The operating system for advisory wealth management
Software for banks and wealth managers: onboarding, portfolio construction, order management and continuous monitoring, run under one governance model.
Front-to-back, covered in four integrated modules
Two modules the firm governs, two that are highly automated. Shaped with wealth managers representing USD 60 billion in client assets.
Where the house view is set, benchmarked and versioned.
Where mandates are opened, portfolios constructed and proposals delivered.
Where an approved decision becomes filled and settled orders.
Where every event in the mandate lifecycle is stored, versioned and linked.
Model Management
Start with conviction.
Where a change in market view is tested against the book you already hold, and turned into allocation rules the whole firm runs on.
Aggregate expected return, volatility and correlation inputs from 20+ sources, then run the scenario across the portfolios you hold today. See the effect on allocation before the committee approves it.
Assess the investable universe against realised performance and forward-looking assumptions. Define your own asset classes, rotate instruments in and out, set eligibility per tier.
Bind strategies to client profiles by suitability, segment and mandate type, so eligibility is settled before an advisor proposes anything.
Set risk classification, pricing and service level per tier, so what a client pays and what a client may hold follow the same framework.
Publish allocation frameworks, portfolio rules and model portfolios, with the downstream impact costed per mandate and dated before release.
Advisor Desk
Every mandate in one place, from onboarding to standing review.
Where the mandate is opened, the portfolio built and the drift watched, for every client the firm carries.
Capture suitability, risk tolerance and investment objectives in one flow. Know-your-customer and appropriateness records are written as the advisor works, so the file is complete when the mandate is signed.
Every position the client holds, including assets held away. Connections to more than 6,000 custodians across 18 European markets, consolidated without manual reconciliation.
Set the proposed allocation against what the client holds today. Cost, risk and expected return on both sides, quantified before the meeting.
Build inside the mandate. Allocation layers, the eligible universe and the constraints from Model Management apply as the advisor works, so a breach is caught at construction.
Generate the client presentation from live portfolio data. Deliver in-app, over a secure link or in a live session.
Set triggers per client and per portfolio. Between reviews the book is watched continuously: drift thresholds, mandate breaches and stale positions surface as they appear. The advisor reads the handful that need judgement instead of every account.
Order Management and Record Keeping
No spreadsheets. No handoffs. No gap between the decision and the settled position. Order Management turns an approved decision into filled and settled orders, and Record Keeping writes the trail while it happens. Neither waits to be started.
The operations team stops keying orders and starts working exceptions. Volume grows the queue, not the headcount.
Record Keeping is the institutional memory of Njorda OS. Each action timestamped, each model version preserved, each constraint logged at the moment of the decision.
It writes as well as it records. As the advisor moves through the workflow, Record Keeping drafts the documentation from what actually happened and checks it against the mandate before sealing it.
The audit trail is a by-product of the work itself, complete at the moment a regulator asks for it.
Advisor workflow
Portfolio construction and the client conversation stay with the advisor. Onboarding, execution, monitoring and exception routing are highly automated.
Client information, mandate type and risk profile captured in a structured flow. The portfolio can be built the moment the flow completes.
The advisor works in one screen, with the client position, the eligible universe and the constraints already loaded.
The advisor prepares, presents and documents the meeting without opening another system.
Client signs the mandate. Orders are placed across custodians. Portfolio state updates only once every order is filled and confirmed.
Every portfolio is checked against its mandate on a standing schedule. Allocation drift, constraint breaches and drawdown alerts are raised without anyone running a report.
An exception reaches the advisor as a structured action with the trade detail attached. Everything that needs no judgement clears in the background.
For firms where the next hundred mandates cost less than the last hundred
Want to see for yourself how the platform could transform your workflow?
No two firms structure mandates the same way. Get in touch for an overview of our platform.