For Canadian Bank-Owned Wealth Management
Every Line of Business Supervised
Without a Second Install
Four Eyes Financial orchestrates the complete client compliance lifecycle for Canadian bank-owned wealth businesses, from digital account opening and KYC to product governance, point-of-sale suitability, trade surveillance and casework. Retail wealth, advisory services 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
Retail wealth, advisory services and private wealth 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 retail wealth, advisory services 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 CIRO Rules
and the Client Focused Reforms
Obligation
How Four Eyes Helps
Know your client
KYC is collected at account opening and kept current through materiality-based reviews, with material changes routed for supervisor approval.
Know your product and suitability
Products are researched and compared at the point of sale, and suitability is checked against the client’s KYC before the trade in Pre-Trade Analyzer.
Trade supervision
Risk7 ingests multiple books of record daily and screens every trade against 135+ exception types, with separate thresholds for retail wealth, advisory (managed) and private wealth accounts.
Complaint handling
Complaints are tracked against CIRO timelines from intake to close, with ComSet filing and a redress ledger.
Continuing education
Advisor CE is tracked across the CIRO cycle, with FINRA mapping for advisors registered in both Canada and the US.
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 Canadian bank-owned wealth management firms, Four Eyes Financial runs digital account opening, KYC maintenance, product governance, point-of-sale suitability, trade surveillance, complaints and casework for retail wealth, advisory services and private wealth on one dedicated instance.
Can we run retail wealth, advisory services and private wealth on one instance?
Yes. Retail wealth, advisory services 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 services accounts are supervised against their own Risk7 thresholds, separate from retail 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 CIRO obligations does it cover?
Know your client: KYC is collected at account opening and kept current through materiality-based reviews. Know your product and suitability: products are governed on one shelf and compared at the point of sale, and suitability is checked before the trade. Trade supervision: Risk7 ingests multiple books of record daily and screens every trade against 135+ exception types, with separate thresholds for retail wealth, advisory (managed) and private wealth accounts. Complaint handling: complaints are tracked against CIRO timelines with ComSet filing. Continuing education: advisor CE is tracked across the CIRO cycle. 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 Canada, 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, Wealthbox, Microsoft Dynamics 365, DocuSign, PureFacts, FutureVault, QuoteMedia, LSEG Data & Analytics, Fundata, NDEX, Pinnacle and Broadridge Dataphile, Winfund and SIS. 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.