Wealth360 — FSC Powered Implementation Accelerator (India)

A Salesforce Financial Services Cloud (FSC) + Experience Cloud + Agentforce–ready “System of Engagement” accelerator for Indian Wealth Management & Product Distribution firms.

Who this is for

Wealth360 is built for Indian wealth management and investment distribution businesses that run RM-led growth and need a modern engagement layer across: acquisition → onboarding → suitability → portfolio operations → consent → execution updates → reporting and governance.

Primary Users

Relationship Managers (RMs), Investment Counsellors, Sales Teams
RM Managers / Business Heads
Operations (Onboarding, Transactions, Service ops)
Product & Investment teams
Compliance / Risk teams

What Wealth360 Enables

Wealth360 is a unified, FSC-based accelerator covering the full wealth engagement journey:

Lead & opportunity management with attribution and structured engagement logging.
Client 360 (individual, business, household) with relationship hierarchies and AUM signals
Digital onboarding with KYC workflows, bank verification, document collection, FATCA, eSign readiness, and dashboards
Risk profiling with versioned assessment history and suitability controls
Portfolio operations: holdings, valuation, transaction initiation, consent workflow, execution tracking
Model portfolio governance: versioning, impacted-client identification, consent-driven rebalancing, and tracking
Goal-based planning and RM-editable financial plans (Agentforce-assisted optional layer)
RM 360 and Manager 360 workbenches (book of business, productivity, alerts, governance)
Reporting dashboards (AUM, pipeline, productivity, operations controls, compliance)

Why Wealth360 (The Problem it Solves)

Most wealth firms face a mix of: fragmented RM tools, manual onboarding, scattered approvals/consents, weak household context, limited operational visibility, and heavy dependence on spreadsheets/email for portfolio ops and reporting.

Wealth360 standardizes those workflows into an enterprise Salesforce foundation with:

controlled stage gates + audit trails
scalable data model aligned to FSC
integration-ready architecture for the India ecosystem (KYC, bank verification, back-office/RTA/custodian feeds, eSign)

Salesforce Tech Stack (Accelerator Foundation)

Core: Salesforce Financial Services Cloud (FSC)
Client portal: Experience Cloud
AI layer (optional): Agentforce use cases (meeting briefs, interaction summaries, plan drafts, rebalancing rationale)
Build: Apex, LWC, Visualforce, APIs

Product Scope Supported (Asset Classes)

Wealth360 supports multi-asset advisory and distribution journeys across:

Equity, Debt, Gold, Cash
Subtypes such as Mutual Funds, Equities, ETFs, PMS, AIF, Bonds, and Structured Products

Journey summary (End-to-End)

Lead & Opportunity : capture intent, engagement, pipeline governance
Client profile & Risk Profiling : suitability-ready profiles with audit history
Digital onboarding & Account opening : KYC, bank verification, FATCA/nominee, checklist, eSign readiness
Investment path (two tracks):
1. HNI/UHNI: model portfolio selection and allocation
2. Mass affluent: goal-based planning and recommendations
Transaction request & consent : validations + secure approval/consent before execution
Back-office / RTA updates : execution + holdings refresh ingested into Salesforce with controls
RM 360 / Manager 360 : prioritization, book of business, governance, escalations
AI assisted Financial Planning and Goal Tracking.
Model Portfolio Management.
AI assisted Portfolio rebalancing.
AI assisted Dealer/RM Talking Points.

Functional Modules (Accelerator Catalog)

A) Customer 360 (Individual, Business, Household)

What it enables

Individual & business account summaries
Portfolio overview KPIs (AUM, holdings, goals, etc.)
KYC/FATCA/linked contact context embedded in client profile views

B) RM 360 (Advisor workstation)

What it enables

Daily productivity dashboard (leads, tasks, opportunities, meetings)
Client book segmentation, alerts, and next actions
Meeting preparation toolkit and servicing helpers

C) Manager 360 (Manager / BU Head console)

What it enables

Manager book of business: RM performance + AUM + pipeline
Team book insights, client transfer support patterns, drilldowns
Business dashboards for oversight and governance

D) Product, Scheme & Market Data Management

What it enables

Structured product and scheme metadata
Historical NAV/price management and daily price viewer patterns
Market data file ingestion readiness

E) Digital Onboarding & Account Opening

What it enables

PAN/Aadhaar/mobile/email verification (API-driven)
Bank validation + penny-drop
Document upload + FATCA capture + eSign readiness
RM + client onboarding status dashboards

F) Risk Profiling & Suitability

What it enables

Digital questionnaires + scoring
Auto-classification (Conservative / Balanced / Aggressive)
Versioned risk profile history and reassessment logs

G) Transaction Management + Consent + Tracking

What it enables

Purchase/redemption/switch instruction initiation with validations
Secure digital consent workflow
Back-office integration patterns for order execution + reconciliation
Status tracking end-to-end

H) Holdings & Portfolio Management

What it enables

Real-time (or near real-time) holdings/valuation views (dependent on feeds)
Asset allocation and performance insights
Transaction history and cash flows
Deviation/risk signals for RM/manager oversight

I) Model Portfolio Management & Rebalancing

What it enables

Model portfolio definition with weights and version control
Governance for MP changes (review/approve)
Identify impacted clients, generate RM workflows, and capture client consent
Track execution and holdings update post consent

J) Financial Planning + Goals (Agentforce-ready)

What it enables

Structured financial plan lifecycle; RM-editable outputs
Goals creation, funding linkages, progress dashboards
Alerts for underfunded/overdue goals
AI-assisted plan drafts and recommendations (optional, governed)

K) Reporting, Dashboards & Business Metrics

What it enables

Standard report and dashboard starter pack (examples: ~20 reports, ~10 dashboards)
AUM, portfolio, RM productivity, book-of-business reporting
Export/scheduling and dynamic filter patterns

L) Mobile enablement

What it enables

RM mobile access patterns (tasks, pipeline, client views)
Manager mobile access patterns (team dashboards and oversight)

AI Use Cases (Agentforce Layer — Optional)

Wealth360 includes well-defined AI use cases that remain human-in-the-loop (RM review/edit) and governed:

1) AI Interaction Summary Generation

Summarizes activities (emails, meetings, chatter, tasks)
Extracts key points, decisions, action items, and next steps
Stores in a structured Interaction Summary object

2) AI Interaction Summary Generation

Uses client context (assets, income, liabilities, goals, risk profile)
Proposes goals (short/medium/long), target corpus, time horizon
Generates goal-wise investment recommendations + SIP/lumpsum suggestions with rationale
RM reviews/edits before finalization

3) AI Rebalancing Support (Model Portfolio Rebalance Agent)

Detects drift vs. the latest MP version and allocation deviations
Suggests buy/sell actions with rationale and suitability score
Can factor tax impacts (LTCG/STCG), exit load, and goal impact (where enabled)
Produces structured output to create rebalancing action records

Integration Readiness (India Wealth Ecosystem)

Wealth360 is designed to integrate with typical wealth/back-office ecosystems, including:

KYC and bank verification services (PAN/Aadhaar/mobile/email, penny-drop)
Back office / RTA / custodian systems for orders, execution updates, holdings refresh, and reconciliation
Market data feeds (NAV/price ingestion and historical price storage)
eSign and document services (hook points)

Enterprise-Grade Controls (Governance & Audit)

Wealth360 is built with enterprise governance patterns:

Role-based access model (RM/Manager/Ops/Risk/Admin)
Controlled stage gates and approvals (onboarding, consent, MP changes)
Document + consent audit trail across lifecycle
Integration monitoring patterns (exception queue, retries, reconciliation readiness)

What Makes This an “Implementation Accelerator.”

Wealth360 is not just a feature list—it is an implementation-ready accelerator package with:

FSC-aligned data model enablement for India wealth use cases
Pre-defined journeys (RM-led onboarding, risk profiling, transactions, consent, MP governance)
Starter dashboards and reporting structure
Agentforce-ready prompts and workflow entry points (optional)

Reference Deliverables (What You Get With The Accelerator)

Wealth360 capability baseline (Customer 360, RM 360, Manager 360, onboarding, transactions, holdings, reporting)
Product/scheme and market data management foundations
Model portfolio governance + rebalancing workflow patterns
Financial planning + goals workflow + (optional) AI accelerators
Experience Cloud portal patterns for onboarding + consent + visibility
Integration-ready architecture patterns for KYC/bank verification and back-office feeds

Value Delivered (Typical Outcomes)

Faster onboarding and reduced RM/Ops follow-ups via controlled workflows and dashboards
Better client servicing via 360 views + household context + interaction trails
Improved compliance posture through versioned risk profiling and consent audit trails
Stronger governance for model portfolio changes with impacted-client routing and approvals.
Leadership visibility through RM/Manager book dashboards and operational controls