Client Onboarding

This walks you through building a complete onboarding system for wealth management firms, from prospect intake through funded account. It covers the orchestration you need between identity verification vendors, custodian APIs, document generation, e-signature, and compliance checkpoints like OFAC screening and beneficial ownership collection. Most useful when you're evaluating whether to build or buy an onboarding platform, trying to reduce NIGO rates with your custodian, or figuring out where to embed CIP checks and suitability questionnaires in the flow. The material on entity accounts and beneficial ownership rules is solid if you're dealing with trusts or corporate clients. It assumes you understand the advisor-assisted versus self-service tradeoff.

skills.sh installs: 701
GitHub stars: 224
last updated: Aug 21, 2026

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Install

$ npx -y skills add joellewis/finance_skills --skill client-onboarding --agent claude-code

Installs into .claude/skills of the current project.

Files

Client Onboarding

Core Concepts

Onboarding Workflow Architecture

Client onboarding is an orchestrated, multi-stage process that transforms a prospect into a funded, investable account. The canonical stages are:

Prospect intake — capture contact information, establish CRM record, assign advisor
Identity verification — CIP/KYC checks (name, DOB, address, SSN/TIN, government ID)
Suitability data collection — investment objectives, risk tolerance, time horizon, financial situation
Account type selection — individual, joint, trust, IRA, entity, or other structure
Document generation — assemble the required document package based on account type and features
E-signature — execute new account forms, agreements, and disclosures electronically
Custodian submission — transmit the completed application to the custodian for account creation
Funding — ACH, wire, ACAT transfer, or check deposit to fund the new account
Initial investment — assign the funded account to a model portfolio or execute the initial trade