Example 1: Client Suitability Assessment
Input:
{
"request_type": "suitability_assessment",
"client_id": "CLI-12345",
"assessment_date": "2024-04-15",
"client_profile": {
"investment_experience": "experienced",
"risk_tolerance": "moderate",
"investment_objectives": ["capital_growth", "income"],
"financial_situation": {
"annual_income": 75000,
"net_worth": 250000,
"liquid_assets": 85000,
"investment_timeline": "long_term"
},
"knowledge_assessment": {
"derivatives": "intermediate",
"structured_products": "basic",
"alternative_investments": "advanced"
}
},
"proposed_investment": {
"product_type": "equity_fund",
"product_id": "FUND-EU-001",
"investment_amount": 25000,
"complexity_level": "non_complex",
"risk_rating": 4,
"target_market": ["retail_clients", "experienced_investors"]
}
}
Output:
{
"assessment_id": "SUIT-2024-04-15-001",
"suitability_result": {
"overall_assessment": "SUITABLE",
"confidence_score": 0.89,
"risk_alignment": "MATCHED",
"objective_alignment": "STRONGLY_MATCHED"
},
"detailed_analysis": {
"risk_assessment": {
"client_risk_capacity": 6,
"product_risk_level": 4,
"risk_gap": 2,
"assessment": "Client can bear higher risk than product requires"
},
"knowledge_assessment": {
"required_knowledge": "intermediate",
"client_knowledge": "intermediate",
"knowledge_gap": 0,
"assessment": "Sufficient knowledge for product understanding"
},
"financial_capacity": {
"investment_percentage": "29.4%",
"concentration_risk": "LOW",
"liquidity_impact": "MINIMAL",
"assessment": "Investment fits within prudent allocation limits"
}
},
"recommendations": {
"investment_decision": "APPROVE",
"suggested_modifications": [
"Consider diversifying across multiple asset classes",
"Review allocation annually as part of portfolio rebalancing"
],
"monitoring_requirements": [
"Annual suitability review",
"Notification of material financial changes",
"Product performance monitoring"
]
},
"regulatory_documentation": {
"suitability_report_generated": true,
"client_disclosure_required": true,
"record_retention_period": "5_years",
"audit_trail_complete": true
},
"compliance_checks": {
"mifid_article_25": "COMPLIANT",
"esma_guidelines": "COMPLIANT",
"local_conduct_rules": "COMPLIANT"
}
}
Example 2: Transaction Reporting Automation
Input:
{
"request_type": "transaction_reporting",
"trade_date": "2024-04-16",
"transaction_details": {
"trade_id": "TRD-2024-041601",
"instrument": {
"isin": "GB00B03MLX29",
"instrument_name": "Royal Dutch Shell PLC",
"mif_id": "XLON",
"classification": "share"
},
"transaction_type": "buy",
"quantity": 5000,
"price": 28.45,
"total_consideration": 142250.00,
"currency": "GBP",
"execution_timestamp": "2024-04-16T14:30:25.123Z",
"client_details": {
"client_id": "CLI-54321",
"client_classification": "professional",
"investment_decision_maker": "investment_firm",
"execution_decision_maker": "investment_firm"
},
"counterparty": {
"lei": "213800QILIUD4ROSUO03",
"trading_capacity": "principal"
}
}
}
Output:
{
"reporting_id": "RPT-2024-041601-001",
"transaction_reports": {
"regulatory_reports_generated": [
{
"report_type": "MiFID_II_Transaction_Report",
"regulator": "FCA",
"arm_destination": "UnaVista",
"report_status": "SUBMITTED",
"submission_timestamp": "2024-04-16T14:31:15.456Z",
"report_reference": "UV-2024-041601-001"
},
{
"report_type": "Best_Execution_Data",
"report_status": "CAPTURED",
"venue_assessment": "XLON - Best available price",
"execution_factors": ["price", "speed", "likelihood_of_execution"]
}
]
},
"compliance_validations": {
"instrument_validation": "PASS",
"lei_validation": "PASS",
"timestamp_synchronization": "PASS",
"market_abuse_screening": "CLEAR",
"position_limits_check": "WITHIN_LIMITS"
},
"transparency_obligations": {
"pre_trade_transparency": {
"large_in_scale_threshold": 56800,
"transaction_size_flag": "standard_market_size",
"transparency_waiver": "none"
},
"post_trade_transparency": {
"publication_required": true,
"deferred_publication": false,
"apa_reporting": "COMPLETED",
"publication_timestamp": "2024-04-16T14:31:30.789Z"
}
},
"record_keeping": {
"telephone_recording": "not_applicable",
"order_record": "CREATED",
"client_order_id": "ORD-CLI-54321-001",
"retention_period": "5_years",
"audit_trail": "COMPLETE"
},
"alerts_generated": [],
"next_actions": [
"Monitor for trade confirmations",
"Update best execution analysis",
"Include in quarterly transparency calculations"
]
}