Incedo Navigator brings governed Agentic AI to high-volume wealth operations. Specialized AI agents work with embedded wealth management context, versioned rules, compliance controls and human oversight to move work from intake to resolution with every consequential decision explainable.
Built for wealth operations
Broker-dealers
TAMPs
RIAs
Wealth platforms
Navigator Wealth Operations / Money Movement
Live work item
Not In Good Order
Request normalized
Client, account and transaction context assembled
Exception caught
Before downstream execution
Reasoning retained
Rules, evidence and disposition logged
1
Intake
Capture and normalize
2
Validate
Catch missing data
3
Decide
Apply rules and context
4
Review
Human where needed
5
Resolve
Write back and track
Agent explainability
Decision trail captured as part of execution
Human oversight where judgment matters
Exceptions arrive with the case context, evidence and recommended action
The wealth operations mandate
Growth exposes the hidden constraints in wealth operations. The rules are complex, exceptions are frequent, and the expertise needed to resolve them is often locked with a small number of experienced people.
01
Firm rules, custodian variants and exception handling often live with people, so consistency breaks when teams change or volumes spike.
02
More accounts and transactions create more operational work, making capacity growth dependent on adding people and handoffs.
03
Not In Good Order cases surface after work has already moved downstream, creating callbacks, rework, delays and avoidable cost.
04
When judgment is informal, the reasoning behind a decision can be difficult to reconstruct consistently at scale.
What the operations buyer measures
Navigator is designed around the KPIs that matter to operations leaders, while preserving the governance requirements of technology and compliance teams.
NIGO rate
Catch issues earlier and reduce rework
Cost per transaction
Reduce manual effort and exception handling
Cycle time
Move more work straight through
Audit readiness
Keep every action and decision traceable
Speed, cost and quality improve together, with accountability built into execution
How Navigator works in wealth management
AI agents execute the work. Wealth management context, deterministic rules, critic decisioning and human checkpoints keep each step controlled.
01
Capture and normalize requests from documents, emails, portals, APIs and data feeds.
02
Check required fields, client data and policy conditions before work moves downstream.
03
Apply the same effective rules, context and checks to every item of a given type.
04
Execute into existing systems of record wherever confidence and policy allow.
05
Route genuine judgment calls to the right human with full context and evidence.
Governance across every stage
● Agent explainability
● Audit trail
● Human oversight
● Policy controls
● Confidence thresholds
Wealth management context built in
Navigator is not a generic AI layer. Its wealth management context fabric codifies the rules, entities, exceptions, taxonomies and system connections that shape real operations.
05
Core wealth process domains
Money movement, onboarding, servicing, custody and trade, advisor support
04
Domain and compliance models
NIGO taxonomy, eligibility, KYC and AML, suitability, withholding and contribution rules
03
Semantic layer
Household, account, position, transaction, document and case relationships
02
Technology and data platform
Extraction, normalization, retrieval, rules execution, memory and governance
01
Sources of truth
Systems of record, runbooks, SOPs, regulatory rules and historical exception patterns
Wealth management native
Rules and operational knowledge are structured, versioned and available to the workflow at decision time, so the same expertise can be applied consistently without relying on who happens to be available.
Custodian variants
Account lifecycle
NIGO reason codes
Suitability and eligibility
Exception playbooks
Audit evidence
The expertise is no longer personal knowledge. It becomes part of the operating model.
Pre-built wealth workflows
Navigator brings pre-built workflow families, agent patterns, exception paths and auditability across the wealth value chain. Teams configure rules and routing instead of rebuilding the platform.
↔
Coordinate request intake, rules, validation, NIGO detection, approval and execution across payment and transfer workflows.
ACH / AIP
Wire
Check
Journals
Roth conversion
SWP
Agent patterns: document extraction, withholding rules, ABA validation, NIGO detection, human review
＋
Move account opening from document intake through verification, suitability, funding and exception resolution.
Account profile
Identity verification
Suitability
Initial funding
Agent patterns: document extraction, KYC and AML screening, suitability, NIGO detection, human review
✓
Apply consistent validation and dual-authorization controls to sensitive client and account changes.
Beneficiary update
Address / contact
Title / registration
Power of attorney
Agent patterns: change validation, dual authorization, CRM update, audit logging
⇄
Automate the exception-heavy middle office where breaks, transfers and corporate actions create manual effort.
Trade settlement
ACAT / DRS
Corporate actions
Tax lot and cost basis
Reconciliation
Agent patterns: reconciliation, break detection, corporate actions, exception escalation
◎
Bring proactive intelligence and action orchestration into the advisor workflow before and after client interactions.
Pre-meeting brief
Post-meeting actions
Daily intelligence
RMD and rollover flags
Agent patterns: data aggregation, brief generation, action capture, CRM sync
✦
Give advisors a natural-language interface for common operational questions and case guidance without chasing the back office.
Balances and holdings
Case status
NIGO guidance
Planning gaps
Agent patterns: query understanding, retrieval, NIGO guidance, response generation
Business impact
Better operations show up in the scorecard: more capacity, faster cycle times, fewer exceptions and lower cost per transaction, without losing auditability.
One case end to end
Money movement concentrates the challenge: high volume, custodian-specific rules, client context, exception handling and compliance. Navigator turns that complexity into a governed operating flow.
1
Capture and normalize the request at entry
2
Detect missing data and Not In Good Order conditions before downstream processing
3
Apply versioned rules, wealth context and critic review
4
Execute straight through where safe, or escalate with full evidence
5
Retain a complete reasoning and audit trail for later review
Representative money movement outcomes
Use agreed operational KPIs to benchmark the pilot and scale only when the value and controls are proven.
50-65%
Average capacity uplift
Hours → Minutes
Cycle-time reduction
~40%
Average operations cost reduction
30-50%
Fewer exceptions and rework
Representative outcomes from Money Movement estimation in the provided Navigator product materials. Actual results vary by workflow complexity, baseline, data quality, controls and deployment scope.
Platform + managed operations
Navigator can combine the platform with managed operations execution, bringing technology, wealth domain expertise, human oversight and continuous improvement into one delivery model.
Agentic orchestration, wealth context, critic decisioning, governance and enterprise integration.
Domain expertise, service accountability, human oversight and continuous improvement.
Together: a managed business outcome, not a toolkit of standalone agents
Baseline one high-value workflow
Load knowledge, rules and integrations
Benchmark value, accuracy and controls
Reuse the governed foundation
Built for the wealth operations buying committee
The page speaks first to the operations buyer while giving technology and compliance leaders the answers they need to support adoption.
Outcome owner
Needs operations to absorb AUM and transaction growth without proportional headcount, rising error rates or longer cycle times.
NIGO rate
Cost per transaction
Cycle time
Capacity
Technology gate
Needs confidence that Navigator fits the existing estate, protects data and can be deployed without a rip-and-replace program.
Integration effort
Security
Deployment model
Configurability
Regulatory gate
Needs every consequential AI decision to be explainable, every action logged and governance embedded in the execution path.
Audit trail
Explainability
Controls
Regulatory exposure
Buyer FAQ
Concise answers for the teams evaluating fit, governance and deployment.
Navigator includes pre-built workflow families for money movement, client onboarding, account servicing, custody and trade operations, advisor cockpit and advisor concierge. The same governed foundation can be configured for additional workflows.
Navigator combines specialized AI agents with wealth management context, versioned business rules, exception paths, critic decisioning, policy controls and human review. It is designed to run an operating workflow, not simply automate a task or answer a prompt.
No. Navigator is designed to connect to existing custodial, portfolio accounting, CRM, document and operational systems. It can execute through connected systems while maintaining the workflow state and audit evidence in the governed operating layer.
Decision context, evidence, policy checks, confidence and agent or human actions can be retained as part of execution. Consequential decisions can be routed through configured critic and human-review checkpoints, with the resulting trail available for later review.
Yes. Navigator is designed so client-specific rules, thresholds, routing, agent behavior and workflow logic can be configured on the shared platform rather than requiring a new architecture for every workflow.
Start with one high-value workflow and baseline the current scorecard. Configure the knowledge, rules and integrations, validate accuracy and controls in a contained pilot, then reuse the same governance and platform foundation across adjacent operations.
Start with one high-value workflow and see how governed Agentic AI can improve capacity, cycle time, exception handling and control across your wealth operations.