For U.S. Bank-Owned Wealth Management
Every Line of Business Supervised
Without a Second Install
Four Eyes Financial orchestrates the complete client compliance lifecycle for U.S. bank-owned wealth businesses regulated by FINRA and the SEC, from digital account opening and KYC to product governance, point-of-sale suitability, trade surveillance and casework. Brokerage, advisory and private wealth each run on their own thresholds, on one dedicated instance, with one exam-ready audit trail.
What Changes
Multiple Lines of Businesses
One Platform
Three businesses, one instance
Brokerage, advisory and private wealth businesses run side by side, each supervised against its own thresholds, without a second install.
Accounts opened across custodians
Clients open accounts online in their preferred language, with each custodian’s rules and account types applied through Digital Onboarding.
Only the exceptions that matter
Risk7 ingests books of record from multiple custodians daily and screens every trade against 135+ exception types, with separate thresholds for each line of business.
One unified product shelf
Product Shelf Management approves, restricts, and rates products once, with every modification governed by mandatory dual-control approval and unified across all lines of business.
Value for Every Role
Tailored Value Across
Every Line of Business
For Advisors and Portfolio Managers
Open accounts online, with clients e-signing in their preferred languageClients update their own KYC in one stepResearch and compare products from one governed shelfCheck a proposed trade against the client’s KYC before the order
For Compliance and Supervision
Unified Risk7 queues: review trade exceptions and focus solely on what requires human judgmentSeparate thresholds for brokerage, advisory and private wealthApprove new accounts and material KYC changes against the file on recordEvery review logs the reviewer’s identity and timestamp
For Operations and Leadership
New accounts arrive in good order, validated before submissionBooks of record from multiple custodians ingested dailyCases routed to the right team with no-code rules and business-day deadlinesDeadline and CE reporting across the firm, exportable to CSVSingle sign-on and role-based access for every role
Before and After
From Siloed Businesses
to One Exam-Ready Record
Today
With Four Eyes
A separate system for each line of business
One dedicated instance, with each business supervised against its own thresholds
Paper KYC updates mailed, signed and re-keyed
Clients confirm or update their KYC in one step with KYC Maintenance, in their preferred language
Trades reviewed custodian by custodian from siloed systems and reporting
Risk7 screens every trade across multiple custodians and surfaces only the exceptions that need human judgment, with thresholds by line of business
Account applications re-keyed and checked by hand
Accounts opened online, e-signed and validated before submission in Digital Onboarding
Product approvals tracked in spreadsheets
One unified shelf in Product Shelf Management, with every change governed by dual-control approval
Cases routed by email and logged in spreadsheets
Cases routed to the right team with no-code rules and business-day deadlines in Case Management
Regulatory Map
Mapped to FINRA Rules and Regulation Best Interest
Obligation
How Four Eyes Helps
Know your customer
KYC is collected at account opening and kept current through materiality-based reviews, with material changes routed for supervisor approval, supporting FINRA Rule 2090.
Suitability and best interest
Products are governed on one shelf and compared at the point of sale, and suitability is checked against the client’s profile before the trade in Pre-Trade Analyzer, supporting Regulation Best Interest and FINRA Rule 2111.
Trade supervision
Risk7 ingests multiple books of record daily and screens every trade against 135+ exception types, with separate thresholds for brokerage, advisory (managed) and private wealth accounts, supporting supervision under FINRA Rule 3110.
Exceptions and casework
Exceptions, inquiries and follow-ups become governed cases with an owner, business-day deadlines and secondary approval in Case Management.
Continuing education
Advisor CE is tracked against FINRA Rule 1240 Regulatory and Firm Element requirements, with CIRO mapping for advisors registered in both the US and Canada.
Exam readiness
Every review and decision logs the reviewer’s identity and timestamp.
Built for Regulated Firms
Single-Tenant and SOC 2 Type II Compliant
Every firm runs on its own instance with unique encryption keys, with SOC 2 Type II controls independently audited by Aprio LLP, headquartered in Atlanta, Georgia.
Frequently Asked Questions
The Compliance Lifecycle Solution for Bank-Owned Wealth Management
What is compliance workflow software for bank-owned wealth management?
Software that manages the client compliance lifecycle across a wealth business’s lines of business in one place. For U.S. bank-owned wealth management firms, Four Eyes Financial runs digital account opening, KYC maintenance, product governance, point-of-sale suitability, trade surveillance and casework for brokerage, advisory and private wealth on one dedicated instance.
Can we run brokerage, advisory and private wealth on one instance?
Yes. Brokerage, advisory with managed (discretionary) accounts and private wealth run side by side on one dedicated instance, each supervised against its own surveillance thresholds, without a second install or a second set of client records.
How are managed (discretionary) accounts supervised?
Advisory accounts are supervised against their own Risk7 thresholds, separate from brokerage and private wealth, and the Mandate Drift report, run on a daily or monthly cycle, flags accounts whose allocation has drifted from the client’s risk profile and investment policy.
Does it work with multiple custodians?
Yes. Digital Onboarding opens accounts across custodians with custodian-specific rules and account types, and Risk7 ingests books of record from each custodian daily, so every line of business is supervised in one queue whichever custodian holds the account.
How are cases routed across teams and lines of business?
Case Management assigns each case category a default team, and no-code routing rules, which compliance can test before publishing, route cases to teams, supervisors or advisor groups with business-day deadlines and secondary approval.
Which FINRA and SEC obligations does it cover?
Know your customer: KYC is collected at account opening and kept current through materiality-based reviews, supporting FINRA Rule 2090. Suitability and best interest: products are governed on one shelf and compared at the point of sale, and suitability is checked before the trade, supporting Regulation Best Interest and FINRA Rule 2111. Trade supervision: Risk7 ingests multiple books of record daily and screens every trade against 135+ exception types, with separate thresholds for brokerage, advisory (managed) and private wealth accounts, supporting FINRA Rule 3110. Continuing education: advisor CE is tracked against FINRA Rule 1240. Exam readiness: every review and decision logs the reviewer’s identity and timestamp.
How is client data protected?
Every firm runs on its own single-tenant instance with unique encryption keys, hosted in the United States, with SOC 2 Type II controls independently audited by Aprio LLP, headquartered in Atlanta, Georgia.
Does Four Eyes support single sign-on and role-based access?
Yes. The platform supports single sign-on and role-based access control, with permissions set by the firm for every role.
Which systems does Four Eyes integrate with?
Your existing stack, including Salesforce, Microsoft Dynamics 365, DocuSign, FutureVault, QuoteMedia and LSEG Data & Analytics. See the full integration list.
Is the platform multilingual?
Yes. Clients complete account opening and KYC updates in their preferred language, and advisors, associates, supervisors and analysts can each choose the language they work in within the platform.
Can we start with one module?
Yes. Start with the module that solves today’s bottleneck and add others on the same data layer when you’re ready, without re-implementation.
Built for Bank-Owned Wealth
See Four Eyes Across Your Lines of Business
Book a walkthrough built around your lines of business, security requirements and existing systems.