Onboarding: Claude skills backed by calculation code
Customer Identification Program field checks, application gaps by account type (CIP, beneficial ownership, FINRA 4512, 2090, 2111 and 2165), and onboarding milestone tracking. Records the result of an OFAC screen performed elsewhere; does not itself screen sanctions lists, verify identity documents, aggregate accounts or manage e-signatures.
What wealth-onboarding calculates
2 commands, each available in the CLI, as an MCP tool and as a JavaScript import. Every result carries the method it used, the questions it still needs answered and the next steps worth taking.
| Command | What it returns | What it needs |
|---|---|---|
onboarding validate-cip | Customer Identification Program field checks, recording an OFAC result screened elsewhere. | applicant, ofacStatus |
onboarding gaps | What an account application is missing: blocking items, items needed before recommendations, and recommended items. | application |
When to use it
Requests this pack answers:
- “can we open this account”
- “is this application complete”
- “what do we still need to open this account”
- “is this application complete”
What it does not do
Named here because leaving it out is how an agent ends up asserting something the code never computed.
Guidance only, no engine behind it
- OFAC / SDN screening itself
- Documentary and non-documentary identity verification (Alloy, Socure, Trulioo)
- KYC document parsing
- Account aggregation (Plaid, Yodlee) and e-signature workflows (DocuSign)
Limits to state with every result
ofacStatusmust come from an actual sanctions screen. If it is missing, CIP fails withNOT_SCREENED; never fill it in to make the check pass.- The SSN check validates format only, not issuance or ownership.
- A passing result means the required fields are present and well-formed, not that the applicant's identity is verified.
Run it
node bin/wealth-skills.js onboarding validate-cip --applicant '{"name":"Jane Doe","ssn":"123-45-6789","dob":"1990-05-15","address":"456 Elm St","ofacStatus":"CLEAR"}'The same commands are exposed as MCP tools, so Claude, Claude Code, Codex, Cursor and any other MCP client can call them directly. See the integration guide and the pack itself, skills/wealth-onboarding/SKILL.md.
Catalog coverage
21 resources from the US Wealth Management Capability Catalog map to this pack, 10 of them backed by engine code and the rest cited as guidance or reference.
| Resource | What the pack does with it | Coverage |
|---|---|---|
| LEI Common Data File formats | Legal-entity identity data schemas LEI format and ISO 7064 check validation. | engine |
| FINRA 4512 Customer Account Information | Account records and trusted-contact provisions Customer account records and the trusted contact under FINRA 4512. | engine |
| Anthropic KYC Screener | Onboarding gap identification Onboarding gap identification across CIP, CDD and FINRA account records. | engine |
| FINRA 2090 Know Your Customer | Essential customer information Flags missing essential-facts and investment-profile items. | partial-engine |
| FINRA 2165 Financial Exploitation | Specified-adult financial-exploitation protections Flags the trusted contact for specified adults; no hold workflow. | partial-engine |
| FINRA 3310 AML Compliance Program | Broker-dealer AML program requirements CIP and beneficial ownership records; no AML monitoring. | partial-engine |
| Alloy | Identity decisioning and onboarding checks CIP field checks and gap identification; no identity decisioning. | partial-engine |
| Socure | Identity verification and fraud detection CIP field checks; no document or fraud verification. | partial-engine |
| Trulioo | Identity and business verification Individual and entity record checks; no verification. | partial-engine |
| ComplyAdvantage | AML screening and financial-crime intelligence Records an OFAC result from a real screen; performs no screening. | partial-engine |
| Plaid Investments | Investment holdings and transaction aggregation Account aggregation is not implemented. | guidance |
| Envestnet Yodlee | Financial-account aggregation Account aggregation is not implemented. | guidance |
| MX Platform API | Account aggregation and financial data Account aggregation is not implemented. | guidance |
| Mastercard Open Finance US | Permissioned financial-data connectivity Account aggregation is not implemented. | guidance |
| SnapTrade | Brokerage-account connectivity Account aggregation is not implemented. | guidance |
| Docusign eSignature API | Account and servicing document signatures E-signature is not implemented; onboarding gaps lists what still needs collecting. | guidance |
| Morningstar ByAllAccounts | Investment-account data aggregation Account aggregation is not implemented. | guidance |
| Financial Data Exchange API | Permissioned financial-data exchange standard Financial-data exchange standard; account aggregation is not implemented. | standard-reference |
| Open Financial Exchange | Consumer and business financial-data exchange Financial-data exchange standard; account aggregation is not implemented. | standard-reference |
| Entity Legal Forms / ISO 20275 | Legal-form classification Legal-form codes; not implemented. | standard-reference |
| Unstructured | Document ingestion component for financial corpora Document ingestion for KYC documents, which are not parsed here. | integration-reference |
Questions it answers
Can we open this account?
Customer Identification Program field checks, recording an OFAC result screened elsewhere. Run onboarding validate-cip in the CLI, or call the same tool over MCP. It needs applicant and ofacStatus. These are the CIP elements. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
What do we still need to open this account?
What an account application is missing: blocking items, items needed before recommendations, and recommended items. Run onboarding gaps in the CLI, or call the same tool over MCP. It needs application. Required records differ for individual, joint, IRA, trust and entity accounts. The result carries the method it used, the data it used, anything still missing and the next steps worth taking, for a licensed professional to review.
The other skill packs
- Compliance: Automated screen of advisory communications for promissory language and missing standard disclosures, FINRA 2111 suitability and Marketing Rule performance checks, investment adviser registration lookups in SEC IAPD compilation files, and guidance for supervisory review.
- CRM: Meeting transcript parsing into decisions and action items, and CRM task payload construction, plus guidance for meeting preparation.
- Execution: Pre-trade validation (buying power, oversell, short-term gain), order payload construction for Alpaca, Interactive Brokers and FIX 4.4, ISIN/CUSIP/FIGI/LEI check digits and T+1 settlement dates, for human-approved execution.
- Fund operations: Fund administration and wealth operations checks - position reconciliation against the custodian, NAV tie-out with level 3 and stale-price flags, LP capital statement roll-forwards, and month-end close tracking - plus guidance for accounting and regulatory reporting that the engines do not perform..
- Planning: US retirement and tax planning calculations - tax year 2026 bracket headroom for sizing Roth conversions, required minimum distributions, retirement Monte Carlo with inflation-adjusted withdrawals, capital-loss netting and carryover, and net investment income tax - plus guidance for broader household planning that the engines do not model..
- Portfolio: Portfolio drift monitoring and rebalancing, parametric VaR and expected shortfall, tax-loss harvesting screens with a wash-sale look-back, cost basis by lot, time- and money-weighted returns, Sharpe ratio reliability, and small-universe historical and forward simulations - plus guidance for accounting, attribution and risk-model workflows that the engines do not implement..
- Research: Valuation ratios from supplied fundamentals, DCF valuation with sensitivity, keyword risk-factor summaries of filing text, XBRL fact extraction, and live FRED and SEC EDGAR fetches, plus guidance for earnings and market research that the engines do not perform..
- UHNW: Concentrated-stock collar construction with constructive-sale review, and private equity multiple tracking (TVPI, DPI, RVPI), plus guidance for trust, philanthropic and exchange-fund planning that the engines do not model..