Two jobs. One living profile per person.

The ClientCouncil platform maintains a single, continuously updated profile for every person the institution is considering or already banks. That one profile does two jobs: it decides whether the relationship should be accepted, and it keeps watching the relationship after the account opens.

Job 01 — Acceptance: decide whether to onboard

A prospective high-net-worth or ultra-high-net-worth client wishes to place substantial assets. The Council assembles the full picture — corporate history, litigation, archived web presence, network exposure — and renders a dual-risk verdict with conditions attached.

Risk of accepting. Legal, regulatory and reputational exposure created by taking the relationship, including sanctions proximity, litigation posture and source-of-wealth opacity.
Risk of declining. Network value, referral gravity, and the franchise doors that close when a competitor holds the seat instead.
Conditions of acceptance. The structures, covenants and review cadence that would make an otherwise borderline relationship bankable.

Worked example: prospect P-2291, a digital-assets exit, scores 62 on risk of accepting and 73 on risk of declining, and is returned as a conditional accept rather than a yes or a no.

Job 02 — Surveillance: watch every client, continuously

Every existing client is monitored for events that misalign them with the institution: fraud, indictments, enforcement actions and sanctions exposure. The profile is re-scored the moment new facts emerge, and the desk is told what changed and why it matters.

Event detection across courts, regulators, sanctions lists and global media.
Delta re-scoring — what changed, by how much, with citations attached.
Escalation playbooks — retain, restructure, restrict, or exit.

Worked example: client N-4410 is named a relief defendant in a civil forfeiture action; the risk score moves from 48 to 74 within the surveillance cycle and the recommended posture becomes restrict inflows.

Dual-risk scoring: declining has a price too

Every verdict weighs two curves. The Council does not return a yes or a no; it returns a position — accept, decline, or accept under conditions — with every factor cited and every human override recorded. Typical factors on a single verdict include a settled regulatory action (raising the risk of accepting), referral gravity across founders and family offices (raising the risk of declining), and a verified liquidity event (lowering the risk of accepting).

The dossier: everything known, everything sourced, one screen

Each dossier collects identity, wealth provenance, corporate control, litigation, sanctions proximity and media coverage on a single screen. Every claim carries its citation, retrieval date and confidence score, so a reviewer can trace any number back to the record it came from.

Ask the Council: interrogate the dossier in plain language

Every dossier carries a Council analyst — an AI that has read the full evidentiary record and argues both sides. Ask why the score moved, what would change the verdict, or how the committee should frame conditions of acceptance.