Family B · Running products and operations
MeshFin Invest
Investment and wealth account servicing
Investment accounts and portfolios serviced without the paper: orders validated against the mandate, corporate actions processed and explained, statements and fee disclosures written in plain language, and drift from the mandate flagged before a review finds it.
MeshFin Invest (MF-13), the service for investment and wealth account servicing, is one of the twenty-four MeshFin services, in the "Running products and operations" family, which follows the BIAN Operations and Execution business area. It covers the BIAN service domains Investment Account, Investment Portfolio Management, Custody Administration, Corporate Action, Trade Settlement and Financial Instrument Reference Data Management in whole or in part. Investment accounts and portfolios serviced without the paper: orders validated against the mandate, corporate actions processed and explained, statements and fee disclosures written in plain language, and drift from the mandate flagged before a review finds it. It replaces wealth platform administration tool, corporate actions spreadsheets, statement production by hand and mandate drift reviews on a cycle. AI agents carry the work end to end; a named person takes every decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. It is core for a universal and retail bank, common for a mutual and community bank, common for a non-bank lender and fintech.
BIAN service domains this service covers
In the BIAN Operations and Execution business area of the Service Landscape 14.0, in whole or in part. Lay this over your own BIAN map to see what MeshFin Invest covers and what stays. BIAN has not reviewed or endorsed MeshFin.
- Investment Account
- Investment Portfolio Management
- Custody Administration
- Corporate Action
- Trade Settlement
- Financial Instrument Reference Data Management
What it replaces
- Wealth platform administration tool
- Corporate actions spreadsheets
- Statement production by hand
- Mandate drift reviews on a cycle
What it reacts to
- Order placed
- Corporate action announced
- Market move beyond a threshold
- Statement period ends
- Adviser instruction received
- Fee falls due
The agents that carry it
Order agent
Validates and routes orders, checks the mandate and the product's restrictions, and explains any order it cannot pass.
Corporate actions agent
Processes elections, dividends and reinvestment, and explains each to the customer.
Reporting agent
Produces statements, performance and fee disclosures in plain language, reconciled to the custodian.
Suitability agent
Flags where a portfolio has drifted from its mandate or where a product's target market no longer fits the customer.
Where a person decides
No decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation is taken by an agent alone. In MeshFin Invest, these decisions are held for a named person, with the agent's evidence and recommendation attached.
| Decision | Who decides | Why a person |
|---|---|---|
| Personal advice | Licensed adviser | The law |
| Trades outside the mandate | Delegated officer | Financial effect on a customer |
| Fee or product change | Product owner | Conduct obligation |
Records it writes
Order record · Corporate action election · Statement · Mandate drift note
Before MeshFin: the baseline this service is measured against
Illustrative figures for a mid-sized institution on the systems the service replaces. Sample data, not a customer's. A live service reports what its agents are doing instead.
Accounts
140,000
across platforms
Corporate actions by hand
60%
today
Statement queries
12%
of contact today
Drift found by review
annually
today
Institutions: core for a universal and retail bank, common for a mutual and community bank, common for a non-bank lender and fintech. Universal and retail bank ● · Mutual and community bank ◐ · Non-bank lender and fintech ◐.
Questions banks ask about MeshFin Invest
- What does MeshFin Invest do?
- MeshFin Invest is the MeshFin service for investment and wealth account servicing. Investment accounts and portfolios serviced without the paper: orders validated against the mandate, corporate actions processed and explained, statements and fee disclosures written in plain language, and drift from the mandate flagged before a review finds it. It reacts to events such as order placed, corporate action announced and market move beyond a threshold, and writes order record, corporate action election, statement and mandate drift note as records.
- Which BIAN service domains does MeshFin Invest cover?
- Investment Account, Investment Portfolio Management, Custody Administration, Corporate Action, Trade Settlement and Financial Instrument Reference Data Management, in the BIAN Operations and Execution business area, in whole or in part. The mapping is to the published BIAN Service Landscape; BIAN has not reviewed or endorsed MeshFin.
- What systems does MeshFin Invest replace?
- Wealth platform administration tool, Corporate actions spreadsheets, Statement production by hand and Mandate drift reviews on a cycle. Because the service runs on the MeshFin platform, the licence, integration and upgrade costs of those systems retire with them.
- What do the AI agents do in investment and wealth account servicing?
- The order agent validates and routes orders, checks the mandate and the product's restrictions, and explains any order it cannot pass. The corporate actions agent processes elections, dividends and reinvestment, and explains each to the customer. The reporting agent produces statements, performance and fee disclosures in plain language, reconciled to the custodian. The suitability agent flags where a portfolio has drifted from its mandate or where a product's target market no longer fits the customer.
- Which decisions does a person still take?
- Agents never take a decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. In MeshFin Invest, a person decides personal advice (licensed adviser), trades outside the mandate (delegated officer) and fee or product change (product owner). The record shows who decided, why, on what evidence and under which delegation.