Suitability & Risk
Monitors client profile changes, drift, allocation mismatches, missing rationale, and suitability gaps. It ensures the client's stated objectives, risk tolerance, and account profile remain aligned with actual activity.
Why This Matters
Suitability issues usually emerge months after a mismatch occurred — during audits, exams, or a complaint. Drift is rarely malicious; it happens because CRM, portfolios, and advisor notes fall out of sync.
Suitability doesn't fail because advisors don't care. It fails because profiles, portfolios, and activity drift apart over time.
What This Agent Automates
- Detects drift between allocations & stated objectives
- Flags missing rationale for trades
- Matches CRM profile vs custodial profile vs advisor notes
- Identifies material changes requiring updates
- Ensures Reg BI / suitability requirements are met
What It Eliminates
- Advisors forgetting to update profiles
- Ops discovering mismatches months later
- Principals reviewing trades without context
- Inconsistent suitability decisions across advisors
How It Works
Map
Client profile: Source CRM, custodian, intake data.
Monitor
Trades, rebalancing, new products, large deposits.
Detect
Allocation, risk, suitability gaps.
Trigger
Advisor follow-up, profile updates, supervisory review.
Example Outputs
Suitability drift: 32% equities increase vs target allocation.
Profile mismatch: CRM shows Conservative, portfolio Medium.
Missing: rationale for exception trade.
Who This Helps
Advisors
Stay aligned with client goals without manual monitoring.
Supervisors
Instant visibility into portfolio-to-profile drift.
Ops Teams
Ensure account data is consistent across all systems.
Compliance
Fulfill Reg BI and suitability obligations automatically.