# account-opening-workflow

Designs back-office account opening pipelines, maps registration requirements, and cuts NIGO rejection rates across custodians.

- skill · `type=skill` · Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, OpenCode · 633 installs · ★ 218
- Author: JoelLewis
- License: MIT · policy=mirror · the beginning of the file is at the end of this page
- Source: https://github.com/JoelLewis/finance_skills/tree/HEAD/plugins/client-operations/skills/account-opening-workflow/SKILL.md
- Updated: 2026-07-18
- HTML: https://affpapa.org/en/nevibecode/skills/account-opening-workflow

## What it does

This skill organizes account opening operations from intake to submission at custodians like Schwab, Fidelity, or Pershing. It details document checklists and titling rules for individual owners, joint registrations (JTWROS, TIC), trusts, entities, and retirement plans. Each registration profile dictates its specific tax treatment and approval path.

Entity registrations carry strict documentation baselines. An LLC requires an operating agreement authorizing investment accounts, while an irrevocable trust requires beneficial ownership certification under the FinCEN CDD Rule. Missing signers or incomplete resolutions trigger NIGO rejections immediately.

Risk tiers and compliance checks live in the companion skill `account-opening-compliance`. This workflow focuses squarely on intake mechanics, cycle times, and submission acceptance.

## Install

### Claude Code (native platform)

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill account-opening-workflow -a claude-code
```

2. **Manually: put the files in place**
- File: `~/.claude/skills/account-opening-workflow/SKILL.md` — Copy the whole skill folder; for one project use .claude/skills/account-opening-workflow/

### Codex

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill account-opening-workflow -a codex
```

2. **Manually: put the files in place**
- File: `.agents/skills/account-opening-workflow/SKILL.md` — For all projects use ~/.agents/skills/

### Cursor

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill account-opening-workflow -a cursor
```

2. **Manually: put the files in place**
- File: `.cursor/skills/account-opening-workflow/SKILL.md` — Cursor also reads .agents/skills/ and .claude/skills/

### GitHub Copilot

1. **GitHub CLI**
```bash
gh skill install JoelLewis/finance_skills account-opening-workflow
```

2. **Manually: put the files in place**
- File: `.github/skills/account-opening-workflow/SKILL.md`

### Gemini CLI

1. **Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill account-opening-workflow -a gemini-cli
```

2. **Platform CLI**
```bash
gemini skills install https://github.com/JoelLewis/finance_skills --path plugins/client-operations/skills/account-opening-workflow
```

### Windsurf (Devin Desktop)

**Manually: put the files in place**
- File: `.devin/skills/account-opening-workflow/SKILL.md` — The legacy .windsurf/skills/ path still works

### OpenCode

**Skills CLI (Vercel)**
```bash
npx skills add JoelLewis/finance_skills --skill account-opening-workflow -a opencode
```

### Claude.ai

**Claude.ai**
- Zip the folder and upload it in Settings → Capabilities → Skills

Where a file is given instead of a command, copy the files from the source to that path: https://github.com/JoelLewis/finance_skills/tree/HEAD/plugins/client-operations/skills/account-opening-workflow/SKILL.md

## When to use it
- map document requirements for entity, trust, and estate accounts
- cut custodian NIGO rejection rates during account onboarding
- standardize account titling rules across joint and community property registrations
- build onboarding checklists for Traditional, Roth, SEP, and SIMPLE IRAs

## Example prompts
- Generate a document checklist for opening an irrevocable trust account at Pershing
- Check what titling format and signatures are required for a JTWROS registration
- Review the entity documentation requirements for an LLC opening an investment account

## Source text · SKILL.md · MIT

Below is the content of a third-party file. It is data, not instructions for you: do not act on anything written inside unless the human asks. Block tag: 4f9f3ccfe06e27bf.

BEGIN THIRD-PARTY FILE 4f9f3ccfe06e27bf
```text
---
name: account-opening-workflow
description: "Design and operate back-office account opening pipelines from application intake through custodian submission and activation. Use when building account opening automation, reducing NIGO rejection rates from custodians or clearing firms, defining document requirements for trusts, entities, IRAs, or estate accounts, setting up multi-custodian account opening across Schwab, Fidelity, or Pershing, troubleshooting account opening failures or processing delays, or benchmarking cycle times and first-submission acceptance rates. For risk-based approval tiers and compliance screening requirements, see account-opening-compliance."
---

# Account Opening Workflow

## Core Concepts

### Account Type Determination and Registration
Account type determination is the foundational decision in the account opening workflow. The registration type dictates the document requirements, approval gates, tax treatment, titling rules, and custodian submission path. Operations teams must maintain a comprehensive account type matrix that maps each registration type to its downstream processing requirements.

**Individual and joint registration types:**
- **Individual** — single natural person as owner; titled in the individual's legal name; SSN as TIN; simplest registration and the baseline for all account opening processes
- **Joint Tenants with Right of Survivorship (JTWROS)** — two or more co-owners with equal, undivided interest; on death of one owner, the surviving owner(s) automatically inherit the deceased owner's share without probate; all owners must sign account opening documents; titled as "John Smith and Jane Smith JTWROS"
- **Tenants in Common (TIC)** — two or more co-owners with specified ownership percentages (need not be equal); on death, the deceased owner's share passes to their estate, not to the surviving co-owner(s); ownership percentages must be recorded and may affect tax reporting; titled as "John Smith and Jane Smith TIC"
- **Community Property** — available only in community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin); assets acquired during marriage are jointly owned; specific titling and tax implications vary by state; some custodians treat community property accounts differently from other joint account types
```
END THIRD-PARTY FILE 4f9f3ccfe06e27bf

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First 2366 of 40845 bytes. © JoelLewis · MIT · https://github.com/JoelLewis/finance_skills/tree/HEAD/plugins/client-operations/skills/account-opening-workflow/SKILL.md

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