Relationship manager
- The relationships that need attention, with the reason
- A drafted note to start from, never sent without you
OutcomeTime goes to the right conversation.
Use case 04 / 04 · Relationship DriftNot sure which fits? Find your firm type
Relationships rarely end loudly. They drift.
Replies slow down, a review is moved twice, another firm's name appears in a thread. Each on its own is noise. Luscent reads the communications the firm already has, shows the pattern in the Health Score with the messages behind it, and puts the next right conversation on the relationship manager's list.
- Trigger
- A pattern across 90 days of client communications
- Shows
- The Health Score trend and the messages behind each Signal
- Returns
- A Task with a drafted next step
- Decides
- The relationship manager; nothing reaches the client without them
§ 01 · The story
From noise to the next conversation.
- 01 · Today
Nothing looks wrong on any single day.
A reply takes a week. A review moves twice. A forwarded thread names another firm. Each is noise on its own, and together they are a relationship going quiet.
- 02 · The moment
The pattern, with its evidence.
The Signals are linked into one pattern, and the Health Score moves, with the messages behind the change beside it.
- 03 · With Luscent
The next right conversation.
A Task with a drafted note reaches the relationship manager, who decides what to say and when. The follow-up is on the record.
One finding, one decision at a time.
Health Score · last 13 weeks
75Neutral · from 76
Signals · this client
Reading 90 days of email, calendar and CRM activity. No open Signals yet.
Klein Family Office, Luxembourg. Anne Keller's client for six years. Nothing looks wrong on any single day.
Reading
Demo environmentSynthetic data. Klein Family Office and everyone named here are fictional.
Step 1 of 6: Ninety days, read quietly
§ 02 · Who gets what
One workflow, four people who stop chasing it.
Compliance officer
- Contact and follow-up recorded as they happen
- Every Signal traceable to its source message
OutcomeClient care that can be shown.
Head of advisory
- The book's Health Score trend in one view
- Cover for a colleague's clients with the history attached
OutcomeFewer relationships go quiet unnoticed.
Management
- Fee income retained where a cooling relationship is caught early
- A signal to act on, not an exit interview
OutcomeRetention acted on early, not explained late.
§ 03 · The business case
Fee income kept where a relationship was cooling.
Relationship Drift works on retention: relationships noticed early enough to act on. This is the part of the homepage estimate it addresses.
- 01Cooling relationships surfaced with their evidence
- 02The next step on the relationship manager's list
- 03The follow-up recorded, not remembered
- PilotMeasured on your own book in the pilot, against success metrics agreed in writing before anything is connected.
Your firm
Fee income retained
900.000 EUR a year
20 % of at-risk relationships kept
- Relationships at risk a year
- 12
- Fee income per client
- 375.000 EUR
The working
12 relationship managers × 10 clients × 10 % annual attrition × 375.000 EUR fee income (75 bps on 50 m) × 20 % of at-risk relationships kept. The same model and assumptions as the estimate on the homepage. Modelled from time-and-motion assumptions, not measured client results.
§ 04 · Boundaries
What it always does, and what it never does.
Always
- Links every Signal to the messages behind it.
- Groups related Signals into one pattern instead of three notifications.
- Shows the Health Score trend, not only today's number.
- Puts the next step on the relationship manager's list as a Task.
Never
- Contacts the client. No client-facing message leaves without the relationship manager's approval.
- Predicts that a client will leave. It shows what changed and where to look; the relationship manager judges what it means.
- Reads beyond what the firm connects: Microsoft 365 and Salesforce, read-only.
§ 05 · The rule
Our reading of MiFID II (Directive 2014/65/EU), Article 24(1)
“... an investment firm act honestly, fairly and professionally in accordance with the best interests of its clients ...”
The duty does not pause when a client goes quiet. A relationship that has drifted is where advice goes stale and service slips unnoticed; seeing it early is how the firm keeps acting in the client's interest instead of finding out at the transfer request.
Our reading, not legal advice. The rules engine applies the firm's own configuration of these rules, and the relationship manager decides.
§ 06 · Questions
Questions
What does the Health Score measure?
The state of a client relationship on a 0 to 100 scale, read from the communications and activity the firm connects: 80 to 100 healthy, 60 to 79 neutral, 40 to 59 at risk, below 40 critical. The trend matters as much as the number, so Luscent shows both, with the Signals that moved it.
Does a falling score mean the client is leaving?
No. It means the relationship has changed in ways worth a conversation: slower replies, a meeting moved, a new name in a thread. Luscent shows the messages behind the change; the relationship manager decides what it means and what to do. The score describes the client relationship, not the person managing it.
§ 07 · The same Loop
Three more triggers, one way of working.
Use case 01 · Suitability GateEvery 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 runThe 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
- Writes back
- Nothing
- 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