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
- check_circleDetects drift between allocations & stated objectives
- check_circleFlags missing rationale for trades
- check_circleMatches CRM profile vs custodial profile vs advisor notes
- check_circleIdentifies material changes requiring updates
- check_circleEnsures Reg BI / suitability requirements are met
What It Eliminates
- closeAdvisors forgetting to update profiles
- closeOps discovering mismatches months later
- closePrincipals reviewing trades without context
- closeInconsistent 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.