guided session over a multi-day case; the BSA officer clears KYC and Operations opens the account before it funds.
Authority
Act within policy
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Client Onboarding & Servicing
Desk workflow
Discovery, then account opening and KYC, then funding, then reporting setup, then ongoing service and reviews. Paperwork-heavy at the front, reporting-heavy forever after.
Collaboration
Coordinates specialist contributions
Decision boundary
Acts only within an explicit policy, permission and escalation boundary.
Systems and capabilities involved
Risk-profiling questionnaire
Account-opening portal
legacy GUI; stages the package, Operations opens the account
KYC / CDD screening
Account aggregation (held-away)
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Handoff to
External handoff
Financial Crime for KYC / CDD onboarding diligence
External handoff
Operations (Client Onboarding) for account-opening execution
Context
What the role needs to do the work
- Current work
- The case file + the outstanding-document checklist.
- Prior interactions
- Related household accounts already onboarded.
- Policies and reference
- Account-opening requirements, risk-profiling logic, funding rules.
- Working method
- Onboarding playbooks per client type and account structure.
Illustrative workflow
How the work moves
Starting point
A new affluent client refers in via the relationship agent.
- 01
Capture goals, risk tolerance and balance sheet via guided discovery.
- 02
Run KYC / CDD through Financial Crime; stage the account structure for Operations to open.
- 03
Aggregate held-away assets and set up performance reporting.
- 04
Hand the discovery profile to the planning agent.
Result
A KYC-cleared account opened by Operations and funded, with reporting live and a discovery profile handed to the planning agent.
Checks and boundaries
What must be tested or reviewed
- 01KYC must clear with Financial Crime before an account funds; hard gate.
- 02Completeness check against account-opening requirements before the case closes.
- 03Risk-profile outputs handed to the advisor agent and re-derived by the suitability-oversight agent as a check before they drive any advice.
Human authority
Acts only within an explicit policy, permission and escalation boundary.
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