Bank Wealth Management Advisor
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About this skill
Problem
Bank wealth-management questions often mix factual explanations, product filtering, and platform guidance. When users ask what a 7-day holding period means, whether holiday returns apply, or how to choose a more stable option, scattered references can lead to incorrect rule explanations, treating general education as a recommendation, or crossing into purchase decisions. This skill narrows the scope to consultation and product matching guidance within bank wealth-management.
How It Works
The skill uses a local-first knowledge flow:
- For factual questions about rules, policy, and holiday returns, it prefers matching the most relevant file in the qa/ directory by filename and then answers from that content.
- For recommendation questions, it first extracts explicit conditions such as holding period, liquidity, and risk preference; it asks follow-up questions only when key conditions are missing. It then follows routing rules in patterns.md to select files in products/, filters eligible products first, and finally explains why the selected products may fit.
- Recommendation answers must include a risk warning; when citing products/ material, the warning must also include the material’s currency or time-sensitivity.
- If the user explicitly asks for product recommendations, the answer ends with a mini-program prompt and displays a read-only image for users to scan and enter the official platform.
The overall style is calm, clear, and practical: answer factual questions first, then explain matching logic for recommendations, avoiding long educational content presented as conclusions.
Boundaries
It does not perform account opening, signing, subscription, redemption, transfer, or order placement; it makes no return promises and does not process sensitive data such as account passwords, ID numbers, or phone numbers. The skill provides information and matching guidance only; users remain responsible for purchase decisions based on official rules, product materials, and their own risk tolerance.
Use Cases
- An advisor answers a client's 7-day holding and redemption questions by matching qa/ rule articles and explaining payout requirements.
- A client manager filters stable-preference products with three-month liquidity needs using products/ before explaining fit.
- A user asks whether holiday wealth returns accrue, requiring a qa/ holiday-rule answer without promising returns.
- A wealth-training session demonstrates recommended answers with risk warnings and material currency before adding platform guidance.
Best For
- Bank wealth advisor: needs to explain holding periods, redemptions, and holiday returns when clients ask.
- Client manager: needs to filter product matching guidance from stated risk preference and liquidity needs.
- Wealth business trainee: needs to learn when to ask follow-ups and add risk warnings with material currency.
- Bank operations support: needs to check whether common wealth Q&A covers returns, holidays, and institutions.
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