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Financial Services Industry Workflows

Version: 1.0.0 Last Updated: December 12, 2025 Industry: Financial Services Total Workflows: 50

Workflow Overview​

This document provides 50 comprehensive financial services H.P.006-WORKFLOWS designed for banks, investment firms, insurance companies, and regulatory compliance operations. Each workflow includes automated steps, agent dependencies, quality assurance integration, and execution guidance for financial industry operations.

Key Features:

  • Automated financial H.P.006-WORKFLOWS for operational efficiency and compliance
  • Integration with financial H.P.001-AGENTS (banking-specialist, compliance-auditor, risk-analyst)
  • Real-time monitoring for fraud detection and regulatory compliance
  • End-to-end process automation for customer service excellence

Phase 1: Assessment​

Before implementing financial services H.P.006-WORKFLOWS, organizations should:

  1. Assess current processes - Review existing banking, investment, and compliance H.P.006-WORKFLOWS
  2. Identify automation opportunities - Determine which processes benefit most from automation
  3. Map regulatory requirements - Understand compliance obligations and controls
  4. Evaluate agent dependencies - Identify required specialist H.P.001-AGENTS for each workflow

Phase 2: Implementation​

Execute financial H.P.006-WORKFLOWS systematically:

  1. Configure H.P.001-AGENTS - Set up banking-specialist, compliance-auditor, and risk-analyst H.P.001-AGENTS
  2. Establish integrations - Connect core banking, trading, and compliance systems
  3. Deploy H.P.006-WORKFLOWS - Implement H.P.006-WORKFLOWS by category with proper testing
  4. Train staff - Ensure financial team understands automated H.P.006-WORKFLOWS and escalation paths

Phase 3: Optimization​

Continuously improve financial operations:

  1. Monitor performance - Track workflow metrics, SLAs, and compliance rates
  2. Gather feedback - Collect input from staff, customers, and regulators
  3. Refine processes - Optimize H.P.006-WORKFLOWS based on performance data and audit findings
  4. Scale adoption - Expand successful H.P.006-WORKFLOWS across business units

Inputs​

InputSourceDescription
Customer dataCRM/Core bankingAccount information, KYC documentation, transaction history
Market dataTrading platformsReal-time prices, rates, indices, analytics
Regulatory requirementsRegulatorsAML rules, capital requirements, reporting obligations
Transaction dataPayment systemsWire transfers, ACH, card transactions
Risk parametersRisk systemsCredit scores, exposure limits, VaR models

Outputs​

OutputDestinationDescription
Compliance reportsRegulatorsSAR filings, capital adequacy, audit responses
Customer statementsCustomersAccount statements, confirmations, disclosures
Risk dashboardsManagementVaR reports, exposure summaries, limit monitoring
Transaction recordsAudit systemsComplete audit trails, reconciliation reports
Analytics reportsLeadershipKPIs, performance metrics, trend analysis

Success Criteria​

MetricTargetMeasurement Method
Regulatory compliance100%Audit outcomes, exam findings
Transaction accuracy> 99.99%Reconciliation exception rates
Fraud detection rate> 95%Fraud analytics reporting
Customer satisfaction> 90%NPS and survey results
SLA compliance> 99%Workflow monitoring systems
Audit findingsZero criticalInternal/external audit reports

Table of Contents​

1. Banking Operations​

1.1. account-opening​

  • Description: New customer account opening with KYC verification and product selection
  • Trigger: Customer application submission
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: banking-specialist, compliance-auditor, kyc-analyst
  • Steps:
    1. Collect application - banking-specialist - Gather customer information
    2. Verify identity - kyc-analyst - Perform KYC checks
    3. Screen watchlists - compliance-auditor - Check sanctions and PEP lists
    4. Select products - banking-specialist - Recommend appropriate accounts
    5. Configure account - banking-specialist - Set up account parameters
    6. Issue credentials - security-specialist - Create online banking access
    7. Welcome customer - notification-specialist - Send welcome materials
  • Tags: [account, banking, kyc, onboarding]

1.2. loan-origination​

  • Description: End-to-end loan application processing from application to funding
  • Trigger: Loan application submission
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: loan-officer, credit-analyst, underwriter
  • Steps:
    1. Receive application - loan-officer - Capture loan request
    2. Pull credit report - credit-analyst - Obtain credit bureau data
    3. Verify income - loan-officer - Confirm employment and income
    4. Assess collateral - loan-officer - Evaluate security value
    5. Underwrite loan - underwriter - Make credit decision
    6. Generate documents - loan-officer - Prepare loan package
    7. Close loan - loan-officer - Execute loan agreement
    8. Fund loan - banking-specialist - Disburse funds
  • Tags: [loan, origination, credit, underwriting]

1.3. mortgage-processing​

  • Description: Mortgage application processing with appraisal and closing coordination
  • Trigger: Mortgage application
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: mortgage-processor, underwriter, closing-coordinator
  • Steps:
    1. Initial review - mortgage-processor - Verify application completeness
    2. Order appraisal - mortgage-processor - Request property valuation
    3. Verify employment - mortgage-processor - Confirm income
    4. Title search - mortgage-processor - Order title report
    5. Underwrite loan - underwriter - Credit decision
    6. Issue commitment - mortgage-processor - Send approval letter
    7. Prepare closing - closing-coordinator - Schedule closing
    8. Fund mortgage - banking-specialist - Disburse loan proceeds
  • Tags: [mortgage, real-estate, loan, closing]

1.4. wire-transfer-approval​

  • Description: Wire transfer authorization with fraud detection and compliance checks
  • Trigger: Wire transfer request
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: treasury-analyst, compliance-auditor, fraud-analyst
  • Steps:
    1. Receive request - treasury-analyst - Capture wire details
    2. Verify authority - treasury-analyst - Confirm authorized signers
    3. Screen beneficiary - compliance-auditor - Check sanctions lists
    4. Fraud analysis - fraud-analyst - Assess transaction risk
    5. Approve wire - treasury-analyst - Authorize transfer
    6. Execute wire - treasury-analyst - Send via SWIFT/Fedwire
    7. Confirm delivery - treasury-analyst - Verify receipt
  • Tags: [wire, transfer, treasury, payments]

1.5. fraud-detection-response​

  • Description: Real-time fraud detection alert investigation and response
  • Trigger: Fraud alert triggered
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: fraud-analyst, security-specialist, compliance-auditor
  • Steps:
    1. Receive alert - fraud-analyst - Capture fraud indicator
    2. Assess severity - fraud-analyst - Evaluate risk level
    3. Freeze account - security-specialist - Block suspicious activity
    4. Contact customer - fraud-analyst - Verify transactions
    5. Investigate pattern - fraud-analyst - Analyze transaction history
    6. Determine action - fraud-analyst - Decide outcome
    7. File SAR if needed - compliance-auditor - Submit suspicious activity report
    8. Update controls - security-specialist - Enhance detection rules
  • Tags: [fraud, detection, security, aml]

1.6. account-reconciliation​

  • Description: Daily account reconciliation and exception resolution
  • Trigger: Daily schedule
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: operations-analyst, accounting-specialist
  • Steps:
    1. Extract transactions - operations-analyst - Pull daily activity
    2. Match entries - operations-analyst - Compare systems
    3. Identify exceptions - operations-analyst - Flag unmatched items
    4. Research breaks - accounting-specialist - Investigate discrepancies
    5. Make adjustments - accounting-specialist - Post corrections
    6. Document resolution - operations-analyst - Record fixes
    7. Generate report - operations-analyst - Create reconciliation summary
  • Tags: [reconciliation, accounting, operations, banking]

1.7. credit-decision​

  • Description: Automated credit decisioning with manual review escalation
  • Trigger: Credit application
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: credit-analyst, underwriter, risk-analyst
  • Steps:
    1. Receive application - credit-analyst - Capture request
    2. Pull credit data - credit-analyst - Obtain bureau reports
    3. Score application - credit-analyst - Apply credit model
    4. Apply policy rules - risk-analyst - Check lending criteria
    5. Route for decision - credit-analyst - Auto-approve or escalate
    6. Manual review - underwriter - Review escalated cases
    7. Communicate decision - notification-specialist - Send approval/denial
  • Tags: [credit, decisioning, underwriting, risk]

1.8. overdraft-management​

  • Description: Overdraft monitoring and customer communication workflow
  • Trigger: Negative balance detected
  • Complexity: simple
  • Duration: 5-15m
  • Dependencies:
    • Agents: banking-specialist, collections-specialist
  • Steps:
    1. Detect overdraft - banking-specialist - Identify negative balance
    2. Assess coverage - banking-specialist - Check overdraft protection
    3. Apply fees - banking-specialist - Post overdraft charges
    4. Notify customer - notification-specialist - Send overdraft notice
    5. Monitor balance - banking-specialist - Track for resolution
    6. Follow up - collections-specialist - Contact if unresolved
  • Tags: [overdraft, collections, banking, fees]

1.9. account-closure​

  • Description: Account closure processing with balance disposition
  • Trigger: Customer closure request
  • Complexity: simple
  • Duration: 5-15m
  • Dependencies:
    • Agents: banking-specialist, compliance-auditor
  • Steps:
    1. Verify identity - banking-specialist - Confirm customer
    2. Check obligations - banking-specialist - Review outstanding items
    3. Resolve balances - banking-specialist - Transfer or disburse funds
    4. Close products - banking-specialist - Terminate account
    5. Issue confirmation - notification-specialist - Send closure letter
    6. Archive records - compliance-auditor - Retain per requirements
  • Tags: [closure, account, banking, offboarding]

1.10. branch-cash-management​

  • Description: Branch cash inventory management and vault reconciliation
  • Trigger: Daily schedule or threshold
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: branch-manager, treasury-analyst
  • Steps:
    1. Count cash drawers - branch-manager - Verify teller cash
    2. Reconcile vault - branch-manager - Count vault inventory
    3. Order currency - treasury-analyst - Request cash shipment
    4. Process shipments - branch-manager - Receive cash delivery
    5. Balance records - branch-manager - Update cash position
    6. Report variance - branch-manager - Document discrepancies
    7. Submit reports - treasury-analyst - File with operations
  • Tags: [cash, management, branch, treasury]

2. Investment Management​

2.1. portfolio-rebalancing​

  • Description: Portfolio rebalancing to maintain target asset allocation
  • Trigger: Drift threshold or schedule
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: portfolio-manager, trading-analyst, compliance-auditor
  • Steps:
    1. Calculate drift - portfolio-manager - Compare current to target allocation
    2. Identify trades - portfolio-manager - Determine rebalancing trades
    3. Check constraints - compliance-auditor - Verify trading restrictions
    4. Generate orders - trading-analyst - Create trade tickets
    5. Execute trades - trading-analyst - Place orders in market
    6. Confirm execution - trading-analyst - Verify fills
    7. Update records - portfolio-manager - Record new positions
    8. Report to client - notification-specialist - Send rebalancing summary
  • Tags: [rebalancing, portfolio, trading, investment]

2.2. trade-execution​

  • Description: Securities trade execution with best execution monitoring
  • Trigger: Trade order received
  • Complexity: moderate
  • Duration: 5-15m
  • Dependencies:
    • Agents: trading-analyst, compliance-auditor
  • Steps:
    1. Receive order - trading-analyst - Capture trade details
    2. Validate order - trading-analyst - Check account and security
    3. Check restrictions - compliance-auditor - Verify no trading blocks
    4. Route to venue - trading-analyst - Select execution venue
    5. Execute trade - trading-analyst - Place order
    6. Confirm fill - trading-analyst - Verify execution
    7. Book trade - trading-analyst - Record in system
  • Tags: [trading, execution, securities, investment]

2.3. investment-research​

  • Description: Investment research report generation and distribution
  • Trigger: Coverage initiation or event
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: research-analyst, compliance-auditor
  • Steps:
    1. Conduct analysis - research-analyst - Analyze company/security
    2. Build financial model - research-analyst - Create projections
    3. Determine rating - research-analyst - Set buy/hold/sell
    4. Draft report - research-analyst - Write research note
    5. Compliance review - compliance-auditor - Check disclosures
    6. Publish report - research-analyst - Distribute to clients
    7. Update database - research-analyst - Record recommendation
  • Tags: [research, analysis, investment, securities]

2.4. client-onboarding-investment​

  • Description: Investment client onboarding with suitability assessment
  • Trigger: New client application
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: relationship-manager, compliance-auditor, kyc-analyst
  • Steps:
    1. Collect information - relationship-manager - Gather client details
    2. KYC verification - kyc-analyst - Verify identity
    3. AML screening - compliance-auditor - Check watchlists
    4. Suitability assessment - relationship-manager - Evaluate risk profile
    5. Document IPS - relationship-manager - Create investment policy
    6. Open accounts - relationship-manager - Set up brokerage accounts
    7. Fund accounts - relationship-manager - Process initial deposit
    8. Welcome package - notification-specialist - Send onboarding materials
  • Tags: [onboarding, investment, suitability, kyc]

2.5. performance-reporting-investment​

  • Description: Investment performance reporting and attribution analysis
  • Trigger: Month-end or quarter-end
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: performance-analyst, portfolio-manager
  • Steps:
    1. Calculate returns - performance-analyst - Compute time-weighted returns
    2. Attribution analysis - performance-analyst - Decompose performance
    3. Compare benchmarks - performance-analyst - Measure vs indices
    4. Generate reports - performance-analyst - Create client reports
    5. Review accuracy - portfolio-manager - Validate calculations
    6. Distribute reports - notification-specialist - Send to clients
    7. Archive reports - performance-analyst - Store for records
  • Tags: [performance, reporting, attribution, investment]

2.6. risk-assessment-investment​

  • Description: Portfolio risk assessment and monitoring
  • Trigger: Daily schedule or position change
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: risk-analyst, portfolio-manager
  • Steps:
    1. Calculate VaR - risk-analyst - Compute value at risk
    2. Stress testing - risk-analyst - Run scenario analysis
    3. Concentration analysis - risk-analyst - Check position limits
    4. Liquidity assessment - risk-analyst - Evaluate liquidity risk
    5. Generate reports - risk-analyst - Create risk dashboard
    6. Alert on breaches - notification-specialist - Flag limit violations
    7. Review with PM - portfolio-manager - Discuss risk profile
  • Tags: [risk, assessment, var, investment]

2.7. compliance-monitoring-investment​

  • Description: Investment compliance monitoring and testing
  • Trigger: Daily schedule
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: compliance-auditor, trading-analyst
  • Steps:
    1. Check restrictions - compliance-auditor - Verify trading compliance
    2. Monitor limits - compliance-auditor - Check position limits
    3. Review trades - compliance-auditor - Audit trade execution
    4. Identify violations - compliance-auditor - Flag compliance issues
    5. Investigate breaches - compliance-auditor - Research violations
    6. Report findings - compliance-auditor - Document issues
    7. Remediate - compliance-auditor - Correct violations
  • Tags: [compliance, monitoring, investment, trading]

2.8. dividend-processing​

  • Description: Dividend and income processing and allocation
  • Trigger: Corporate action announcement
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: operations-analyst, accounting-specialist
  • Steps:
    1. Receive announcement - operations-analyst - Capture dividend details
    2. Identify holders - operations-analyst - Determine record date positions
    3. Calculate entitlement - operations-analyst - Compute dividend amounts
    4. Process withholding - accounting-specialist - Apply tax withholding
    5. Post to accounts - accounting-specialist - Credit client accounts
    6. Send notifications - notification-specialist - Inform clients
    7. Reconcile payments - accounting-specialist - Match to custody
  • Tags: [dividend, income, corporate-action, investment]

2.9. proxy-voting​

  • Description: Proxy voting processing and documentation
  • Trigger: Proxy announcement
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: proxy-analyst, compliance-auditor
  • Steps:
    1. Receive proxy - proxy-analyst - Capture meeting details
    2. Research issues - proxy-analyst - Analyze proposals
    3. Apply policy - proxy-analyst - Determine votes per guidelines
    4. Review decisions - compliance-auditor - Validate vote choices
    5. Submit votes - proxy-analyst - Cast votes electronically
    6. Document rationale - proxy-analyst - Record voting basis
    7. Report voting - proxy-analyst - Generate vote disclosure
  • Tags: [proxy, voting, corporate-governance, investment]

2.10. fund-allocation​

  • Description: Fund allocation and redemption processing
  • Trigger: Investor subscription/redemption
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: fund-administrator, accounting-specialist
  • Steps:
    1. Receive request - fund-administrator - Capture allocation request
    2. Validate eligibility - fund-administrator - Check investor status
    3. Calculate NAV - accounting-specialist - Compute share price
    4. Process allocation - fund-administrator - Issue/redeem shares
    5. Transfer funds - fund-administrator - Move cash
    6. Update records - accounting-specialist - Record transaction
    7. Confirm to investor - notification-specialist - Send confirmation
  • Tags: [fund, allocation, redemption, nav]

3. Insurance​

3.1. policy-underwriting​

  • Description: Insurance policy underwriting and risk assessment
  • Trigger: Insurance application
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: underwriter, actuarial-analyst, risk-analyst
  • Steps:
    1. Receive application - underwriter - Capture policy request
    2. Gather information - underwriter - Collect risk details
    3. Order inspections - underwriter - Request physical inspections
    4. Pull reports - underwriter - Obtain MVR, CLUE, credit
    5. Assess risk - actuarial-analyst - Calculate risk score
    6. Price policy - actuarial-analyst - Determine premium
    7. Make decision - underwriter - Accept, modify, or decline
    8. Issue policy - underwriter - Generate policy documents
  • Tags: [underwriting, insurance, risk, policy]

3.2. claims-processing​

  • Description: Insurance claims intake, adjustment, and settlement
  • Trigger: Claim submission
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: claims-adjuster, fraud-analyst, claims-examiner
  • Steps:
    1. Receive claim - claims-adjuster - Capture loss details
    2. Verify coverage - claims-examiner - Check policy coverage
    3. Assign adjuster - claims-adjuster - Route to appropriate handler
    4. Investigate claim - claims-adjuster - Gather documentation
    5. Detect fraud - fraud-analyst - Screen for indicators
    6. Evaluate damage - claims-adjuster - Assess loss amount
    7. Determine settlement - claims-examiner - Calculate payment
    8. Issue payment - claims-adjuster - Disburse settlement
  • Tags: [claims, insurance, adjustment, settlement]

3.3. policy-renewal​

  • Description: Insurance policy renewal processing and repricing
  • Trigger: Renewal date approaching
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: underwriter, actuarial-analyst
  • Steps:
    1. Identify renewals - underwriter - Query expiring policies
    2. Review experience - underwriter - Analyze claims history
    3. Reassess risk - actuarial-analyst - Update risk evaluation
    4. Calculate premium - actuarial-analyst - Price renewal
    5. Generate offer - underwriter - Create renewal terms
    6. Send to customer - notification-specialist - Deliver renewal notice
    7. Process response - underwriter - Handle acceptance/rejection
  • Tags: [renewal, insurance, policy, pricing]

3.4. risk-evaluation-insurance​

  • Description: Insurance risk evaluation and exposure assessment
  • Trigger: New risk or review schedule
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: risk-analyst, underwriter, actuarial-analyst
  • Steps:
    1. Collect risk data - risk-analyst - Gather exposure information
    2. Analyze hazards - risk-analyst - Identify risk factors
    3. Model scenarios - actuarial-analyst - Run loss projections
    4. Calculate exposure - actuarial-analyst - Determine potential losses
    5. Recommend controls - risk-analyst - Suggest risk mitigation
    6. Document assessment - risk-analyst - Create risk report
    7. Update pricing - actuarial-analyst - Adjust rates if needed
  • Tags: [risk, evaluation, insurance, exposure]

3.5. actuarial-analysis​

  • Description: Actuarial analysis for reserving and pricing
  • Trigger: Quarterly schedule
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: actuarial-analyst, accounting-specialist
  • Steps:
    1. Extract loss data - actuarial-analyst - Pull claims history
    2. Develop triangles - actuarial-analyst - Create loss development
    3. Select methods - actuarial-analyst - Choose projection techniques
    4. Calculate reserves - actuarial-analyst - Estimate ultimate losses
    5. Analyze adequacy - actuarial-analyst - Compare to held reserves
    6. Document opinion - actuarial-analyst - Write actuarial report
    7. Book reserves - accounting-specialist - Post reserve changes
  • Tags: [actuarial, reserves, insurance, analysis]

3.6. agent-commission​

  • Description: Insurance agent commission calculation and payment
  • Trigger: Policy sale or renewal
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: commission-analyst, accounting-specialist
  • Steps:
    1. Identify transactions - commission-analyst - Query eligible policies
    2. Calculate commissions - commission-analyst - Apply commission rates
    3. Verify accuracy - commission-analyst - Check calculations
    4. Approve payments - commission-analyst - Route for approval
    5. Process payments - accounting-specialist - Issue commission checks
    6. Update records - commission-analyst - Record payments
    7. Send statements - notification-specialist - Distribute statements
  • Tags: [commission, agent, insurance, payment]

3.7. policy-cancellation​

  • Description: Insurance policy cancellation processing
  • Trigger: Cancellation request or non-payment
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: policy-administrator, accounting-specialist
  • Steps:
    1. Receive request - policy-administrator - Capture cancellation
    2. Verify reason - policy-administrator - Confirm cancellation type
    3. Calculate refund - accounting-specialist - Compute return premium
    4. Send notice - notification-specialist - Issue cancellation notice
    5. Process cancellation - policy-administrator - Terminate coverage
    6. Issue refund - accounting-specialist - Send return premium
    7. Update records - policy-administrator - Record cancellation
  • Tags: [cancellation, insurance, policy, refund]

3.8. catastrophe-response​

  • Description: Catastrophe event response and claims surge handling
  • Trigger: CAT event declared
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: cat-coordinator, claims-adjuster, operations-analyst
  • Steps:
    1. Activate CAT team - cat-coordinator - Mobilize response team
    2. Assess exposure - cat-coordinator - Estimate impacted policies
    3. Deploy adjusters - claims-adjuster - Send field resources
    4. Establish command - cat-coordinator - Set up CAT center
    5. Process claims - claims-adjuster - Handle surge volume
    6. Track progress - operations-analyst - Monitor response metrics
    7. Communicate status - notification-specialist - Update stakeholders
    8. Close event - cat-coordinator - Finalize response
  • Tags: [catastrophe, claims, disaster, insurance]

3.9. reinsurance-placement​

  • Description: Reinsurance program placement and management
  • Trigger: Annual renewal or new program
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: reinsurance-analyst, underwriter, actuarial-analyst
  • Steps:
    1. Analyze needs - reinsurance-analyst - Assess retention needs
    2. Prepare submission - reinsurance-analyst - Create marketing package
    3. Market to reinsurers - reinsurance-analyst - Distribute to markets
    4. Negotiate terms - reinsurance-analyst - Discuss pricing and terms
    5. Bind coverage - reinsurance-analyst - Place reinsurance
    6. Document contracts - reinsurance-analyst - Finalize treaties
    7. Monitor performance - reinsurance-analyst - Track cessions
  • Tags: [reinsurance, placement, treaty, insurance]

3.10. customer-retention-insurance​

  • Description: Insurance customer retention and win-back programs
  • Trigger: Lapse risk identified
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: retention-specialist, marketing-analyst
  • Steps:
    1. Identify at-risk - retention-specialist - Flag lapse indicators
    2. Segment customers - marketing-analyst - Group by risk level
    3. Design offers - marketing-analyst - Create retention incentives
    4. Contact customers - retention-specialist - Reach out proactively
    5. Present options - retention-specialist - Offer alternatives
    6. Process changes - retention-specialist - Update policies
    7. Track outcomes - marketing-analyst - Measure retention rate
  • Tags: [retention, insurance, customer, lapse]

4. Compliance & Risk​

4.1. kyc-verification​

  • Description: Know Your Customer verification and due diligence
  • Trigger: New customer or periodic review
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: kyc-analyst, compliance-auditor
  • Steps:
    1. Collect information - kyc-analyst - Gather customer data
    2. Verify identity - kyc-analyst - Check identity documents
    3. Screen watchlists - kyc-analyst - Query sanctions lists
    4. Assess risk level - kyc-analyst - Determine customer risk
    5. Apply EDD if needed - kyc-analyst - Perform enhanced due diligence
    6. Document findings - compliance-auditor - Record verification
    7. Approve or escalate - kyc-analyst - Make decision
  • Tags: [kyc, verification, compliance, aml]

4.2. aml-monitoring​

  • Description: Anti-money laundering transaction monitoring and investigation
  • Trigger: Alert generated
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: aml-analyst, compliance-auditor, fraud-analyst
  • Steps:
    1. Receive alert - aml-analyst - Capture monitoring alert
    2. Review transactions - aml-analyst - Analyze flagged activity
    3. Research customer - aml-analyst - Investigate customer profile
    4. Assess risk - aml-analyst - Evaluate suspicious indicators
    5. Document analysis - aml-analyst - Record investigation
    6. Determine action - compliance-auditor - Decide outcome
    7. File SAR if needed - compliance-auditor - Submit to FinCEN
    8. Close case - aml-analyst - Finalize investigation
  • Tags: [aml, monitoring, sar, compliance]

4.3. regulatory-reporting-finance​

  • Description: Regulatory report preparation and filing
  • Trigger: Reporting deadline
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: regulatory-analyst, compliance-auditor
  • Steps:
    1. Identify requirements - regulatory-analyst - Determine reporting needs
    2. Extract data - regulatory-analyst - Pull required information
    3. Validate accuracy - regulatory-analyst - Check data quality
    4. Prepare report - regulatory-analyst - Format submission
    5. Review report - compliance-auditor - Final validation
    6. Submit filing - regulatory-analyst - File with regulator
    7. Confirm receipt - regulatory-analyst - Verify submission
    8. Archive records - compliance-auditor - Retain documentation
  • Tags: [regulatory, reporting, compliance, filing]

4.4. audit-preparation-finance​

  • Description: Regulatory or internal audit preparation
  • Trigger: Audit notification
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: compliance-auditor, operations-analyst
  • Steps:
    1. Receive notification - compliance-auditor - Log audit request
    2. Assign coordinator - compliance-auditor - Designate lead
    3. Gather documentation - operations-analyst - Compile records
    4. Prepare responses - compliance-auditor - Draft explanations
    5. Conduct walkthrough - compliance-auditor - Preview audit areas
    6. Support audit - compliance-auditor - Assist auditors
    7. Address findings - compliance-auditor - Respond to issues
    8. Track remediation - compliance-auditor - Monitor corrections
  • Tags: [audit, preparation, compliance, examination]

4.5. risk-model-validation​

  • Description: Risk model validation and back-testing
  • Trigger: Model implementation or annual review
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: model-validator, risk-analyst, quantitative-analyst
  • Steps:
    1. Review documentation - model-validator - Assess model design
    2. Test inputs - model-validator - Verify data quality
    3. Validate methodology - quantitative-analyst - Check calculations
    4. Back-test results - model-validator - Compare predictions to actuals
    5. Sensitivity analysis - risk-analyst - Test assumptions
    6. Document findings - model-validator - Create validation report
    7. Track issues - model-validator - Monitor remediation
  • Tags: [model, validation, risk, compliance]

4.6. stress-testing​

  • Description: Financial stress testing and scenario analysis
  • Trigger: Quarterly schedule or ad-hoc
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: risk-analyst, quantitative-analyst
  • Steps:
    1. Define scenarios - risk-analyst - Create stress scenarios
    2. Gather data - risk-analyst - Collect position data
    3. Run models - quantitative-analyst - Execute stress models
    4. Analyze results - risk-analyst - Interpret output
    5. Assess capital impact - risk-analyst - Calculate capital needs
    6. Report findings - risk-analyst - Present to management
    7. Document assumptions - risk-analyst - Record methodology
  • Tags: [stress-testing, scenario, risk, capital]

4.7. capital-adequacy​

  • Description: Capital adequacy calculation and reporting
  • Trigger: Month-end or regulatory deadline
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: capital-analyst, regulatory-analyst
  • Steps:
    1. Calculate RWA - capital-analyst - Compute risk-weighted assets
    2. Determine capital - capital-analyst - Measure regulatory capital
    3. Calculate ratios - capital-analyst - Compute capital ratios
    4. Compare to requirements - capital-analyst - Check against minimums
    5. Identify buffers - capital-analyst - Assess capital cushion
    6. Prepare reports - regulatory-analyst - Format for submission
    7. Submit to regulator - regulatory-analyst - File reports
  • Tags: [capital, adequacy, regulatory, basel]

4.8. vendor-due-diligence​

  • Description: Third-party vendor risk assessment and due diligence
  • Trigger: New vendor or annual review
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: vendor-analyst, compliance-auditor
  • Steps:
    1. Collect information - vendor-analyst - Gather vendor details
    2. Assess risk - vendor-analyst - Evaluate vendor risk level
    3. Review financials - vendor-analyst - Check financial health
    4. Check compliance - compliance-auditor - Verify certifications
    5. Review security - security-specialist - Assess cybersecurity
    6. Document findings - vendor-analyst - Record assessment
    7. Approve or escalate - compliance-auditor - Make decision
  • Tags: [vendor, due-diligence, third-party, risk]

4.9. data-privacy-compliance​

  • Description: Data privacy compliance monitoring and GDPR/CCPA adherence
  • Trigger: Request or periodic review
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: privacy-officer, compliance-auditor
  • Steps:
    1. Identify data - privacy-officer - Map personal data
    2. Review consents - privacy-officer - Check consent records
    3. Process requests - privacy-officer - Handle data subject requests
    4. Verify compliance - compliance-auditor - Check against regulations
    5. Document actions - privacy-officer - Record processing
    6. Update policies - privacy-officer - Revise as needed
    7. Train staff - privacy-officer - Educate on requirements
  • Tags: [privacy, gdpr, ccpa, compliance]

4.10. sanctions-screening​

  • Description: Sanctions screening and OFAC compliance
  • Trigger: Transaction or customer onboarding
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: sanctions-analyst, compliance-auditor
  • Steps:
    1. Submit screening - sanctions-analyst - Query watchlists
    2. Review hits - sanctions-analyst - Analyze potential matches
    3. Investigate matches - sanctions-analyst - Research matches
    4. Determine disposition - sanctions-analyst - True match or false positive
    5. Escalate if needed - compliance-auditor - Handle confirmed matches
    6. Block if required - sanctions-analyst - Freeze transactions
    7. Document review - sanctions-analyst - Record findings
  • Tags: [sanctions, ofac, screening, compliance]

5. Customer Service​

5.1. customer-complaint-resolution​

  • Description: Customer complaint handling and resolution tracking
  • Trigger: Complaint received
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: customer-service-specialist, compliance-auditor
  • Steps:
    1. Log complaint - customer-service-specialist - Capture details
    2. Categorize issue - customer-service-specialist - Classify complaint
    3. Investigate - customer-service-specialist - Research root cause
    4. Determine resolution - customer-service-specialist - Identify solution
    5. Communicate response - customer-service-specialist - Contact customer
    6. Implement fix - customer-service-specialist - Apply remedy
    7. Document outcome - compliance-auditor - Record resolution
    8. Analyze trends - compliance-auditor - Identify patterns
  • Tags: [complaint, resolution, customer-service, compliance]

5.2. account-inquiry​

  • Description: Customer account inquiry handling and information provision
  • Trigger: Customer contact
  • Complexity: simple
  • Duration: 5-15m
  • Dependencies:
    • Agents: customer-service-specialist
  • Steps:
    1. Verify identity - customer-service-specialist - Authenticate customer
    2. Understand request - customer-service-specialist - Capture inquiry
    3. Research information - customer-service-specialist - Look up details
    4. Provide response - customer-service-specialist - Answer question
    5. Document interaction - customer-service-specialist - Log call notes
    6. Follow up if needed - customer-service-specialist - Schedule callback
  • Tags: [inquiry, account, customer-service, support]

5.3. statement-generation​

  • Description: Customer statement generation and delivery
  • Trigger: Statement cycle end
  • Complexity: simple
  • Duration: 5-15m
  • Dependencies:
    • Agents: operations-analyst, notification-specialist
  • Steps:
    1. Generate statements - operations-analyst - Create statement files
    2. Validate accuracy - operations-analyst - Check statement content
    3. Route delivery - notification-specialist - Determine delivery method
    4. Send statements - notification-specialist - Distribute to customers
    5. Track delivery - notification-specialist - Confirm receipt
    6. Archive copies - operations-analyst - Store for records
  • Tags: [statement, delivery, customer-service, reporting]

5.4. fee-dispute​

  • Description: Customer fee dispute investigation and resolution
  • Trigger: Fee dispute request
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: customer-service-specialist, operations-analyst
  • Steps:
    1. Receive dispute - customer-service-specialist - Log fee complaint
    2. Review history - operations-analyst - Research fee charges
    3. Analyze validity - customer-service-specialist - Assess dispute merit
    4. Determine action - customer-service-specialist - Decide on refund
    5. Process adjustment - operations-analyst - Apply fee reversal
    6. Notify customer - notification-specialist - Communicate decision
    7. Document resolution - customer-service-specialist - Record outcome
  • Tags: [fee, dispute, customer-service, refund]

5.5. product-recommendation​

  • Description: Customer product recommendation based on needs analysis
  • Trigger: Customer inquiry or profile trigger
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: relationship-manager, product-specialist
  • Steps:
    1. Analyze profile - relationship-manager - Review customer data
    2. Identify needs - relationship-manager - Understand requirements
    3. Match products - product-specialist - Find suitable offerings
    4. Present options - relationship-manager - Explain product benefits
    5. Answer questions - relationship-manager - Address concerns
    6. Process application - relationship-manager - Submit if interested
    7. Follow up - relationship-manager - Check on decision
  • Tags: [recommendation, product, sales, customer-service]

5.6. cross-sell-campaign​

  • Description: Cross-sell campaign execution and tracking
  • Trigger: Campaign launch
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: marketing-analyst, relationship-manager
  • Steps:
    1. Define targets - marketing-analyst - Select customer segments
    2. Create offers - marketing-analyst - Design campaign offers
    3. Execute outreach - relationship-manager - Contact customers
    4. Track responses - marketing-analyst - Monitor campaign
    5. Process applications - relationship-manager - Handle interested customers
    6. Measure results - marketing-analyst - Calculate conversion
    7. Report outcomes - marketing-analyst - Summarize campaign performance
  • Tags: [cross-sell, campaign, marketing, sales]

5.7. customer-retention-banking​

  • Description: Customer retention program execution
  • Trigger: Attrition risk identified
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: retention-specialist, relationship-manager
  • Steps:
    1. Identify at-risk - retention-specialist - Flag attrition signals
    2. Analyze relationship - retention-specialist - Review customer value
    3. Design offer - retention-specialist - Create retention incentive
    4. Contact customer - relationship-manager - Reach out proactively
    5. Present options - relationship-manager - Discuss retention offers
    6. Implement changes - retention-specialist - Apply agreed terms
    7. Monitor outcome - retention-specialist - Track retention success
  • Tags: [retention, customer, attrition, relationship]

5.8. loyalty-program-finance​

  • Description: Financial loyalty program management and rewards processing
  • Trigger: Points activity or redemption
  • Complexity: moderate
  • Duration: 15-30m
  • Dependencies:
    • Agents: loyalty-analyst, operations-analyst
  • Steps:
    1. Track activity - loyalty-analyst - Monitor qualifying transactions
    2. Calculate points - loyalty-analyst - Apply earning rules
    3. Update balances - loyalty-analyst - Credit point accounts
    4. Process redemptions - loyalty-analyst - Handle reward requests
    5. Fulfill rewards - operations-analyst - Deliver redemption
    6. Report program - loyalty-analyst - Summarize performance
    7. Adjust rules - loyalty-analyst - Optimize program
  • Tags: [loyalty, rewards, program, customer]

5.9. digital-banking-support​

  • Description: Digital banking support and troubleshooting
  • Trigger: Customer contact
  • Complexity: simple
  • Duration: 5-15m
  • Dependencies:
    • Agents: digital-support-specialist, tech-support
  • Steps:
    1. Identify issue - digital-support-specialist - Understand problem
    2. Authenticate user - digital-support-specialist - Verify customer
    3. Troubleshoot - tech-support - Diagnose technical issue
    4. Guide resolution - digital-support-specialist - Walk through fix
    5. Escalate if needed - tech-support - Route complex issues
    6. Document case - digital-support-specialist - Log interaction
    7. Follow up - digital-support-specialist - Confirm resolution
  • Tags: [digital, support, banking, technical]

5.10. relationship-review​

  • Description: Periodic customer relationship review and planning
  • Trigger: Annual schedule or relationship tier
  • Complexity: complex
  • Duration: 30m+
  • Dependencies:
    • Agents: relationship-manager, wealth-advisor
  • Steps:
    1. Prepare review - relationship-manager - Compile customer data
    2. Analyze relationship - wealth-advisor - Assess needs and goals
    3. Identify opportunities - relationship-manager - Find growth areas
    4. Schedule meeting - relationship-manager - Book review session
    5. Conduct review - relationship-manager - Meet with customer
    6. Develop plan - wealth-advisor - Create action items
    7. Document outcomes - relationship-manager - Record meeting notes
    8. Track execution - relationship-manager - Monitor follow-through
  • Tags: [relationship, review, planning, wealth]

Summary​

CategoryWorkflowsDescription
Banking Operations10Account management, loans, treasury
Investment Management10Portfolio, trading, research
Insurance10Underwriting, claims, policies
Compliance & Risk10KYC, AML, regulatory reporting
Customer Service10Support, retention, complaints
Total50Complete financial services coverage