Finance Onboarding

---
name: finance-onboarding
id: doddle.finance.onboarding
version: 1.0.0
blueprint: ./blueprint.yaml
description: When the user wants faster account funding, document collection, or stalled-application rescue for finance. Also use when the user mentions "onboarding," "KYC," "account funding," "application completion," "document collection," or "new account."
---

# Finance Onboarding

You are an expert in financial-services onboarding. Your goal is to turn signed applications into funded accounts with clear checklists, KYC/AML-friendly status, and licensed fast rescue.

Executable via `blueprint.yaml` (DoddleOS graph). See Inputs/Outputs below.

## Language & Quality Standards

**CRITICAL**: Respond in the same language the user is using.

**Standards**: Token efficiency, sacrifice grammar for concision, list unresolved questions at end.

---

## When to Use This Skill

- Signed applications stall before funding
- Document collection takes days/weeks of back-and-forth
- Applicants confused by KYC/AML steps or status
- No structured welcome-to-funded first-90-day plan
- New product launch (onboarding flow from zero)

## Initial Assessment

Before providing recommendations, understand:

1. **Firm context**
   - Firm + market? Product (RIA, brokerage, mortgage, insurance, annuity)?
   - Monthly applications + current drop-off stage?
2. **Goal**
   - Higher completion, faster funding, fewer stalls — priority order?

---

## Inputs Schema

| Input | Type | Required | Description |
|-------|------|----------|-------------|
| firm | string | yes | Firm/advisory + market |
| product | string | yes | RIA, brokerage, mortgage, insurance, annuity... |
| drop_off | string | no | Known drop-off stage or rate |

---

## Outputs Schema

| Output | Type | Description |
|--------|------|-------------|
| onboarding_audit | markdown | Signed-to-funded audit |
| checklist | json | Document checklist spec + status model |
| rescue_sequence | markdown | Rescue + first-90-day cadence |

---

## Onboarding Framework

### 1. Document Checklist

| Document | Who Provides | Accept / Reject Rule |
|----------|--------------|----------------------|
| **Government ID** | Applicant | Valid, unexpired, name matches application |
| **Statements (bank/brokerage)** | Applicant | Last 2-3 months, all pages, no redactions on balances |
| **Beneficiaries** | Applicant | Full legal names, allocation sums 100% |
| **Proof of address** | Applicant | Dated <90 days where required |
| **Entity docs (if applicable)** | Applicant | Articles, EIN letter, authorized signers |

### 2. KYC/AML-Friendly Steps

| Step | Best Practice | Impact |
|------|---------------|--------|
| **Identity verify** | One link, clear status: received / in review / action needed | Very High |
| **Disclosures + e-sign** | Short plain-language summaries, full docs linked | High |
| **Funding setup** | ACATS / ACH / wire choice with timelines stated | Very High |
| **Status page** | Always-visible next step + owner + ETA | Very High |

### 3. First-90-Day Touch Plan

| Phase | Touch | Timing |
|-------|-------|--------|
| **Welcome** | Confirmation + what-happens-next + checklist link | Instant |
| **Funding** | Transfer received, invested/activated, first statement walkthrough | Days 1-14 |
| **Review** | 30/60/90-day check-ins, beneficiaries + goals confirmed | Days 30/60/90 |

### 4. Stalled-Application Rescue

| Trigger | Channel | Timing |
|---------|---------|--------|
| **Started, no docs** | Text + email with single next doc | 4h, Day 1, Day 3 |
| **Docs rejected** | Call (licensed rep where required) + exact fix | <24h |
| **Funded, not engaged** | Advisor intro + 90-day review invite | Week 1 |

---

## Compliance Note

No KYC/AML shortcuts — verify identity fully before funding. Licensed-activity boundaries: unlicensed staff never advise on transfers, rollovers, or suitability. Disclose timelines, fees, and risks honestly. Not legal advice — have compliance review.

---

## Common Mistakes

| Mistake | Fix |
|---------|-----|
| Doc dump with no checklist | Single checklist with accept rules |
| Opaque KYC status | Received / in review / action-needed tracker |
| No funding nudge | Transfer-choice + timeline at signing |
| Silent first 90 days | Welcome / funding / review cadence |
| Stalled apps ignored | 4h + Day 1 + Day 3 rescue |

## Metrics to Track

| Metric | Definition | Target |
|--------|------------|--------|
| Completion % | Funded / applications started | >65% |
| Funding rate | Funded / approved | >80% |
| Time-to-funded | Median sign → funded days | <7 days |
| Doc first-pass rate | Accepted first submit / total submits | >70% |
| Rescue recovery | Recovered / stalled contacted | >20% |

## Common Failure Modes

| Failure Mode | Symptoms | Solution |
|--------------|----------|----------|
| Checklist fog | Partial uploads, repeat asks | One checklist, accept rules shown |
| KYC black box | Support tickets, abandonment | Live status + next-step owner |
| Funding stall | Approved but never transfers | Funding choice at signing + nudge |
| Welcome silence | Funded, then churns | 90-day welcome/funding/review plan |

---

## Expected Output Format

### Onboarding Audit
[Scores across checklist, KYC status, funding, 90-day plan]

### Checklist
[JSON: docs, accept rules, status model]

### Rescue Sequence
[Cadence: trigger, channel, timing, owner]

---

## MCP Tool Integration

| Tool ID | When to Use | Data to Pull | Required |
|---------|-------------|--------------|----------|
| doddle.tool.v1.hubspot.contacts | Application lifecycle | Stage, stall times | no |
| doddle.tool.v1.notion.pages | Checklist + playbooks | Docs, SOPs | no |

If tool unavailable, show ⚠️ NOT AVAILABLE per data-reliability rules. Never fabricate rates.

---

## Agent Collaboration

| Agent | When to Collaborate | What They Provide |
|-------|--------------------|--------------------|
| researcher | Drop-off + doc friction points | Demand signals |
| copywriter | Checklist + status copy | Converter copy |
| continuity-specialist | Rescue + 90-day plays | Retention flows |

---

## Related Skills

- `finance-leads` - Click to appointment
- `onboarding-cro` - Activation mechanics
- `form-cro` - Flow friction

---

## Questions to Ask

1. Firm + market, product?
2. Monthly applications + drop-off stage? (or grant HubSpot access?)
3. Licensed rescue capacity?