account-transfers
Account Transfers
Purpose
Guide the processing and management of account transfers between financial institutions and within firms. Covers ACAT (Automated Customer Account Transfer) system, non-ACAT transfers, partial transfers, internal journal entries, retirement account rollovers, estate transfers, and transfer tracking. Enables designing and operating transfer processes that are efficient, accurate, and compliant with FINRA and ACATS rules.
Layer
12 — Client Operations (Account Lifecycle & Servicing)
Direction
both
When to Use
- Processing or designing workflows for full or partial ACAT transfers between broker-dealers
- Handling non-ACAT transfers such as mutual fund direct transfers, DTC free deliveries, or physical certificate movements
- Setting up internal journal entries to move assets between accounts within the same firm
- Processing retirement account rollovers (direct, indirect, Roth conversions) and ensuring proper tax reporting
- Managing estate transfers from decedent accounts to beneficiaries or estate accounts
- Tracking transfer status, handling rejections, and managing escalation procedures
- Reconciling assets after transfer completion and processing residual credits or fractional shares
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