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[...] Bibliography BPCE Recruitment, 'The New Challenges Of The Advisor.Ère in Wealth Management'. The Argus of Insurance (2023), 'The Inexorable Growth of Wealth Management Advisors', March 29, 2023. La Presse (2024), 'What is the difference between wealth management, private management and family office?', May 19, 2024. La Tribune (2011), 'Increased Competition in Wealth Management', May 11, 2011. Lexis Nexis (2023), 'KYC Compliance - Who is affected by KYC obligations?', March 15, 2023. Mifassur, 'What are the benefits of the PER (Pension Savings Plan)?' Schildbach, J. and Speyer, B. [...]
[...] This is a technical issue because the client had sold their shares, but they were still on their account. Therefore, it was necessary to make the money from the sale pass through an internal account and declare the sale so that they no longer appear and the money then passes from the internal account to the client's account. Another support mission of the advisor is related to phoning, in order to organize the clients' appointments with their designated advisor. This led me to subsequently prepare appointments with my mentor and the wealth advisor, in order to analyze the commercial synthesis of the client in order to propose products in line with their desires and projects. [...]
[...] This is essentially made up of business leaders, high-income employees (managers, professionals) and retirees. 2. Missions realized during my internship at the Crédit Mutuel The missions I carried out are part of both operations related to retail banking, 'everyday banking' and support for wealth advisors (2.2) 2.1 Activities related to 'everyday banking' My main missions were diverse and varied during this internship, with first of all activities related to 'everyday banking', which concern traditional banking products and services, insurance, or the online banking services offered by Crédit Mutuel: Monabanq. [...]
[...] In addition, the wealth management department of the bank represents the second interlocutor of the client. In fact, the wealth advisor (also known as CPA) performs three types of missions, related to patrimonial issues, namely the request for a patrimonial study to the patrimonial engineer and the request for an investment study from an investment advisor. The wealth management advisor profession must also take into account the new habits and expectations of clients (BPCE Recruitment). The wealth advisor aims to accompany clients in matters of investments and placements, in order to optimize their financial assets, in compliance with banking regulations, issued at the national level by the ACPR (Autority of Prudential Control and Resolution) and the AMF (Authority of Financial Markets). [...]
[...] The combination of these different missions has been a real source of enrichment. Following this training, the upcoming objectives that we have defined with the wealth advisors of my agency are as follows: - Continuing the work of assisting wealth advisors such as preparing appointments, writing reports, summaries and wealth studies. - Acquire a better knowledge of the products offered by our institution; - continue to take appointments with clients by phone for advisors. - develop my commercial skills (selling products offered by our institution to clients) during appointments in pairs with private or individual advisors. [...]
