Relationship Agent
Owns the UHNW relationship: next-best-actions, briefs and client contact.
Watches every household for material signals (a concentrated position drifting, a liquidity event, a trust distribution due), decides the next-best-action, and prepares the client conversation. Recommendations clear the suitability re-derivation and the registered principal's review before contact. Owns the relationship across the book end to end.
Authority
Act within policy
Team role
Monitors and escalates
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Private Bank (UHNW)
Desk workflow
Relationship review, then multi-asset portfolio analysis, then a bespoke proposal, then structuring (trusts, lending against assets), then ongoing service. A relationship agent covers each complex household across its many entities.
Collaboration
Coordinates parallel monitors or workers
Decision boundary
Acts only within an explicit policy, permission and escalation boundary.
Systems and capabilities involved
CRM + interaction history
Portfolio drift monitor
News + corporate-event feeds
Calendar + task system
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
Context
What the role needs to do the work
- Current work
- The triggering signal + the household's current state.
- Prior interactions
- Past interactions, commitments made, the family's history.
- Policies and reference
- What constitutes a material event by client archetype.
- Working method
- Not specified for this role.
Checks and boundaries
What must be tested or reviewed
- 01Next-best-action relevance scored against the suitability gate's accept/reject signal.
- 02Hard suppression of anything that reads as solicitation without a suitability basis.
- 03Any recommendation to a client clears the suitability re-derivation and the registered principal's review before contact.
Human authority
Acts only within an explicit policy, permission and escalation boundary.
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