Onboarding time cut 65%. The compliance team noted a cleaner audit trail than their previous manual process.
Engagement map
From operating problem to measured outcome
5 weeks delivery · 4 tools in the implementation stack
Challenge
Meridian Financial was averaging 2–3 weeks to onboard a new client.
What we built
We built an agent-driven onboarding system: a digital portal sends each new client a personalized checklist with upload capabilities.
Result
Onboarding time dropped from 2–3 weeks to under a week for most clients.
Recorded outcomes
Delivery timeline: 5 weeks. Metrics are shown in the same context as the published engagement.
Meridian Financial was averaging 2–3 weeks to onboard a new client. The bottleneck wasn't the relationship or financial planning, it was document collection. ID verification, investment policy statement, account transfer forms, beneficiary designations. Documents came in piecemeal over email. Missing items were tracked in a spreadsheet. The advisor and two operations staff spent significant time each week on what was essentially document chase.
We built an agent-driven onboarding system: a digital portal sends each new client a personalized checklist with upload capabilities. When each document arrives, a validation agent checks completeness, correct pages, signatures present, not expired. Missing or invalid items trigger targeted follow-ups ('your government ID appears to be expired, please upload a current one,' not generic 'please send documents'). The advisor gets a daily digest. A compliance agent builds a timestamped audit trail automatically.
Onboarding time dropped from 2–3 weeks to under a week for most clients. A few complex cases (trust accounts, multi-account rollovers) took 10 days, but the median improved by 65%. Dana Osei (COO) noted that the automated audit trail is more thorough than what they were generating manually, individual document timestamps, validation results, and review signatures all captured automatically.
The implementation path shown here follows the actual engagement summary.
Implementation sequence
New client engagement signed
Onboarding agent generates personalized document checklist.
Client receives portal link with their
specific required documents listed by name.
Client uploads each document
Validation agent checks completeness and validity on upload.
Invalid or incomplete document
targeted follow-up sent within 2 hours with specific issue.
Complete document
logged with timestamp, review status set to pending.
All documents received
compliance agent runs final checklist and generates audit record.
Advisor review queue updated
Advisor approves and account provisioning begins.
Client welcome email with portal access
and next steps. Advisor gets a complete onboarding summary.
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