Torchora
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Key Responsibilities and Required Skills for Associate Client Advisor

💰 $ - $

🎯 Role Definition

We are seeking an Associate Client Advisor to deliver high-quality, client-centric service and advisory support across a defined book of business. The Associate Client Advisor partners with senior advisors and internal specialists to onboard new clients, execute transactions, prepare tailored investment materials, and ensure ongoing regulatory and operational compliance. This role is ideal for a proactive, detail-oriented professional with strong interpersonal skills, a foundational understanding of financial products, and a commitment to growing client relationships and assets under management.

📈 Career Progression

Typical Career Path

Entry Point From:

  • Client Service Associate / Client Service Representative
  • Junior Wealth Advisor / Advisory Analyst
  • Relationship Management Analyst / Operations Specialist

Advancement To:

  • Senior Client Advisor / Relationship Manager
  • Private Banker or Wealth Manager
  • Portfolio Manager or Advisory Team Lead

Lateral Moves:

  • Product Specialist (Investments or Lending)
  • Compliance / Risk Analyst
  • Business Development or Sales Support

Core Responsibilities

Primary Functions

  • Manage a portfolio of retail and mass-affluent clients by proactively maintaining regular contact, conducting periodic portfolio reviews, and advising on day-to-day account needs to maximize retention and satisfaction.
  • Lead the client onboarding process including KYC/AML verification, documentation collection, account set-up, electronic access provisioning, and coordination with operations to ensure timely and compliant account openings.
  • Prepare tailored financial and investment proposals, performance reports, and portfolio review materials that translate complex investment strategies into clear recommendations aligned to client goals.
  • Execute client transactions and trade requests in accordance with client instructions and internal controls; partner with trading and operations teams to reconcile trade discrepancies and ensure accurate settlement.
  • Conduct needs analysis and risk profiling to assess client objectives and suitability for investment products, documenting the recommendation rationale and suitability assessments.
  • Identify cross-selling and upselling opportunities across banking, lending and investment product lines by building trusted relationships, leveraging product specialists, and following targeted referral strategies.
  • Serve as the primary day-to-day contact for assigned clients to resolve service issues, respond to inquiries about products and processes, and escalate complex matters to senior advisors or specialists as needed.
  • Maintain accurate client records, interaction logs and case notes within CRM systems; ensure all client data updates and communications are documented to meet audit and regulatory requirements.
  • Support senior advisors during client meetings by preparing agendas, assembling client materials, capturing meeting notes and following up on action items to ensure timely delivery.
  • Monitor client portfolios for performance, risk exposure and compliance with investment mandates; recommend rebalancing or allocation adjustments in coordination with the advisory team.
  • Collaborate with product specialists to design and present tailored investment solutions including model portfolios, discretionary mandates, and structured products when appropriate for client objectives.
  • Provide clear and timely client communication on market updates, portfolio performance and firm insights to educate clients and reinforce the advisor relationship.
  • Assist with fee calculations, billing inquiries and preparation of account statements, tax reporting documents and other regulatory disclosures for clients.
  • Coordinate multi-party client service activities such as beneficiary changes, trust and estate coordination, account transfers and custodian interactions to ensure seamless execution.
  • Support business development initiatives by preparing prospecting materials, qualifying referrals, participating in client events and following up on leads to help grow assets under management.
  • Prepare and contribute to pitch books, investment committee materials and RFP responses by conducting market research, performance attribution and product analysis.
  • Ensure onboarding and ongoing account activities comply with internal policies and applicable regulations; prepare documentation required for periodic reviews and regulatory audits.
  • Manage client escalations and service recovery situations with empathy and a solutions orientation, coordinating internally to resolve issues quickly and preserve the relationship.
  • Train and educate clients on digital tools, online portals and reporting platforms, driving adoption of self-service channels and timely delivery of electronic communications.
  • Track and analyze client transaction patterns and account activity to identify at-risk relationships, revenue opportunities and service improvements; propose retention strategies based on data insights.
  • Support the implementation and roll-out of new products, technology upgrades and process changes by coordinating testing, client communication and internal training to minimize client disruption.
  • Contribute to continuous improvement initiatives by documenting processes, proposing operational efficiencies and participating in cross-functional working groups to enhance client experience.

Secondary Functions

  • Assist in ad-hoc client reporting requests and customized analyses to support senior advisors and client presentations.
  • Participate in internal and external training programs to deepen product knowledge, regulatory awareness and advisory skills.
  • Support marketing and client engagement campaigns by preparing compliant client communications, newsletters and event materials.
  • Work with the compliance team to prepare and respond to regulatory inquiries, internal audits and required remediation activities.
  • Provide backup coverage for colleagues during leave periods to ensure uninterrupted client service and adherence to SLA targets.
  • Engage in community outreach and firm-sponsored networking events to represent the advisory team and help generate new client referrals.

Required Skills & Competencies

Hard Skills (Technical)

  • Client Relationship Management (CRM) systems — experience maintaining detailed client records and workflows (e.g., Salesforce, Microsoft Dynamics, or proprietary platforms).
  • Account opening and KYC/AML processes — thorough understanding of documentation, verification and regulatory requirements.
  • Investment product knowledge — familiarity with equities, fixed income, mutual funds, ETFs, discretionary models and basic structured products.
  • Portfolio reporting & performance analysis — ability to prepare and interpret portfolio statements, attribution and benchmarking.
  • Trading & operations coordination — knowledge of trade lifecycle, settlement processes and error resolution.
  • Financial needs analysis & risk profiling — competency in conducting fact-finding and mapping client goals to investment solutions.
  • Microsoft Excel — advanced skills for analysis, data reconciliation and client reporting (pivot tables, lookups, basic formulas).
  • Presentation and document preparation — proficiency with PowerPoint and PDF tools for pitchbooks and client deliverables.
  • Regulatory compliance awareness — practical knowledge of suitability, fiduciary responsibilities and disclosure obligations.
  • Digital client platforms — experience onboarding clients to online portals, mobile apps and electronic statement systems.
  • Basic financial modelling and scenario analysis — ability to produce simple cash flow and allocation scenarios for client discussions.
  • CRM-driven sales pipeline management — tracking leads, referrals, and conversion activities to support business growth.

Soft Skills

  • Exceptional verbal and written communication — able to explain complex financial concepts clearly and persuasively.
  • Relationship building and client empathy — strong interpersonal skills to build trust with diverse client profiles.
  • Attention to detail — meticulous in documentation, compliance checks and transaction processing.
  • Problem solving and decision-making — able to diagnose client issues and coordinate solutions across teams.
  • Time management and prioritization — manage high-volume, deadline-driven workloads while preserving service quality.
  • Sales orientation and commercial awareness — focused on identifying opportunities and contributing to revenue goals.
  • Team collaboration — works effectively with advisors, product specialists and operations teams.
  • Adaptability and learning agility — comfortable with evolving regulations, systems and product sets.
  • Confidentiality and integrity — applies strong ethical standards when handling sensitive client information.
  • Professional presence — poised in client meetings and able to represent the firm externally.

Education & Experience

Educational Background

Minimum Education:

  • Bachelor's degree in Finance, Business, Economics, Accounting or a related field.

Preferred Education:

  • Bachelor’s plus relevant certifications (CFP, CFA Level I/II, or industry licenses depending on jurisdiction).
  • Postgraduate certificate in wealth management, financial planning or investment analysis (optional).

Relevant Fields of Study:

  • Finance
  • Economics
  • Business Administration
  • Accounting
  • Financial Planning

Experience Requirements

Typical Experience Range: 1–4 years of client-facing experience in banking, wealth management, brokerage, or asset management.

Preferred:

  • 2–5 years supporting advisors or managing client relationships with demonstrable experience in onboarding, client servicing and basic investment advisory support.
  • Prior exposure to CRM systems, KYC/AML workflows, portfolio reporting, and cross-functional coordination between advisory and operations teams.
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