Industries/Asset & wealth managers/KYC Agent
Entity and trust onboardingasset & wealth managers.
Family office trusts link grantors, trustees, and beneficial owners so the CCO approves with a single graph view. Compliance collects trust deeds and W-9s in shared drives.
Scenarios in asset & wealth managers
Multiple custodians, one firm GL
Fidelity, Schwab, and Pershing files use different tags for the same economic movement. Agent links trustees, grantors, and UBOs with percentage checks.
Family office structures
CCO approves client acceptance.
Entity and trust onboarding
The demo onboarding file for Halvorsen Trade Partners includes a UBO declaration listing Erik Halvorsen 40% and Ingrid Halvorsen 35%.
What the agent checks
- UBO percentage sum equals 100% (or documented unknown)
- Resolution signatories match director registry
- Hidden owner detection when cap table ⊃ UBO list
- Sanctions / PEP screening at institution threshold
- High-risk geography and industry policy gates
- Source-of-funds plausibility vs stated activity
How it works
- 1
Ingest the pack
Accept PDFs and pasted text from your trial upload or document repository. Classify document type and extract legal name, jurisdiction, and signatories.
- 2
Build the ownership graph
Parse UBO and cap-table statements into a graph. Flag when disclosed percentages do not sum to 100%, when a resolution names an owner missing from the UBO form, or when nested entities lack documentation.
- 3
Screen and score
Run sanctions, PEP, and adverse media checks at configured thresholds. Separate true matches from false positives with explainable match fields.
- 4
Apply policy
Map geography, industry, product type, and screening results to your risk rating model. Assign CDD or EDD paths and required evidence lists.
- 5
Route for decision
Present a disposition packet to onboarding or BSA — approve, request documents, or decline — with every check cited.
Questions
Fund-level vs firm-level?
Pilots can target firm GL first; fund accounting feeds can be added when custodian mappings exist.
Do you calculate NAV?
No — FinanceAI focuses on reconciliation, KYC evidence, and close, not portfolio accounting.
Does FinanceAI need live API access on day one?
No. Many pilots start with scheduled BAI2/MT940/CAMT.053 files and GL exports over SFTP. Read-only APIs come next once security review passes. The live demo uses the shared Aster Bank synthetic ledger.
What if Stellitron Intelligence is unavailable?
Every decision still runs through deterministic rules: amount matching, transposition checks, UBO percentage math, screening score thresholds, and flux materiality gates. Optional intelligence only improves extraction and narrative.