Account Opening Blueprint

Investment account opening workflow with product selection, risk profiling, terms acceptance, funding instructions, and compliance review

Feature	account-opening
Category	Workflow
Version	1.0.0
Tags	account-opening, investment, product-selection, risk-profiling, wealth-management, financial-services, kyc
YAML Source	View on GitHub
JSON API	account-opening.json

Actors

ID	Name	Type	Description
client	Client	human	Individual opening an investment account
advisor	Financial Advisor	human	Advisor guiding client through account opening
compliance_officer	Compliance Officer	human	Reviews and approves account applications
admin	Administrator	human	System administrator who can override or escalate
system	System	system	Automated checks and notifications

Fields

Name	Type	Required	Label	Description
application_id	text	Yes	Application Id	Validations: required
client_id	text	Yes	Client Id	Validations: required
account_type	select	Yes	Account Type
selected_products	json	Yes	Selected Investment Products
risk_profile	select	Yes	Risk Profile
risk_score	number	Yes	Risk Assessment Score	Validations: min, max
investment_objective	select	Yes	Investment Objective
investment_horizon	select	Yes	Investment Horizon
initial_investment_amount	number	Yes	Initial Investment Amount	Validations: required, min
currency	select	Yes	Currency
source_of_funds	select	Yes	Source of Funds
source_of_funds_detail	text	No	Source of Funds Details
terms_accepted	boolean	Yes	Terms and Conditions Accepted	Validations: required
terms_accepted_at	datetime	No	Terms Accepted At
mandate_document_id	text	No	Signed Mandate Document
funding_method	select	Yes	Funding Method
funding_reference	text	No	Funding Reference Number
status	select	Yes	Status
compliance_notes	rich_text	No	Compliance Review Notes
rejection_reason	text	No	Rejection Reason

States

State field: status

Values:

State	Initial	Terminal
draft	Yes
product_selection
risk_assessment
terms_review
funding
submitted
compliance_review
approved
account_created		Yes
rejected		Yes
cancelled		Yes

Transitions:

Name	From	To	Actor	Condition
	draft	product_selection	client,advisor
	product_selection	risk_assessment	client,advisor	selected_products is not null
	risk_assessment	terms_review	client,advisor	risk_score is not null
	terms_review	funding	client,advisor	terms_accepted == true
	funding	submitted	client,advisor	funding_method is not null
	submitted	compliance_review	system,compliance_officer
	compliance_review	approved	compliance_officer
	compliance_review	rejected	compliance_officer	rejection_reason is not null
	approved	account_created	system
	draft,product_selection,risk_assessment,terms_review,funding	cancelled	client,advisor,admin

Rules

• validation: Client must complete onboarding (KYC) before opening an account, At least one investment product must be selected, Risk profile must be assessed before product selection is confirmed, Products must be suitable for the client’s risk profile, Terms and conditions must be accepted before submission, Source of funds declaration is mandatory for compliance
• product_suitability: Conservative risk profile cannot select aggressive-growth products, Short-term horizon should warn on illiquid products, System validates product-risk alignment and warns on mismatches
• compliance: All applications require compliance review before account creation, Enhanced due diligence required for initial investments above threshold, Source of funds must be documented for anti-money laundering, Politically exposed persons require additional review
• permissions: Client can create and manage their own applications, Advisor can create applications on behalf of assigned clients, Compliance officer reviews and approves/rejects applications, Admin can override status and reassign applications

SLA

Scope	Max Duration	Escalation
name	compliance_review
description	Compliance must review applications within 2 business days
max_duration	48h
escalation

Outcomes

Start_application (Priority: 1)

Given:

• client_id (input) exists
• user.role (session) in Client,Advisor,Admin

Then:

• create_record target: applications
• transition_state field: status from: draft to: draft
• emit_event event: account.application_started

Result: New account application created in draft status

Cancel_application (Priority: 5)

Given:

• application_id (input) exists
• status (db) in draft,product_selection,risk_assessment,terms_review,funding
• user.role (session) in Client,Advisor,Admin

Then:

• transition_state field: status from: current to: cancelled
• emit_event event: account.cancelled

Result: Application cancelled

Get_application_status (Priority: 8)

Given:

• application_id (input) exists
• user.role (session) in Client,Advisor,Compliance,Admin

Then:

• emit_event event: account.status_viewed

Result: Return current application status with progress indicator

Get_available_products (Priority: 9)

Given:

• client_id (input) exists
• user.role (session) in Client,Advisor

Then:

• emit_event event: products.listed

Result: Return available investment products with descriptions, fees, and minimum investments

Select_products (Priority: 10) — Error: NO_PRODUCTS_SELECTED

Given:

• application_id (input) exists
• selected_products (input) exists
• status (db) in draft,product_selection
• user.role (session) in Client,Advisor

Then:

• set_field target: selected_products value: from_input
• transition_state field: status from: product_selection to: risk_assessment
• emit_event event: account.products_selected

Result: Products selected, moved to risk assessment

Product_suitability_warning (Priority: 15) — Error: PRODUCT_SUITABILITY_VIOLATION

Given:

• application_id (input) exists
• risk_profile (computed) exists
• product_risk_mismatch (computed) eq true

Then:

• emit_event event: account.suitability_warning

Result: Warning displayed about product-risk profile mismatch

Complete_risk_assessment (Priority: 20) — Error: RISK_ASSESSMENT_REQUIRED

Given:

• application_id (input) exists
• risk_score (input) exists
• risk_profile (computed) exists
• investment_objective (input) exists
• investment_horizon (input) exists
• status (db) eq risk_assessment

Then:

• set_field target: risk_score value: from_input
• set_field target: risk_profile value: from_computed
• transition_state field: status from: risk_assessment to: terms_review
• emit_event event: account.risk_assessed

Result: Risk assessment completed

Accept_terms (Priority: 30) — Error: TERMS_NOT_ACCEPTED

Given:

• application_id (input) exists
• terms_accepted (input) eq true
• status (db) eq terms_review

Then:

• set_field target: terms_accepted value: true
• set_field target: terms_accepted_at value: now
• transition_state field: status from: terms_review to: funding
• emit_event event: account.terms_accepted

Result: Terms accepted, moved to funding step

Provide_funding_details (Priority: 40)

Given:

• application_id (input) exists
• funding_method (input) exists
• initial_investment_amount (input) gt 0
• source_of_funds (input) exists
• status (db) eq funding

Then:

• set_field target: funding_method value: from_input
• set_field target: initial_investment_amount value: from_input
• transition_state field: status from: funding to: submitted
• emit_event event: account.submitted
• notify target: compliance_officer

Result: Application submitted for compliance review

Compliance_approve (Priority: 50)

Given:

• application_id (input) exists
• status (db) eq compliance_review
• user.role (session) in Compliance,Admin

Then:

• transition_state field: status from: compliance_review to: approved
• emit_event event: account.approved
• notify target: client

Result: Application approved, account creation initiated

Compliance_reject (Priority: 51)

Given:

• application_id (input) exists
• rejection_reason (input) exists
• status (db) eq compliance_review
• user.role (session) in Compliance,Admin

Then:

• set_field target: rejection_reason value: from_input
• transition_state field: status from: compliance_review to: rejected
• emit_event event: account.rejected
• notify target: client

Result: Application rejected with reason

Create_account (Priority: 60)

Given:

• application_id (input) exists
• status (db) eq approved

Then:

• call_service target: crm_create_account
• transition_state field: status from: approved to: account_created
• emit_event event: account.created
• notify target: client

Result: Investment account created in CRM and client notified

Errors

Code	Status	Message	Retry
APPLICATION_NOT_FOUND	404	Account application not found	No
ONBOARDING_INCOMPLETE	400	Client onboarding must be completed before opening an account	No
NO_PRODUCTS_SELECTED	400	At least one investment product must be selected	No
RISK_ASSESSMENT_REQUIRED	400	Risk assessment must be completed before proceeding	No
TERMS_NOT_ACCEPTED	400	Terms and conditions must be accepted	No
INVALID_STATUS_TRANSITION	400	This action is not allowed in the current application status	No
PRODUCT_SUITABILITY_VIOLATION	400	Selected products do not match the client risk profile	No
INSUFFICIENT_MINIMUM_INVESTMENT	400	Initial investment amount is below the minimum required	No
COMPLIANCE_REVIEW_REQUIRED	400	Application requires compliance review before account creation	No
CRM_ACCOUNT_CREATION_FAILED	500	Account creation in CRM failed. Please try again or contact support	Yes

Events

Event	Description	Payload
account.application_started	New account application created	application_id, client_id, timestamp
account.products_selected	Investment products selected	application_id, selected_products, timestamp
account.risk_assessed	Risk assessment completed	application_id, risk_profile, risk_score, timestamp
account.suitability_warning	Product-risk suitability mismatch detected	application_id, risk_profile, mismatched_products, timestamp
account.terms_accepted	Terms and conditions accepted	application_id, terms_accepted_at, timestamp
account.submitted	Application submitted for review	application_id, funding_method, amount, timestamp
account.approved	Application approved by compliance	application_id, approved_by, timestamp
account.rejected	Application rejected by compliance	application_id, rejection_reason, rejected_by, timestamp
account.created	Investment account created in CRM	application_id, account_number, client_id, timestamp
account.cancelled	Application cancelled	application_id, cancelled_by, timestamp
account.status_viewed	Application status viewed	application_id, viewed_by, timestamp
products.listed	Available products listed for client	client_id, timestamp

Related Blueprints

Feature	Relationship	Reason
client-onboarding	required	KYC onboarding must be completed before account can be opened
product-configurator	required	Products must exist in the catalog for selection during account opening
wizard-stepper	recommended	Multi-step account opening flow benefits from step-by-step wizard UI
document-management	recommended	Mandate documents and compliance paperwork need document storage
approval-chain	recommended	Compliance review follows an approval workflow pattern
email-notifications	recommended	Status change notifications sent via email
in-app-notifications	recommended	Real-time status updates shown in notification center
dataverse-client	required	Account creation and product data synced with CRM
audit-trail	recommended	All application changes must be tracked for regulatory compliance

AGI Readiness

Goals

Reliable Account Opening

Investment account opening workflow with product selection, risk profiling, terms acceptance, funding instructions, and compliance review

Success Metrics:

Metric	Target	Measurement
processing_time	< 5s	Time from request to completion
success_rate	>= 99%	Successful operations divided by total attempts

Constraints:

• performance (negotiable): Must not block dependent workflows

Autonomy

Level: semi_autonomous

Human Checkpoints:

• before transitioning to a terminal state

Escalation Triggers:

• error_rate > 5

Tradeoffs

Prefer	Over	Reason
reliability	speed	workflow steps must complete correctly before proceeding

Coordination

Protocol: orchestrated

Consumes:

Capability	From	Fallback
client_onboarding	client-onboarding	degrade
product_configurator	product-configurator	degrade
dataverse_client	dataverse-client	degrade

Safety

Action	Permission	Cooldown	Max Auto
start_application	autonomous	-	-
select_products	autonomous	-	-
complete_risk_assessment	autonomous	-	-
product_suitability_warning	autonomous	-	-
accept_terms	autonomous	-	-
provide_funding_details	autonomous	-	-
compliance_approve	supervised	-	-
compliance_reject	supervised	-	-
create_account	supervised	-	-
cancel_application	supervised	-	-
get_application_status	autonomous	-	-
get_available_products	autonomous	-	-

UI Hints

```yaml form_layout: wizard progress_tracking: true steps: - label: Account Type icon: user-check - label: Select Products icon: package - label: Risk Assessment icon: shield-check - label: Terms & Conditions icon: file-text - label: Funding icon: banknote - label: Review & Submit icon: check-circle ```