Private banking is relationship heavy, product broad, credit sensitive, and compliance exacting. Strkr ships a CRM shaped around HNW households, credit and lending overlay, trust and estate relationships, and the full audit log a bank compliance officer expects.
Private banking groups inside commercial and investment banks run on relationships, not transactions. The client lifecycle is onboarding, relationship development, product cross sell, lending overlay, trust and estate planning, generational transition, and annual relationship review. The six pain points below are what Strkr onboarding hears on every intake call with a private banking group.
A private banking household typically has deposit accounts in the deposits system, lending exposure in the credit system, investment management in the wealth platform, and trust relationships in the trust system. The relationship manager jumps between three or four screens to see the household picture. Strkr aggregates the household view through API integration with each product system and surfaces the full relationship on one page.
A client requests a $4M margin loan against the investment portfolio. The relationship manager pulls up the household and realizes there is already a $12M line of credit against the real estate holdings. The total credit exposure needs committee review. Strkr lending overlay surfaces total credit exposure, concentration risk, and committee approval status on the household card.
A $120M household includes a grantor trust, a GST exempt trust, two credit shelter trusts, a QPRT, and a family limited partnership. The entity map is complex. The relationship manager relies on tribal knowledge from the trust officer. Strkr trust and estate schema maps the full entity structure with beneficiary relationships, trustee roles, and distribution schedules.
HNW client retention is driven by relationship manager touch frequency. The target is quarterly meaningful touches with monthly check ins. In practice the cadence slips. Strkr relationship cadence tracker surfaces last touch date, next scheduled touch, Strkr AI drafted touch point suggestions (market update, lifecycle event followup, trust distribution reminder) in a dedicated view for the RM morning routine.
A private banking household with $42M in investments and no mortgage at the bank is a cross sell opportunity. The RM may or may not know the mortgage is elsewhere. Strkr cross sell visibility surfaces product penetration across the household (deposits, lending, investment, trust, mortgage, insurance) with the gaps highlighted and the Strkr AI drafted cross sell pitch for the next review.
Private banking sits inside the bank regulatory perimeter. Reg BI (for investment advice), suitability (for product recommendations), BSA and KYC (for account opening and ongoing monitoring), FATCA (for cross border tax), FINRA (for broker dealer activity). Strkr audit log captures the full compliance posture with record read and write at 90 day default retention tunable to the bank regulatory ceiling (typically 7 years).
Strkr ships a tunable private banking schema with Household, Entity, Account, Lending Facility, Trust Relationship, and Touch Point as first class objects.
A private banking household groups the primary client, spouse, dependents, trust entities, family limited partnerships, and operating business entities under one household record. The AUM, deposit balance, lending exposure, and trust assets roll up to the household level.
An entity in Strkr defines type (grantor trust, non grantor trust, GST exempt, QPRT, SLAT, GRAT, CRT, LLC, family limited partnership, private foundation), tax identification, formation date, trustees or managers, and beneficiary structure. Entities tie to the household and own the accounts within them.
An account ties to the entity and carries type (deposit, investment, retirement, trust), balance, pricing arrangement (fee schedule, waived fee), and relationship manager assignment. Account data pulls from the deposit, lending, wealth, and trust systems through API integration.
A lending facility ties to the household or entity and defines type (line of credit, mortgage, margin loan against portfolio, asset based line, aircraft finance, art finance), outstanding balance, committed amount, pricing (spread over benchmark), collateral, covenants, and renewal date.
A trust relationship ties the bank role (sole trustee, co trustee, custodian, directed trustee) to the trust entity with beneficiary structure, distribution schedule, decanting history, and governance documents. The trust officer and the relationship manager share visibility through the role model.
A touch point ties to the household and logs the interaction type (quarterly meeting, market update call, lifecycle event discussion, holiday card, dinner invitation, charity event), participants, topics, and follow up actions. Touch points drive the relationship cadence tracker.
The seven cards below walk through the RM morning view in Strkr. Each is a working surface that lands in the default configuration.
The first card surfaces households past the touch cadence target with the Strkr AI drafted touch point suggestion (market update, lifecycle event followup, trust distribution reminder, portfolio drift conversation). The RM scans and acts on the three that matter most this week.
Credit facilities maturing in the next 90 days surface with current balance, pricing, utilization, and renewal recommendation. The RM coordinates with the credit officer on the renewal terms before the client conversation.
Material deposit outflows (over $500K in a week) across households surface with the context (where did the money go, is it internal transfer, external transfer, planned event). The RM reaches out proactively to understand and retain.
Households with product gaps (private banking client with no mortgage at the bank, investment client with no deposit relationship) surface with the Strkr AI drafted cross sell pitch for the next review. The RM selects the two to raise in the quarterly meeting.
Lifecycle events (business sale closing, inheritance received, divorce proceedings, retirement approaching, death in family) surface as workflow prompts. The RM schedules the dedicated conversation with the recommended agenda.
Compliance follow ups (suitability reconfirmation due, KYC refresh due, Reg BI care obligation documentation) surface for action. The RM runs the compliance step with the AI drafted communication and the audit log captures the completion.
The seventh card is the weekly cadence recap. Touches completed, lending renewed, cross sell meetings held, lifecycle events handled, compliance steps completed. The RM reviews and the week closes.
Private banking AI cannot sound like a chatbot and cannot leak client PII or confidential financial detail. Strkr AI drafts in a professional private banker voice with retrieval scope limited to the household.
Strkr AI drafts a market update note for each household with context specific to the client allocation and the recent market moves. The letter is not a mass broadcast. Each household gets a tuned paragraph pulling from the client specific allocation and lifecycle context.
For a lifecycle event (business sale approaching, inheritance received, divorce) Strkr AI drafts a planning memo with the recommended agenda topics (deposit strategy, tax position, investment deployment, trust funding, insurance review). The RM uses the memo to run the dedicated planning conversation.
For a household with no mortgage at the bank Strkr AI drafts the cross sell pitch with the household context, the mortgage product recommendation, the pricing frame, and the next step. The RM reviews, tunes the pitch, and raises it in the quarterly meeting.
Before a credit facility renewal committee review Strkr AI drafts the committee prep summary with the client relationship context, the facility history, the covenant performance, the collateral status, and the renewal recommendation. The RM runs the committee meeting with the prep complete.
For scheduled trust distributions Strkr AI drafts the beneficiary notice with the distribution amount, the tax treatment, the delivery method, and the compliance language the trust document requires. The trust officer approves and sends.
After the quarterly review meeting Strkr AI drafts the followup email with the discussion summary, decisions recorded, agreed next steps, and next scheduled touchpoint. The followup logs to the audit log for Reg BI care obligation documentation.
Legacy private banking CRMs (nCino, Fenergo, Salesforce Financial Services Cloud, custom bank builds) typically run 36 to 60 month implementation cycles with $400K to $4M in implementation fees. Strkr sits as a modern alternative with the open API posture to tie into the bank existing deposit, lending, and wealth systems.
| Feature | Strkr | Legacy private banking CRM |
|---|---|---|
| Household schema with entity map | Trust, LLC, partnership, foundation as entities. | Account level, custom entity build. |
| Lending overlay | First class with concentration risk flag. | Custom build or absent. |
| Trust and estate schema | Trustee role, beneficiary, distribution schedule. | Custom build. |
| Relationship cadence tracker | With AI drafted touch point suggestions. | Report based. |
| AI drafting in private banker voice | Market update, lifecycle, cross sell, lending. | None. |
| Open API | OpenAPI, GraphQL, HMAC signed webhooks. | Vendor integration pattern. |
| Implementation timeline | Twelve to eighteen weeks for a pilot group. | Thirty six to sixty months enterprise. |
| Compliance posture | Reg BI, BSA, KYC, FATCA audit log at 90 days tunable to 7 years. | Robust, often add on module. |
| Flat per seat pricing | $29 to $119 per seat. | Enterprise license plus implementation. |
| Platform credential posture | AWS KMS and AWS Secrets Manager. | Vendor managed. |
The playbooks below are patterns Strkr onboarding sees across private banking group deployments. Each is a real bank motion.
A 42 RM private banking group at a $18B regional bank ran on a Salesforce Financial Services Cloud instance with a 36 month implementation and $2.4M in partner fees. The RMs still ran daily workflow in Excel. Strkr piloted with 8 RMs over 14 weeks on Scale at $119 per seat. The pilot ran clean against Salesforce FSC. The group expanded Strkr to the full 42 RMs over the next two quarters.
A 14 RM boutique private bank in New York served UHNW clients with $8B in combined AUM and $2B in lending exposure. The firm ran a custom bank built CRM that was 18 years old. Strkr onboarding ran a 32 business day migration consolidating the deposit, lending, wealth, and trust systems into a unified household view. The RMs got the one page household view in Strkr with the four source systems feeding through API.
A 24 trust officer group at a trust company served 1,800 trust relationships with $12B in trust assets. The trust and estate schema was the primary pain. Strkr onboarding configured the trust entity schema with trustee role, beneficiary structure, distribution schedule, and governance documents. The trust officer workflow and the compliance audit view consolidated into one surface.
A multi family office inside a $42B bank served 24 UHNW families with combined $4.8B. The entity map complexity (120 trusts, 180 LLCs, 42 private foundations) was unmanageable in legacy CRM. Strkr onboarding configured the full entity schema with family level roll up above household and the compliance audit view at the family level. The relationship manager team got the family picture for the first time.
A private banking group at a $12B bank ran credit facility renewals through an email based committee workflow with the committee prep memo rebuilt from scratch each cycle. Strkr onboarding configured the lending overlay with Strkr AI drafted committee prep memo pulling from facility history, covenant performance, and collateral status. Committee throughput lifted 40 percent and the prep memo quality improved.
Book a 30 minute call. We will walk through the household schema, the lending overlay, the trust and estate relationships, and the compliance audit log with your current source systems and RM team.
Strkr audit log captures every record read, record write, email send, document access, and AI call with 90 day default retention tunable per tenant to the bank regulatory retention ceiling (typically 7 years for broker dealer activity under FINRA, 5 years for RIA activity under SEC). The compliance posture supports Reg BI care obligation documentation, suitability reconfirmation, BSA and KYC ongoing monitoring, FATCA cross border tax tracking, and FINRA Rule 2210 communication review. SSO (SAML and OIDC) is live on Scale tier through Clerk, MFA is live, Verified Domains are live. Integration tokens live in AWS KMS, platform credentials live in AWS Secrets Manager. SOC 2 Type II is in progress with target 2026-Q4. HIPAA BAA is available on request for groups that handle health related planning.
Strkr integrates with every major bank system through its REST and GraphQL API with HMAC signed outbound webhooks and a published OpenAPI spec. The typical setup has Strkr aggregating the household view from the deposit system (Jack Henry, FIS, Fiserv), the lending system (nCino, Encompass, custom bank build), the wealth system (BNY Pershing, Fidelity Clearing, Charles Schwab, LPL), and the trust system (SEI Trust 3000, SS and C Innotrust, custom bank build). The integration lands in an engineering sprint of 8 to 14 weeks for a pilot group of 8 to 14 RMs with the bank data team.
Strkr trust and estate schema maps the full entity structure. Trust types supported include grantor trust, non grantor trust, GST exempt, QPRT, SLAT, GRAT, CRT, charitable lead annuity trust, dynasty trust, and bypass trust. Entity types include LLC, family limited partnership, private foundation, donor advised fund, and operating business. The schema tracks trustee role (sole trustee, co trustee, custodian, directed trustee), beneficiary structure (lifetime, remainder, income, principal), distribution schedule, decanting history, and governance documents. The relationship manager and the trust officer share visibility through the role model with the family level roll up above household.
For a pilot group of 8 to 14 RMs the implementation runs 12 to 18 weeks end to end. The sequence is 2 weeks of discovery and schema design, 6 to 8 weeks of integration build with the bank data team on the four source systems, 2 weeks of pilot training and workflow setup, 2 to 4 weeks of pilot run with the RM group live, and 2 weeks of full group rollout. For a 42 RM full private banking group the full rollout runs 24 to 36 weeks. The pricing stays flat at Scale tier $119 per seat per month plus AI Enhancement at $49 per month covering 5,000 AI calls flat. No implementation partner retainer in the standard engagement.
The lending overlay surfaces facility maturities in the next 90 days on the RM morning view with current balance, pricing, utilization, and renewal recommendation. Strkr AI drafts the committee prep summary with the client relationship context, the facility history, the covenant performance, the collateral status, and the renewal recommendation. The RM coordinates with the credit officer on the renewal terms before the client conversation. The committee workflow logs the review, the decision, the pricing, and the covenants to the audit log for regulatory review. The lending data syncs bi directionally with the bank lending system (nCino, Encompass) through the HMAC signed webhook spec.
For a 42 RM private banking group Salesforce Financial Services Cloud lists at $225 per user per month plus implementation partner fees that typically run $12,000 to $18,000 per month over a 36 month implementation. Loaded cost over 36 months runs about $340,000 for licenses plus $540,000 for implementation partner, totaling about $880,000. Strkr Scale at $119 per seat plus AI Enhancement at $49 per month runs about $5,000 per month in licenses plus implementation inside the standard onboarding. Over 36 months Strkr runs about $180,000 total, which lands about 80 percent below the Salesforce loaded number. The pricing math is often the easiest part of the Strkr case for a private banking group.
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