--- title: "Financial Institutions" description: "One household record across your bank, trust company and RIA, inside your own Snowflake. Track deposits leaving for outside brokerages, bank-to-wealth…" url: https://www.milemarker.co/solutions/milemarker-for/financial-institutions --- *Solutions*FINANCIAL INSTITUTIONS # See Every Household Across Your Bank, Trust Company and RIA Deposits, loans, trust accounts and managed assets on one record per household, inside your own Snowflake. Your bankers, trust officers and advisors work from the same view, and every regulatory boundary stays intact. [See the Wealth and Trust Command Center](https://www.milemarker.co/contact) THE PROBLEM ## Your Institution Meets the Same Family Three Times. Core banking **Deposits** Trust company **A stranger** Wealth / RIA **A stranger** Same household. No shared ID. A long-time depositor moves $400,000 to an outside brokerage. The branch sees a withdrawal. Nobody in trust or wealth knew the household existed until the money was gone. Every bank-only household with investable money is a relationship someone else will win. An institution should know its own clients as well as the brokerage down the street does. SEE IT WORK ## Follow One Alert From Outflow to Referral A morning at a bank and trust company running on Milemarker. Click the highlight to move through it. 1. 01 **8:56 AM.** Elaine Hartwell, who runs wealth and trust, opens her command center. First alert: $57.7M left for outside brokerages in the last 90 days, most of it from households that only bank with Silverpine. 2. 02 **Where the money went.** Money in Motion breaks the outflow down by destination: Schwab took $24M, Vanguard $12M, Fidelity $11M. 3. 03 **The money still in play.** $53M of CDs held by bank-only households mature in the next 90 days. Those are the conversations to start before renewal. 4. 04 **Tracked to the result.** Each banker referral to trust or wealth is followed from first contact to won or lost: 178 won and $228M converted in 12 months. 1 / 4 Silverpine Bank & Trust is a Milemarker demo institution. All names and figures are fictional. ONE COMMAND CENTER ## Bank, Trust and Wealth, Working From One View A wealth and trust command center built on your own data, in your brand, for the people who run each line of business. ### Household 360 **One record per household, across every entity** Deposits, loans, trust assets and managed accounts on one row, with the relationship manager, trust officer and wealth advisor beside them. See which households bank only with you, and which already use trust or wealth. ### Money in motion **See deposits leave before they're gone** Transfers to outside brokerages, by destination and by household, and CDs maturing in the next 90 days. Start the wealth conversation before the renewal date, not after the outflow. ### Referrals **Turn your bankers into a wealth pipeline** Every bank-to-wealth referral tracked from first contact to won or lost, with a scorecard by banker and the assets each referral brought to trust or the RIA. ### Trust and branches **Keep fiduciary reviews on schedule, branch by branch** Overdue annual and investment policy reviews across the trust company, trust assets under an overdue review, and the share of households with a trust or wealth relationship at every branch. Part of 140+ integrations across custodians, trust platforms, CRM, and planning systems. More institutional connections in active development. ## The Boundaries Hold Surveyors don't erase property lines to draw a map. Your data infrastructure shouldn't either. Different data classes carry different legal obligations, and Milemarker keeps every one of them intact while unifying the view. ### Rule 17a-4 retention Immutable records, complete audit trail, and lineage that traces every number on a board deck back to its source system. ### HIPAA-governed data Health information in benefits, HSA, long-term care, and trust administration stays governed under its own rules inside the same platform. ### Your Snowflake, your perimeter The data stays inside the institution's own instance. Role-based entitlements, no egress. ## One View. Every Jurisdiction. Data resident where each regulator requires it, with a single operating view across all of it. Add a domicile without rebuilding the model. - CANADIAN - CARIBBEAN - UNITED KINGDOM - UNITED STATES WHO IT'S FOR ## Built for Every Kind of Institution ### Bank wealth division Capture the referral the branch never knew it was sitting on. ### Credit union investment services See share of wallet across the entire membership, beyond the products you sold them. ### Independent trust company Profitability by relationship, traceable to source. GETTING STARTED ## Live Across Your Institution in Three Steps Your Milemarker team does the build. You make the decisions only your institution can make. - Works with the core, trust accounting and custodial systems you already run - Data stays in your own Snowflake, under your entitlements ### 1\. Map your systems We survey core banking, trust accounting, brokerage and CRM, and hand back a map of where household data actually lives. ### 2\. Agree what a household is Your team decides how customers across entities resolve to one household, and who may see what. ### 3\. Start with a few branches Bankers, trust officers and advisors in a pilot group check the numbers against what they know. Then roll out. ## What Changes for Your Institution BEFORE MILEMARKER AFTER MILEMARKER 01 Each entity sees only its own customers One household record across bank, trust and RIA 02 Outflows noticed after the money has left Maturing CDs and outflows flagged 90 days ahead 03 Referrals tracked in email and spreadsheets Every referral tracked to won or lost, by banker 04 Fiduciary reviews tracked officer by officer Overdue reviews visible across the trust company ## Start with a survey. WE MAP YOUR SYSTEMS AND HAND BACK A DIAGRAM OF WHERE HOUSEHOLD DATA ACTUALLY LIVES ACROSS CORE, TRUST, AND BROKERAGE. [Request a data survey](https://www.milemarker.co/contact) You'll leave the call with a map, whether or not you buy anything.