Relationship manager
- New money in the book, with the sentence it came from
- Products that fit what the client said, never sent without you
OutcomeThe money is planned with you.
[00] Use case 05 / 05 · Liquidity EventSynthetic data throughout
New money is announced in passing. Plan it before it lands.
A sale, an inheritance or a payout often appears in the middle of an email. Luscent reads the communications the firm already has, raises the liquidity event as a Signal with its source, matches products to what the client said, and puts the review on the relationship manager's list, with the suitability check before anything is proposed.
The case, in four factsLiquidity Event
- TriggerA liquidity event in client communications: a sale, an inheritance, a payout
- ShowsThe amount and timing as written, and the suitability file it affects
- ReturnsA review Task with matched products, held until the check passes
- DecidesThe relationship manager; nothing reaches the client without them
One finding, one decision at a time.
Connect · Microsoft 365
- From
- Charlotte Klein
- Received
- Today, 09:12
- Subject
- Good news, and a question
The sale of the operating company is now closed and the proceeds, roughly 9.200.000 EUR, will land next month. Michael asks again for a liquidity figure before the Q4 committee.
Material change · email 09:12DR 2017/565 · 54(7)
Awaiting the relationship manager
Step 1 of 6: The email, read where it sits
[01] The storyToday · the moment · with Luscent
From a sentence to a planned conversation.
When a client mentions new money, Luscent raises it as a Signal with its source, matches products to what they said and holds them until suitability is checked.
- 01 · Today
The news arrives in the second paragraph.
A business sale, an inheritance, a payout, mentioned in passing in an email. It is planned at the next review, if someone rereads the thread, and by then the client may have planned it with someone else.
- 02 · The moment
New money, checked before it is placed.
The sentence becomes a Signal with the amount and the timing. Products are matched to what the client said, and none goes forward until the suitability check passes.
- 03 · With Luscent
The next right conversation, with the money in it.
A review Task reaches the relationship manager with a short brief and a drafted note. They decide what to propose and when. The check and the conversation are on the record.
[02] Who gets whatFour seats
One workflow,four people who stop chasing it.
Compliance officer
- Every proposal checked against the suitability file before it goes out
- The Signal, the check and the approval on one record
OutcomeGrowth that can be shown to be suitable.
Head of advisory
- New money arriving across the whole book, in one view
- Reviews opened before the annual cycle
OutcomeAssets planned for, not discovered.
Management
- New money planned in-house while the client is still deciding
- Growth that stays inside the suitability rules
OutcomeGrowth without new risk.
[03] The business caseNo figure by design
New money planned with you, not elsewhere.
Liquidity Event works on growth: new money noticed early enough to plan it with the client. Luscent does not put a figure on it, because its value depends on the client, the mandate and the products your firm offers.
- 01Liquidity events surfaced with the sentence they came from
- 02Products matched to stated needs, held until the suitability check passes
- 03The review and the proposal recorded, not remembered
- PilotMeasured on your own book in the pilot, against success metrics agreed in writing before anything is connected.
No estimate for this case
What new money is worth depends on the client, the mandate and the products your firm offers. Luscent shows what was said and what fits; it does not model a figure it cannot measure. The pilot measures it on your own book.
[04] BoundariesAnd how AI is used here
What it always does,and what it never does.
Always
- Links every liquidity Signal to the sentence it came from.
- Checks suitability before any product goes forward.
- Matches products to the needs the client stated.
- Puts the review on the relationship manager's list as a Task.
Never
- Contacts the client. No client-facing message leaves without the relationship manager's approval.
- Puts a value on the new money. It shows what was said and what fits; the relationship manager judges the rest.
- Reads beyond what the firm connects: Microsoft 365 and Salesforce.
How AI is used · Reads
A language model reads the connected messages into Signals, each shown with a confidence and linked to its source.
How AI is used · Decides
The relationship manager decides what to propose, and deterministic rules decide whether it is suitable. Nothing reaches the client without approval.
How AI is used · On the record
Every Signal, the suitability check that ran and the Task it created, with the message behind it.
The EU AI Act's Article 50 transparency obligations applied on 2 August 2026. Luscent's documented position is available on request. Where AI reads, and who decides
[05] The ruleOur reading, not legal advice
Our reading of MiFID II (Directive 2014/65/EU), Article 25(2)
“... that person's financial situation including his ability to bear losses, and his investment objectives including his risk tolerance ...”
New money changes the financial situation the advice rests on. Noticing it in the client's own words is how the firm keeps its recommendations suitable, and how the next proposal starts from what the client actually said.
Our reading, not legal advice. The rules engine applies the firm's own configuration of these rules, and the relationship manager decides.
[06] QuestionsAsked before signature
Questions.
Does Luscent tell us what to sell?
No. It matches products to the needs the client stated and checks them against the suitability rules. The relationship manager decides what to propose, and nothing reaches the client without their approval.
Why is there no estimate on this page?
Because what new money is worth depends on the client, the mandate and the products your firm offers. Luscent shows what was said and what fits; it does not model a figure it cannot measure. The pilot measures it on your own book.
[07] The same LoopRecord · Understand · Explain · Decide · Prove
Four more triggers,one way of working.
Use case 01 · Suitability Gate
Every trade checked before the advice leaves.
Before a relationship manager sends a rebalance, Luscent checks each trade against the mandate and the strictest jurisdiction, and names the smallest fix.
See it run →Use case 02 · Comms to ComplianceAn email changes the client. The advice waits.
When a client email says their circumstances changed, Luscent reads the change, holds the advice that relied on the old picture, and opens a reassessment.
See it run →Use case 03 · Cross-BorderTwo rulebooks. One household. One defensible answer.
A household booked in Luxembourg and São Paulo sits under MiFID II and CVM at once. Luscent evaluates one action under both and shows a path to proceed.
See it run →Use case 04 · Relationship DriftRelationships rarely end loudly. They drift.
When a client relationship slips, Luscent shows it in the Health Score, links the messages behind it and lists the next conversation for the relationship manager.
See it run →The pilotCohort open
Find out before you move a single client record.
Ninety days, at no cost, with three to five relationship managers, starting on invented clients. Success metrics are agreed in writing before anything is connected, so at the end there is a decision rather than an impression.
The terms
- Length
- 90 days
- Cost
- Nothing
- Seats
- 3 to 5 relationship managers
- Data
- Synthetic first
- Client data
- Stays in the EU
- Migration
- None
- DAY 0Metrics agreed, in writing
- ConnectWeek 1 to 4
- WEEK 4The book, ranked
- First Signal acted onWeek 5 to 8
- WEEK 8A decision on the record
- ReviewWeek 9 to 13
- DAY 90Written review