Optimised client lifecycle management for a leading international private bank
BIL Suisse set out to modernise the way it manages high-net-worth clients throughout their entire lifecycle. What began as a compliance initiative evolved into a fully digital CLM suite covering client onboarding, reviews and updates. This case study shows how Atfinity delivered a scalable, Avaloq-integrated solution tailored to the complexities of private banking.
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Compliance-driven CLM transformation.
Automated client onboarding, reviews and updates.
Integrated with Avaloq for seamless lifecycle workflows.
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Process complexity across the entire client lifecycle
As a private bank serving international HNW clients, BIL Suisse handles complex structures, cross-border requirements and detailed source-of-wealth reviews.
The bank’s processes – covering client onboarding, updates and reviews – were largely manual, document-heavy and handled through multiple disconnected tools.
Compliance teams carried a high administrative load, while the front office lacked a structured workflow to guide clients through regulatory steps.
Data had to be entered repeatedly into different systems, making it difficult to ensure consistency, control and auditability.
BIL Suisse needed a flexible client lifecycle management solution that could digitise end-to-end compliance processes, reduce manual work and connect seamlessly to Avaloq.
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A comprehensive CLM suite on top of Avaloq
BIL Suisse partnered with Atfinity to deliver a unified CLM solution that supports onboarding, client changes and periodic reviews across private banking segments.
Key elements included:
- Guided onboarding and lifecycle journeys capturing KYC, suitability, risk assessments and source-of-wealth documentation.
- Configurable workflows reflecting BIL’s cross-border rules, compliance standards and private banking processes.
- Structured handling of client updates - from address changes to new products, risk profile changes and relationship restructurings.
- Digital reviews with automated triggers and consistent regulatory application.
- Integration with Avaloq, ensuring accurate data exchange and eliminating double entry.
- A platform that began in compliance and progressively expanded to cover the entire client lifecycle.
This created a scalable operational foundation that could evolve with the bank’s business and regulatory environment.
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A scalable and consistent client lifecycle framework
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Improved operational efficiency
Automated workflows reduce manual touchpoints across onboarding, updates and reviews.
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Greater consistency in compliance
Every lifecycle event now follows structured, audit-ready rules aligned with private banking requirements.
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Strong collaboration across the board
Front office, compliance and operations work within a unified CLM framework with full transparency.
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Seamless connection to Avaloq
Integrated data flows ensure that client information is always up to date across the the bank's systems..
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Future-proof scalability
Starting with compliance and expanding across the organisation gives everyone the same data and rules – the foundation for scalable growth
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About BIL Suisse
Banque Internationale à Luxembourg (Suisse) SA is a private bank serving international high-net-worth individuals and families. With complex cross-border and regulatory requirements, the bank adopted Atfinity to transform CLM across its key business processes.
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Start small and scale up - your choice.
Prototype, run a proof of concept, or move into full deployment, all on the same AI-powered, no-code technology.