Financial Services CloudArchitect (Hardest)householdrelationship-groupsmerge
Design Household merge strategy when clients divorce or separate financial relationships
Real World Scenario
Wealth advisors request Household split after divorce; joint Financial Accounts children accounts and AUM roll-ups must separate without data loss or compliance gaps.
Expected Answer
• Never delete Household—create two Relationship Groups reassign members roles
• Financial Account Role update remove ex-spouse joint owner add individual roles
• AUM roll-up recalculate both households post-split batch job
• Action Plan open items reassign per advisor book legal guidance
• Document split audit trail regulatory examination
• Integration custodian notify account ownership change separate API calls
• Client portal access revoke ex-spouse Experience Cloud user immediately
Follow-Up Questions & Answers
Click to expand — each follow-up includes a direct, interview-ready answer
Direct answer: Never delete Household—create two Relationship Groups reassign members roles Also consider: Financial Account Role update remove ex-spouse joint owner add individual roles In practice: AUM roll-up recalculate both households post-split batch job Document the decision in an ADR and align with enterprise standards.
Architect Perspective
Household split is legal event not delete merge—architect reassignment workflow with compliance sign-off.