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01
Background
Context
Alternatives investing is growing and clients increasingly expect a digital-first experience. This is an opportunity to modernize capital call funding into a guided, proactive experience built to scale.
Audience
High-net-worth individual clients with Alternative Investments. The pilot targets a narrower group first — clients with prior trade or transfer activity who are comfortable with digital tools — expanding as adoption proves out.
Goal
Let high-net-worth clients fund and manage capital calls through a seamless self-serve experience that removes the wait on a financial advisor and the risk of a missed deadline.
02
Discovery
How a client hears about an account shortfall today
Online portal
The answer sits several screens deep, and most clients only reach it with an advisor's help.
High-net-worth Client
Individual funding capital calls across several alternative investments.
JTBD
Cover every capital call on time.
Know when an account is short before the due date.
Fund a shortfall quickly when one comes up.
Pain points
Notices are easy to miss.
Funding steps are unclear, with no guidance.
Financial Advisor
Owns the client relationship and keeps their capital calls funded and on track.
JTBD
Keep every client's call funded before the due date.
Catch shortfalls before they overdraft.
Fund on the client's behalf when needed.
Pain points
Too many calls across too many clients.
Cross-checking balances by hand is slow and error-prone.
03
Strategy
Predict shortfalls before the deadline
Each account's projected balance is checked against the upcoming call, so the gap shows up early enough to act on.
Put awareness and action in one place
When a shortfall exists, the client moves straight into a trade or transfer to cover it, with the right account already selected.
Risk
Capital call funding works today, even if manually, so a poorly handled rollout could erode client and advisor trust.
Our call
An opt-in pilot with a narrow, digitally comfortable audience, so we validate before scaling.
04
Considerations
Before designing, I mapped what we didn't own
We don't own the payment screen
It belongs to the commercial banking team. Pre-filling amount there carries compliance risk.
Trade-off
One tap copies the exact amount and redirects the client to the payment screen, answer in hand.
Funding timing isn't consistent
Transfers depend on business days, and some sells only settle same-day if placed before a fund's cut-off.
Clarified upfront
Worked with PM and engineering to pin down every timing scenario.
Living inside a shared module
The Action Center holds many actions, not just capital call funding, so its patterns aren't ours to redefine.
Stay consistent
Follow established patterns rather than bending them for one use case.
05
Design
One card per action, not per account
Capital calls arrive on a rolling basis, so the amount due is broken down by date. Funding the minimum for the nearest call completes that card and moves it to History, and the next call generates a new card as its due date approaches.
Two states, one source of truth
The account summary is calculated from the latest data refresh, showing either a shortfall with trade and transfer options or confirmation that the calls are covered.
Not every trade arrives in time
For calls due today, the screen flags the timing and guides the client to the option that still works.
06
Build
07
Reflection
Follow or create
Take the initiative