BNY Mellon Wealth Management App – Overview

A sophisticated mobile and web app that offers real-time portfolio insights, interactive financial tools, and secure client-advisor collaboration — all aligned with BNY Mellon’s high-touch service model and global investment capabilities.

Core Features

Portfolio Dashboard

• Real-time snapshot of holdings across accounts, asset classes, and geographies.

• Performance metrics with benchmarks, historical trends, and risk exposure.

• Customizable widgets (e.g., net worth tracker, asset allocation pie chart).

Detailed Holdings & Transactions

• Drill-down views into individual securities, alternatives, and private investments.

• Transaction history and upcoming dividends or capital events.

• Tax-lot level reporting and gain/loss insights.

Interactive Analytics & Planning Tools

• What-if scenario modeling for portfolio rebalancing or market events.

• Retirement or goal-based forecasting.

• ESG scores and impact analysis (aligned with growing sustainable investing demand).

Alerts & Notifications

• Real-time updates on market shifts, portfolio thresholds, or advisor messages.

Custom rules (e.g., alert me if a position drops 5% in a day).

Account Aggregation & Net Worth View

• Link external accounts for a full financial picture.

• Show net worth across bank, brokerage, retirement, and real estate assets.

Personalization & AI Insights

• Smart recommendations based on client profile and goals.

• Behavioral nudges (e.g., rebalancing suggestions or diversification tips).

Security & Compliance

• Biometric login (Face ID/Touch ID).

• End-to-end encryption, role-based access controls, and audit trails.

• Integrated with BNY Mellon’s global compliance and custody infrastructure.

Target Users

• Private banking clients

• Family offices

• Institutional investors with managed portfolios

• Financial advisors and relationship managers

Competitive Edge

• Deep integration with BNY Mellon's proprietary investment platforms and custody systems.

• Combines legacy trust with modern digital expectations.

• White-labeling and modular deployment potential for institutional partners.