The Unattended Back Office™

Wealth Management Operations,
Reasoned End to End.

A wealth management industry solution evolved from tier 1 bank operations and re-engineered by generative AI — Claude™ (Anthropic™) for reasoning, Databricks™ Unity Catalog for governance, AWS™ Bedrock underneath.

What Lands on Your Desk

Operations
45 min → 20 sec
Exception triage per item, with the reason it was raised and the recommended action already attached.
Settlement & Custody
24 – 72 hrs
DK, RVP and DVP fails flagged before value date, not after — while there is still time to act.
Corporate Actions
27.4h → 15.1s
Ten events from entitlement calculation to election, withholding and proration included.
Accounting
100%
Of applicable events posted on a standard, date-driven path. Manual change only on Accounting Responsibility Officer review.
Risk & Audit
Every decision
Input data, retrieved context, reasoning chain and confidence score logged immutably. Regulator-ready by design.

Reasoned against 15+ years and 200+ GB of real wealth management transaction history — $102 billion of actual valuations, 2001–2017, every trade, settlement event, corporate action and custody movement. Not a training dataset: a live knowledge base Claude™ reasons against on every prompt, which is what makes the confidence scores mean something.

The Commercial Case

What It Does to the Operating Model.

Straight-through processing rises from 60–70% at Horizon 1 to a 95%+ target at Horizon 3. Everything below follows from that one curve.

01

Global Wealth Management, 24/7, Across Multiple Markets

Client service that does not stop at the end of a time zone. Settlement, corporate actions and custody processing continue across markets and sessions, so a London close is not a wait state for a client in Singapore.

02

Single-Source Compliance Processing

One governed data layer, one audit trail. Compliance evidence is produced as a by-product of processing rather than assembled after the fact from several systems that disagree with each other.

03

Higher Throughput Without Proportionate Expense

Volume scales against compute, not against headcount. The marginal cost of the next ten thousand transactions is infrastructure, and infrastructure is a line you can forecast.

04

Staffing Decoupled From Volume

Operations headcount is set by the exception rate, not the transaction count. As straight-through processing rises toward the Horizon 3 target, the team required falls against the size of the book rather than growing with it.

05

Back-Office SLA Within a Predictable Budget

Capacity is provisioned, not recruited. A volume spike becomes a compute decision taken in minutes rather than a hiring round taken over months, so the SLA holds without the cost line moving unpredictably.

Altus Wealth

Four Functions.
One Governed Data Layer.

All four run on the same Claude™ reasoning chain over the same governed data, so a settlement break and the corporate action that caused it are reasoned about together rather than chased across separate systems.

International Settlement

Claude™ predicts DK, RVP and DVP fails 24–72 hours ahead of settlement date, factoring local market cut-offs, currency corridors, custodian SLAs and counterparty history.

  • Settlement pipeline across T+1 and T+2 markets
  • Pre-settlement action recommendations with reasoning
  • Cross-border coverage through local CSDs

US & International Corporate Actions

Entitlement calculation for mandatory and voluntary events — dividends, splits, mergers, tender offers, rights issues — with elections generated and positions reconciled.

  • Withholding tax by residency and treaty rate
  • Proration modelling on capped elections
  • Holders reconciliation across DTC and internal sources

Multi-Currency Nostro & Depot

Firm house and client accounts across USD, EUR, GBP, JPY, HKD and beyond. Movement reconciliation, FX exposure aggregation, break identification and Claude™-driven resolution.

  • Nostro and depot movement reconciliation
  • Stock loan, borrow and recall position netting
  • Break management workflow with audit trail

Control Accounts & General Ledger

The accounting spine: control accounts for cash, securities, positions, P&L, receivables and payables, with GL postings from every settlement event and a Claude™-computed narrative.

  • Chart of Control Accounts for international trading
  • Drill-through from posting to source event
  • Integrated SWIFT 15022 and ISO 20022 messaging
The Core Benefits

Why AI-Native Beats AI-Bolt-On.

Legacy systems added AI as a widget on top of decades-old rules engines. NTRRPA/AI was built around Claude™'s reasoning and Databricks™ governance from the first line of code.

01

Reasoning, Not Just Detection

Claude™ explains why a settlement is at risk, why an entitlement changed, why a break formed — in plain language, with confidence scores.

02

Governance, Not Black Boxes

Databricks™ Unity Catalog enforces lineage, permissions and audit at every layer. Every AI decision traces back to the exact data that produced it.

03

Speed, Not Just Automation

Corporate action processing that takes 27 hours today runs in seconds. Exception triage that took 45 minutes now takes 20 seconds.

04

Audit-Ready by Design

Every AI decision is logged with its input data, retrieved context, reasoning chain and confidence score. Regulators see the full chain from raw data to final action.

05

Progressive Autonomy

Start at 60–70% straight-through processing with human-in-the-loop; scale to 95%+ as confidence is proven against live outcomes. No big-bang go-live risk.

06

Domain Intelligence Embedded

SWIFT 15022 and ISO 20022 flows, corporate action entitlements, multi-currency settlement, custody and depot movements — the platform ships knowing your business.

About N-Tier Americas

Twenty-Five Years Inside Tier 1 Operations.

N-Tier Americas has built and run global securities infrastructure for Tier 1 financial institutions for twenty-five years. We operate as a Global Broker-Dealer and Custodian platform, in environments where settlement failures and corporate action mismatches carry substantial regulatory and financial risk.

That is where the domain knowledge inside our generative AI came from — not from a product roadmap, but from decades on the front line, and from the consequences of getting it wrong at scale. Trading as NTRRPA/AI, we now build AI-native platforms on that foundation.

One Approach. Two Industries.

The back office wins no mandates and attracts limited allocation — until the records are called for. Then the fines land, clients notice, and the cost of fixing what was deferred keeps climbing. Generative AI has changed that arithmetic: the Unattended Back Office™ stabilises the expense line and lifts SLA capability in months, not multi-year programmes.

Wealth Management

Altus Wealth

International settlement, US and international corporate actions, multi-currency nostro and depot, and the control accounts and general ledger that reconcile with all three. Reasoned against 15+ years of real transaction history.

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Petroleum Trading & Movement

PETROMOVE

Hormuz and Red Sea cargo risk, force-majeure and distressed cargo triage, SWIFT settlement across MT103 to MT999, and the trading blotter beneath them. The same reasoning engine, a different book.

Visit petromove.com ↗