Account & Lending Position Queries
Clients query Lombard loan balances, facility utilisation, interest charges, and available credit. NIVA surfaces account-specific data from your core banking system with appropriate authentication.
AI chatbot for Private Banking
HNW Clients, Advisors & Compliance
NIVA's private banking AI chatbot handles HNW client account queries, lending applications, custody account information, trust and estate queries, and compliance workflows · with the discretion and precision your clients expect.
- No usage-based billing
- Live across 25 industries
- White-label ready
PrivateBot
Private Banking support · online
Good morning. I'm your private banking assistant. I can help with account information, lending enquiries, custody statements, and advisor scheduling. How may I assist?
I'd like an overview of my current lending position and available credit facility.
Your current Lombard loan outstanding is $1,240,000 against a facility limit of $2,000,000 · 62% utilised. Interest is charged at SONIA + 1.45%. Your next review date is September 30th. Shall I arrange a call with your relationship manager to discuss facility extension or restructuring?
Ask PrivateBot anything…
Powered by NIVA
- 10+
- Private Banking Personas
- 24/7
- Client Access
- 0
- Code Required
Built forPrivate BanksWealth Management ArmsFamily Office ServicesHNW Advisory TeamsTrust & Estate Teams
Every HNW Client Interaction · Managed With Precision
NIVA provides the 24/7 information and scheduling layer that HNW clients expect · so your relationship managers focus on strategy and deepening relationships.
Custody & Portfolio Statements
Clients request custody account valuations, transaction histories, consolidated statements, and performance reports through chat · delivered to their secure inbox instantly.
Relationship Manager Scheduling
Clients schedule calls and meetings with named relationship managers through chat · NIVA checks RM availability, confirms the agenda, and sends calendar invites to both parties.
Trust & Estate Queries
Trust beneficiaries and settlors query distributions, trustee reports, and estate administration progress. NIVA answers from approved documentation and escalates complex trust matters to your trust officers.
AML & Compliance Onboarding
New HNW clients complete enhanced due diligence through chat · source of wealth, source of funds, and PEP declarations · reducing onboarding friction for high-value relationships.
Cross-Border & Expatriate Queries
International clients query FATCA/CRS reporting obligations, cross-border regulatory requirements, and multi-jurisdiction account structures through chat · reducing compliance team call volume.
Questions your visitors ask
Examples from live private banking deployments, answered in chat instead of routed to inbox.
“I'd like to gift $250,000 to my children this tax year. What are the tax implications and how do we structure this?”
The annual gift allowance is $3,000 per donor · so $250,000 would be a potentially exempt transfer (PET) for IHT purposes, becoming fully exempt if you survive 7 years. For CGT, gifts at market value may trigger a disposal. Given the size, I'd strongly recommend a conversation with your RM and our estate planning specialist to consider trust structures (e.g. a Bare Trust or Discretionary Trust) that may be more efficient. Shall I schedule a three-way call this week?
Why NIVA
Generic bots answer. NIVA acts.
Generic prompts from scratch
250+ industry personas, ready day one
FAQ replies and deflection
Flows, forms, and real actions
Credits, tokens, and add-ons
Flat pricing, full white-label
Teams already using NIVA
Live in 4 steps
From persona selection to live within your secure private banking portal in under a day. Discretion, precision, and 24/7 availability · exactly what your clients expect.
No-Code Admin
Pick Your Domain
Choose the Private Banking vertical from NIVA's library with industry terminology built in.
Persona Library
Subscribe to Personas
Pick from 10+ pre-built private banking personas. Toggle only the roles you need.
Knowledge + Flows
Add Knowledge & Workflows
Upload policies, manuals, and FAQs as PDFs or URLs into a private knowledge base.
One Script Tag
Embed Anywhere
Drop one script tag on your site. The bot goes live fully branded, no redeploy.
Pre-trained Private Banking personas, ready on day one
Subscribe to expert roles with domain tone and knowledge already built in. Toggle live without prompt engineering.
Account & Lending Bot
Lombard loans, facility, interest, credit
Custody Statement Bot
Valuations, statements, performance
RM Scheduling Bot
Meetings, agenda, calendar sync
Trust & Estate Bot
Distributions, trustee reports, estate
AML & EDD Bot
Source of wealth, PEP, EDD
International Banking Bot
FATCA, CRS, cross-border, expatriate
+ 4 more private banking personas available on your demo
Built for Private Banking, not generic chatbots
Platform capabilities tuned for private banking teams. Compliance standards are listed separately below.
Approved Product Knowledge Base
Upload your product terms, lending criteria, trust structures, and regulatory disclosures. NIVA answers client queries from your approved documentation · never providing regulated advice without RM involvement.
Multi-Factor Authentication Integration
NIVA integrates with your identity provider for biometric, OTP, and knowledge-based authentication · ensuring PHI and financial data are only surfaced after rigorous identity verification.
Onboarding & Review Flow Automation
Build EDD collection flows and annual review preparation sequences. Trigger core banking system updates and compliance file creation automatically at each onboarding milestone.
Core Banking & PMS Integration
NIVA integrates with Avaloq, Temenos T24, Olympic Banking, and custom private banking systems. Client account data, loan positions, and custody valuations are live in every conversation.
HNW Client Onboarding Flow
Trigger
New HNW client referral received
EDD
Source of wealth, PEP, beneficial owners
Compliance
Risk score assigned, approved
Core Banking
Accounts opened, RM notified
Three engines. One private banking bot.
Workflows, smart forms, and multi-persona routing from a single admin dashboard.
Workflow Automation
Flow Engine
Build multi-step automated workflows inside the chat: conditional branching, dynamic forms, persona handoffs, and webhook triggers.
Learn more Smart FormsSmart Form Engine
Define unlimited forms per bot. The AI reads conversation context and surfaces the right form automatically, inline in the widget.
Learn more Multi-Persona AIAgentic Personas
Run multiple AI agents in one widget. The orchestrator routes each message to the right persona automatically.
Learn moreOne script. Live on your site.
Drop a single line before </body> and your private banking bot goes live, fully branded as PrivateBot.
Auto-branded
Your colours, avatar, and bot name in every channel.
Instantly updated
Change personas or flows in admin. No redeploy.
CORS-ready
Website, WhatsApp, and custom domains out of the box.
index.html
<!-- Before </body> -->
<script src="…/widget.js"></script>
✓ Domain: Private Banking
✓ Bot: PrivateBot
✓ Personas: subscribed
✓ Status: Live
ComplianceFCA COBS & CASS RulesMiFID II SuitabilityAML / Enhanced Due DiligenceFATCA / CRS ReportingGDPR / UK GDPRPEP & Sanctions Screening
Ready to Give Your HNW Clients 24/7 Access While Your RMs Focus on Relationships?
Book a 30-minute demo and see NIVA's private banking personas handling account queries, trust questions, and compliance onboarding live.
Common questions
Quick answers before you book a demo.
Yes. NIVA's UHNW configuration provides discreet, accurate information and immediate connection to named relationship managers. It handles the administrative layer · account queries, document requests, scheduling · so RMs focus on strategy and relationship deepening.
Still unsure? Send us your requirements and we will map the right personas for private banking.
Related use cases
See how NIVA handles specific workflows in your space.
Related industries
Explore NIVA for adjacent verticals.