If you sell SaaS to wealth managers, robo advisors, asset management firms, or trading technology platforms, your compliance posture determines whether your product survives an SEC exam or a FINRA cause examination.
This is not abstract. SEC exam deficiency letters arrive without warning. FINRA cause examinations demand records within 20 business days. MiFID II best execution reports must trace order routing decisions to the actual execution record. And GIPS verification requires an unbroken chain of custody for every performance data point.
Cloud iPaaS in your product data flow is a compliance liability in every one of these frameworks. Here are five import-ready n8n workflows to automate the compliance work across all seven WealthTech customer tiers.
The 7 WealthTech Customer Tiers
| Tier | Key Compliance | Fastest Clock |
|---|---|---|
| ROBO_ADVISOR_SAAS | Reg BI, Form ADV, Investment Advisers Act | SEC_EXAM_DEFICIENCY_LETTER — IMMEDIATE |
| WEALTH_MGMT_PLATFORM | Reg BI, Form ADV, FINRA Rule 3110 | FINRA_CAUSE_EXAM — IMMEDIATE |
| PORTFOLIO_ANALYTICS_SAAS | Reg SCI, GIPS verification, SOC2 | SEC_REG_SCI_INCIDENT — 24h |
| TRADING_TECHNOLOGY_SAAS | FINRA Rule 3110, Reg SCI, FINRA Rule 4370 BCP | FINRA_CAUSE_EXAM — IMMEDIATE |
| ALTERNATIVE_INVESTMENT_SAAS | Form PF, CFTC swap reporting, SEC Form D | CFTC_SWAP_REPORTING_FAILURE — 24h |
| FAMILY_OFFICE_SAAS | Investment Advisers Act §202, UHNW privacy | REG_BI_SUITABILITY_COMPLAINT — 24h |
| WEALTHTECH_STARTUP | Reg BI, SOC2 | SEC_EXAM_DEFICIENCY_LETTER — IMMEDIATE |
The Cloud iPaaS Problem in WealthTech
Three compliance frameworks create direct exposure for WealthTech vendors who use cloud iPaaS:
SEC Regulation Best Interest (17 CFR Part 240): Reg BI requires that every recommendation be in the client's best interest and that all material conflicts of interest are disclosed in Form ADV Part 2A. Cloud iPaaS routing client portfolio data or order flow is a material third-party relationship. If it is not in your Form ADV, you have a material omission — which is an SEC exam finding.
FINRA Rule 3110 Supervision: Rule 3110 requires supervision of all associated persons and the systems they use to communicate and process orders. Cloud iPaaS in the order lifecycle = unsupervised system = Rule 3110 gap. FINRA cause examiners trace order flow end-to-end and ask about every system in the chain.
MiFID II Best Execution RTS 27: RTS 27 best execution reports must demonstrate that order routing decisions were made without undisclosed conflicts and that execution quality is documented from the actual execution record. Cloud iPaaS in the order flow creates an audit trail that lives on a third-party server — not in your execution record.
Self-hosted n8n inside your supervision boundary closes all three gaps with one architecture decision.
Workflow 1: Tier-Segmented Customer Onboarding Drip
Classifies incoming trials into one of seven WealthTech tiers, assigns compliance flags, and fires tier-specific onboarding emails with Day 0/3/7 content.
The Day 0 email for ROBO_ADVISOR_SAAS explains the Reg BI data egress problem. For TRADING_TECHNOLOGY_SAAS, it covers the FINRA Rule 3110 supervision gap. For WEALTH_MGMT_PLATFORM, Form ADV material omission risk.
{
"name": "WealthTech SaaS \u2014 Tier-Segmented Customer Onboarding Drip",
"nodes": [
{
"id": "1",
"name": "Webhook \u2014 trial_started",
"type": "n8n-nodes-base.webhook",
"parameters": {
"path": "wealthtech-trial-started",
"responseMode": "onReceived"
},
"position": [
0,
0
]
},
{
"id": "2",
"name": "Code \u2014 Tier + Flag Classifier",
"type": "n8n-nodes-base.code",
"parameters": {
"jsCode": "\nconst d = $input.first().json;\nconst firmType = (d.firm_type || '').toLowerCase();\nconst aum = d.aum_usd || 0;\nconst product = (d.product_type || '').toLowerCase();\nconst riaRegistered = d.ria_registered || false;\nconst brokerDealer = d.broker_dealer || false;\nconst swapDealer = d.swap_dealer || false;\nconst intlClients = d.international_clients || false;\n\n// Tier classification\nlet tier = 'WEALTHTECH_STARTUP';\nif (product.includes('robo') || product.includes('automated_advice') || firmType.includes('robo')) tier = 'ROBO_ADVISOR_SAAS';\nelse if (firmType.includes('ria') || riaRegistered || product.includes('portfolio_mgmt') || aum > 1000000000) tier = 'WEALTH_MGMT_PLATFORM';\nelse if (product.includes('analytics') || product.includes('risk_model') || product.includes('factor_model')) tier = 'PORTFOLIO_ANALYTICS_SAAS';\nelse if (product.includes('order_mgmt') || product.includes('execution') || product.includes('oms') || brokerDealer) tier = 'TRADING_TECHNOLOGY_SAAS';\nelse if (product.includes('hedge') || product.includes('private_equity') || product.includes('alternatives') || product.includes('fund_admin')) tier = 'ALTERNATIVE_INVESTMENT_SAAS';\nelse if (firmType.includes('family_office') || product.includes('family_office') || product.includes('consolidated_reporting')) tier = 'FAMILY_OFFICE_SAAS';\nelse if (aum >= 100000000) tier = 'WEALTH_MGMT_PLATFORM';\n\n// Compliance flags\nconst flags = [];\nif (tier === 'ROBO_ADVISOR_SAAS') { flags.push('REG_BI_BEST_INTEREST'); flags.push('FORM_ADV_ANNUAL'); flags.push('INVESTMENT_ADVISERS_ACT_1940'); }\nif (tier === 'WEALTH_MGMT_PLATFORM') { flags.push('REG_BI_BEST_INTEREST'); flags.push('FORM_ADV_ANNUAL'); flags.push('FINRA_3110_SUPERVISION'); }\nif (tier === 'PORTFOLIO_ANALYTICS_SAAS') { flags.push('REG_SCI_APPLICABLE'); flags.push('GIPS_VERIFICATION'); flags.push('SOC2_REQUIRED'); }\nif (tier === 'TRADING_TECHNOLOGY_SAAS') { flags.push('FINRA_3110_SUPERVISION'); flags.push('SEC_REG_SCI'); flags.push('FINRA_RULE_4370_BCP'); }\nif (tier === 'ALTERNATIVE_INVESTMENT_SAAS') { flags.push('FORM_PF_REQUIRED'); flags.push('CFTC_SWAP_REPORTING'); flags.push('SEC_FORM_D'); }\nif (tier === 'FAMILY_OFFICE_SAAS') { flags.push('INVESTMENT_ADVISERS_ACT_SECTION_202'); flags.push('UHNW_CLIENT_PRIVACY'); }\nif (tier === 'WEALTHTECH_STARTUP') { flags.push('REG_BI_BEST_INTEREST'); flags.push('SOC2_REQUIRED'); }\nif (intlClients) flags.push('MIFID_II_BEST_EXECUTION');\nif (swapDealer) flags.push('CFTC_SWAP_DEALER_REGISTRATION');\nif (aum >= 500000000) flags.push('FORM_ADV_ANNUAL');\n\n// Tier-specific Day 0 note\nconst day0Notes = {\n ROBO_ADVISOR_SAAS: 'SEC Regulation Best Interest (17 CFR Part 240) applies to every recommendation your platform generates \u2014 including algorithm-generated recommendations. Cloud iPaaS routing client portfolio data or order flow creates a data egress event outside your Reg BI supervision boundary. If a client suffers harm from a recommendation and their data transited a cloud iPaaS vendor, you have an undisclosed conflict of interest in your Form ADV Part 2. Self-hosted n8n inside your supervision boundary keeps client portfolio data and order flow within your Form ADV-disclosed infrastructure.',\n WEALTH_MGMT_PLATFORM: 'Form ADV Part 2A must disclose all material conflicts of interest, including third-party vendors who touch client portfolio data. Cloud iPaaS used in client-facing workflows = undisclosed material third party = SEC exam finding. FINRA Rule 3110 requires supervision of all associated persons AND the systems they use \u2014 cloud iPaaS in workflow execution = unsupervised system = Rule 3110 gap. Self-hosted n8n means your Form ADV disclosures are accurate and your FINRA supervision perimeter is closed.',\n PORTFOLIO_ANALYTICS_SAAS: 'GIPS (Global Investment Performance Standards) 2020 requires verifiable, unbroken audit trails for all performance data used in composites. Cloud iPaaS in your data pipeline = external data custodian = chain of custody gap = GIPS verification failure. SEC Reg SCI requires market infrastructure vendors to maintain business continuity and notify the SEC within 24 hours of significant system disruptions. Cloud iPaaS = third-party SLA dependency outside your Reg SCI contingency plan.',\n TRADING_TECHNOLOGY_SAAS: 'FINRA Rule 3110 supervision requirements apply to all order management systems and trading technology. Cloud iPaaS routing order flow = unsupervised system in the order lifecycle = FINRA Rule 3110 gap. FINRA Rule 4370 Business Continuity Plan: cloud iPaaS vendor outage = single point of failure in your BCP \u2014 FINRA examiners will ask. SEC Reg SCI: significant system disruptions must be reported within 24 hours. Self-hosted n8n inside your trading infrastructure boundary removes the unsupervised system gap.',\n ALTERNATIVE_INVESTMENT_SAAS: 'Form PF requires large hedge fund advisers to report portfolio data to the SEC within 15 days of fiscal year end \u2014 cloud iPaaS routing Form PF data = SEC-reportable data outside your controlled environment. CFTC Part 45 swap reporting: swap data repositories receive real-time trade data \u2014 cloud iPaaS in the reporting pipeline = potential data integrity gap in CFTC-reportable records. Self-hosted n8n inside your reporting boundary keeps Form PF and CFTC swap data within your disclosed infrastructure.',\n FAMILY_OFFICE_SAAS: 'Family offices serving ultra-high-net-worth clients hold the most sensitive private financial data: estate structures, trust beneficiaries, tax positions, concentrated stock holdings. Cloud iPaaS routing this data = third-party data custodian = client privacy breach risk and potential fiduciary obligation gap. Investment Advisers Act \u00a7202 exemptions (family office rule) may not apply if your product routes client data through undisclosed third parties. Self-hosted n8n means client financial data stays within the family office privacy boundary.',\n WEALTHTECH_STARTUP: 'Reg BI applies from day one if your platform makes investment recommendations. Form ADV Part 2A disclosure is required before you take your first client. Cloud iPaaS in your product = third-party vendor that touches client data = material third party that must be disclosed in Form ADV. Start with self-hosted n8n to keep your Form ADV disclosure obligations clean and your Reg BI supervision boundary closed as you scale.'\n};\n\nreturn [{json: {\n ...d,\n tier,\n flags,\n day0_compliance_note: day0Notes[tier] || day0Notes.WEALTHTECH_STARTUP\n}}];\n"
},
"position": [
250,
0
]
},
{
"id": "3",
"name": "Sheets \u2014 Log Trial",
"type": "n8n-nodes-base.googleSheets",
"parameters": {
"operation": "appendOrUpdate",
"documentId": "YOUR_SHEET_ID",
"sheetName": "trials",
"dataMode": "autoMapInputData"
},
"position": [
500,
0
]
},
{
"id": "4",
"name": "Gmail \u2014 Day 0 Welcome",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "={{ $json.email }}",
"subject": "Welcome to {{ $json.product_name }} \u2014 your WealthTech compliance automation setup",
"emailType": "html",
"message": "={{ '<p>Hi ' + $json.first_name + ',</p><p>You are now on the ' + $json.plan + ' trial.</p><p><strong>Compliance Note:</strong> ' + $json.day0_compliance_note + '</p><p>Your onboarding checklist is ready. Reply to this email with any questions.</p>' }}"
},
"position": [
750,
0
]
},
{
"id": "5",
"name": "Wait \u2014 3 days",
"type": "n8n-nodes-base.wait",
"parameters": {
"amount": 3,
"unit": "days"
},
"position": [
1000,
0
]
},
{
"id": "6",
"name": "Gmail \u2014 Day 3 Reg BI Deep Dive",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "={{ $json.email }}",
"subject": "The Reg BI question your SEC examiner will ask about your data flows",
"emailType": "html",
"message": "<p>SEC examiners examine Form ADV Part 2A disclosures and then trace your actual data flows. If client portfolio data or order flow transits a cloud iPaaS vendor not disclosed in your Form ADV, you have a material omission. FINRA Rule 3110 examiners trace order lifecycle \u2014 any unsupervised system in the chain is a finding. n8n self-hosted inside your supervision boundary closes both gaps with a single architecture decision.</p>"
},
"position": [
1250,
0
]
},
{
"id": "7",
"name": "Wait \u2014 4 days",
"type": "n8n-nodes-base.wait",
"parameters": {
"amount": 4,
"unit": "days"
},
"position": [
1500,
0
]
},
{
"id": "8",
"name": "Gmail \u2014 Day 7 GIPS/MiFID Pitch",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "={{ $json.email }}",
"subject": "GIPS audit trail + MiFID II best execution checklist before your trial ends",
"emailType": "html",
"message": "<p>Before your trial ends: export your workflow JSON and review the GIPS audit trail checklist. GIPS 2020 requires unbroken chain of custody for performance data. MiFID II RTS 27 best execution reports must demonstrate that order routing decisions were made without undisclosed conflicts. Download the WealthTech compliance architecture guide and schedule a 15-min deployment review.</p>"
},
"position": [
1750,
0
]
}
],
"connections": {
"Webhook \u2014 trial_started": {
"main": [
[
{
"node": "Code \u2014 Tier + Flag Classifier",
"type": "main",
"index": 0
}
]
]
},
"Code \u2014 Tier + Flag Classifier": {
"main": [
[
{
"node": "Sheets \u2014 Log Trial",
"type": "main",
"index": 0
}
]
]
},
"Sheets \u2014 Log Trial": {
"main": [
[
{
"node": "Gmail \u2014 Day 0 Welcome",
"type": "main",
"index": 0
}
]
]
},
"Gmail \u2014 Day 0 Welcome": {
"main": [
[
{
"node": "Wait \u2014 3 days",
"type": "main",
"index": 0
}
]
]
},
"Wait \u2014 3 days": {
"main": [
[
{
"node": "Gmail \u2014 Day 3 Reg BI Deep Dive",
"type": "main",
"index": 0
}
]
]
},
"Gmail \u2014 Day 3 Reg BI Deep Dive": {
"main": [
[
{
"node": "Wait \u2014 4 days",
"type": "main",
"index": 0
}
]
]
},
"Wait \u2014 4 days": {
"main": [
[
{
"node": "Gmail \u2014 Day 8 GIPS/MiFID Pitch",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 2: SEC/FINRA/MiFID II/CFTC Compliance Deadline Tracker
Reads a Google Sheet of compliance deadlines, classifies urgency by type, and fires alerts with specific action instructions.
12 deadline types tracked:
| Deadline | Clock | Consequence |
|---|---|---|
| SEC_EXAM_DEFICIENCY_LETTER | IMMEDIATE | SEC enforcement referral if not responded |
| FINRA_CAUSE_EXAM | IMMEDIATE | FINRA enforcement, record destruction risk |
| FORM_ADV_ANNUAL | 30d warning | RIA regulatory violation, SEC exam finding |
| FINRA_3110_SUPERVISION_REVIEW | 30d warning | FINRA Rule 3110 gap = examiner finding |
| MIFID_II_RTS27_BEST_EXECUTION | 30d warning | FCA/BaFin/AMF enforcement |
| CFTC_SWAP_REPORTING_SDR | 7d warning | Up to $1M/violation/day |
| FORM_PF_ANNUAL | 30d warning | SEC systemic risk data failure |
| GIPS_VERIFICATION_ANNUAL | 60d warning | GIPS composite decertification |
| SEC_REG_SCI_INCIDENT_24H | 1d warning | SEC Form SCI filing required |
| FINRA_BCP_ANNUAL_REVIEW | 30d warning | FINRA Rule 4370 BCP gap |
| SOC2_TYPE2_RENEWAL | 60d warning | Enterprise client procurement block |
| ANNUAL_PENTEST | 30d warning | Regulatory and insurance compliance |
{
"name": "WealthTech SaaS \u2014 SEC/FINRA/MiFID II/CFTC Compliance Deadline Tracker",
"nodes": [
{
"id": "1",
"name": "Schedule \u2014 Daily 8AM",
"type": "n8n-nodes-base.scheduleTrigger",
"parameters": {
"rule": {
"interval": [
{
"field": "cronExpression",
"expression": "0 8 * * *"
}
]
}
},
"position": [
0,
0
]
},
{
"id": "2",
"name": "Sheets \u2014 Read Deadlines",
"type": "n8n-nodes-base.googleSheets",
"parameters": {
"operation": "read",
"documentId": "YOUR_SHEET_ID",
"sheetName": "compliance_deadlines"
},
"position": [
250,
0
]
},
{
"id": "3",
"name": "Code \u2014 Urgency Classifier",
"type": "n8n-nodes-base.code",
"parameters": {
"jsCode": "\nconst today = new Date();\nconst urgent = [];\nfor (const row of $input.all()) {\n const d = row.json;\n const due = new Date(d.due_date);\n const days = Math.ceil((due - today) / 86400000);\n let level = 'OK';\n let action = '';\n\n if (d.deadline_type === 'SEC_EXAM_DEFICIENCY_LETTER') {\n level = 'IMMEDIATE'; action = 'SEC exam deficiency letter received \u2014 response required immediately. Typical response window: 30 days. Engage securities counsel. Document remediation steps. Failure to respond timely = enforcement referral. Review all Form ADV disclosures for accuracy now.';\n } else if (d.deadline_type === 'FINRA_CAUSE_EXAM') {\n level = 'IMMEDIATE'; action = 'FINRA cause examination initiated \u2014 document requests due per FINRA letter timeline (typically 20 business days). Engage FINRA regulatory counsel. Preserve all records including order flow data, supervisory review records, and communications. Rule 3110 supervision records are primary focus.';\n } else if (d.deadline_type === 'FORM_ADV_ANNUAL' && days <= 30) {\n level = days <= 7 ? 'URGENT' : 'WARNING'; action = `Form ADV annual amendment due in ${days}d. RIA must file within 90 days of fiscal year end via IARD. Review all material changes to advisory business, conflicts of interest, and third-party vendor disclosures. Cloud iPaaS not disclosed in Form ADV = material omission.`;\n } else if (d.deadline_type === 'FINRA_3110_SUPERVISION_REVIEW' && days <= 30) {\n level = days <= 14 ? 'URGENT' : 'WARNING'; action = `FINRA Rule 3110 annual supervision review in ${days}d. Document all supervisory procedures, review logs, exception reports. Order flow supervision records must show every system in the order lifecycle. Unsupervised systems = finding.`;\n } else if (d.deadline_type === 'MIFID_II_RTS27_BEST_EXECUTION' && days <= 30) {\n level = days <= 14 ? 'URGENT' : 'WARNING'; action = `MiFID II RTS 27 best execution report due in ${days}d. Quarterly report must document top 5 execution venues, execution quality metrics, and conflict-of-interest analysis. Data must be sourced from the actual execution record \u2014 third-party iPaaS in the order flow = audit trail gap.`;\n } else if (d.deadline_type === 'CFTC_SWAP_REPORTING_SDR' && days <= 7) {\n level = 'URGENT'; action = `CFTC Part 45 swap data repository report due in ${days}d. Real-time reporting required for swap trades \u2014 T+1 for some instruments. Cloud iPaaS in reporting pipeline = potential data integrity gap in CFTC-reportable records. SDR submission failure = CFTC enforcement.`;\n } else if (d.deadline_type === 'FORM_PF_ANNUAL' && days <= 30) {\n level = days <= 14 ? 'URGENT' : 'WARNING'; action = `Form PF annual filing due in ${days}d. Large advisers: within 15 days of fiscal year end. Systemic risk data for hedge funds and private equity must be accurate. Cloud iPaaS routing portfolio data outside your controlled environment = data integrity risk.`;\n } else if (d.deadline_type === 'GIPS_VERIFICATION_ANNUAL' && days <= 60) {\n level = days <= 30 ? 'URGENT' : 'WARNING'; action = `GIPS verification engagement due in ${days}d. Independent verifier will trace composite data from source to report. Any chain of custody gap \u2014 including cloud iPaaS in the data pipeline \u2014 = verification failure. Prepare audit trail documentation.`;\n } else if (d.deadline_type === 'SEC_REG_SCI_INCIDENT_24H' && days <= 1) {\n level = 'URGENT'; action = 'SEC Reg SCI: material systems disruption must be reported within 24 hours. File Form SCI within 24h. Follow-up report within 5 business days. Affected market participants must be notified. Cloud iPaaS outage = potential Reg SCI trigger.';\n } else if (d.deadline_type === 'FINRA_BCP_ANNUAL_REVIEW' && days <= 30) {\n level = days <= 14 ? 'URGENT' : 'WARNING'; action = `FINRA Rule 4370 BCP annual review in ${days}d. Business continuity plan must address cloud vendor outage scenarios. FINRA examiners will ask about third-party dependencies in the order lifecycle. Update vendor risk register.`;\n } else if (d.deadline_type === 'SOC2_TYPE2_RENEWAL' && days <= 60) {\n level = days <= 30 ? 'URGENT' : 'WARNING'; action = `SOC2 Type 2 audit renewal in ${days}d. Enterprise wealth management clients require current SOC2 report. Verify that all vendor subprocessors are within SOC2 scope. Cloud iPaaS = additional subprocessor = additional audit scope.`;\n } else if (d.deadline_type === 'ANNUAL_PENTEST' && days <= 30) {\n level = days <= 14 ? 'URGENT' : 'WARNING'; action = `Annual penetration test in ${days}d. Financial services regulators expect annual pen test. Scope must include all systems that touch client portfolio data or order flow. Cloud iPaaS in scope = vendor coordination required.`;\n } else {\n continue;\n }\n if (level !== 'OK') urgent.push({...d, urgency: level, action, days_remaining: days});\n}\nreturn urgent.map(u => ({json: u}));\n"
},
"position": [
500,
0
]
},
{
"id": "4",
"name": "Gmail \u2014 Deadline Alert",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "={{ $json.owner_email }}",
"subject": "={{ '[' + $json.urgency + '] ' + $json.deadline_type + ' \u2014 ' + $json.days_remaining + ' days' }}",
"emailType": "html",
"message": "={{ '<p><strong>Customer:</strong> ' + $json.customer_name + '</p><p><strong>Deadline:</strong> ' + $json.due_date + ' (' + $json.days_remaining + ' days)</p><p><strong>Action:</strong> ' + $json.action + '</p>' }}"
},
"position": [
750,
0
]
}
],
"connections": {
"Schedule \u2014 Daily 8AM": {
"main": [
[
{
"node": "Sheets \u2014 Read Deadlines",
"type": "main",
"index": 0
}
]
]
},
"Sheets \u2014 Read Deadlines": {
"main": [
[
{
"node": "Code \u2014 Urgency Classifier",
"type": "main",
"index": 0
}
]
]
},
"Code \u2014 Urgency Classifier": {
"main": [
[
{
"node": "Gmail \u2014 Deadline Alert",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 3: Financial Compliance API Health Monitor
Pings five financial compliance APIs every 30 minutes. Deduplicates alerts using $getWorkflowStaticData. Only fires when an endpoint has been down for more than an hour.
5 endpoints monitored:
| Endpoint | Compliance Implication |
|---|---|
| SEC EDGAR API | Form ADV filing and disclosure data |
| FINRA BrokerCheck | Rule 3110 supervision registry |
| CFTC Swap Data | Part 45 SDR reporting source |
| CFA GIPS Registry | GIPS claim of compliance verification |
| ESMA MiFID II Register | Best execution venue authorization |
{
"name": "WealthTech SaaS \u2014 Financial Compliance API Health Monitor",
"nodes": [
{
"id": "1",
"name": "Schedule \u2014 Every 30min",
"type": "n8n-nodes-base.scheduleTrigger",
"parameters": {
"rule": {
"interval": [
{
"field": "cronExpression",
"expression": "*/30 * * * *"
}
]
}
},
"position": [
0,
0
]
},
{
"id": "2",
"name": "HTTP \u2014 SEC EDGAR API",
"type": "n8n-nodes-base.httpRequest",
"parameters": {
"url": "https://efts.sec.gov/LATEST/search-index?q=%22Form+ADV%22&dateRange=custom&startdt=2024-01-01&enddt=2024-01-02&hits.hits.total.value=1",
"method": "GET",
"timeout": 10000
},
"position": [
0,
200
]
},
{
"id": "3",
"name": "HTTP \u2014 FINRA BrokerCheck API",
"type": "n8n-nodes-base.httpRequest",
"parameters": {
"url": "https://api.brokercheck.finra.org/search/firm?query=test&hl=true&includePrevious=true&nrows=1&start=0&r=1000&bd=false&ind=false",
"method": "GET",
"timeout": 10000
},
"position": [
0,
400
]
},
{
"id": "4",
"name": "HTTP \u2014 CFTC Swap Data",
"type": "n8n-nodes-base.httpRequest",
"parameters": {
"url": "https://www.cftc.gov/sites/default/files/idc/groups/public/@commitmentsoftraders/documents/file/dea_fut_txt_2024.zip",
"method": "HEAD",
"timeout": 10000
},
"position": [
0,
600
]
},
{
"id": "5",
"name": "HTTP \u2014 Bloomberg GIPS Registry",
"type": "n8n-nodes-base.httpRequest",
"parameters": {
"url": "https://www.cfainstitute.org/en/ethics-standards/codes/gips-standards/claim-of-compliance",
"method": "GET",
"timeout": 10000
},
"position": [
0,
800
]
},
{
"id": "6",
"name": "HTTP \u2014 MiFID II ESMA Register",
"type": "n8n-nodes-base.httpRequest",
"parameters": {
"url": "https://registers.esma.europa.eu/publication/searchRegister?core=esma_registers_iif",
"method": "GET",
"timeout": 10000
},
"position": [
0,
1000
]
},
{
"id": "7",
"name": "Code \u2014 Status Aggregator",
"type": "n8n-nodes-base.code",
"parameters": {
"jsCode": "\nconst seen = $getWorkflowStaticData('global');\nif (!seen.last_alert_ts) seen.last_alert_ts = {};\nconst results = [];\nconst endpoints = [\n { name: 'sec_edgar', label: 'SEC EDGAR API \u2014 Form ADV filing and disclosure data', data: $('HTTP \u2014 SEC EDGAR API').first().json },\n { name: 'finra_brokercheck', label: 'FINRA BrokerCheck \u2014 Rule 3110 supervision registry', data: $('HTTP \u2014 FINRA BrokerCheck API').first().json },\n { name: 'cftc_swap_data', label: 'CFTC Swap Data \u2014 Part 45 SDR reporting source', data: $('HTTP \u2014 CFTC Swap Data').first().json },\n { name: 'gips_registry', label: 'CFA GIPS Registry \u2014 GIPS claim of compliance verification', data: $('HTTP \u2014 Bloomberg GIPS Registry').first().json },\n { name: 'esma_mifid', label: 'ESMA MiFID II Register \u2014 best execution venue authorization', data: $('HTTP \u2014 MiFID II ESMA Register').first().json }\n];\nconst now = Date.now();\nfor (const ep of endpoints) {\n const isDown = !ep.data || ep.data.error;\n if (isDown) {\n const lastAlert = seen.last_alert_ts[ep.name] || 0;\n if (now - lastAlert > 3600000) {\n seen.last_alert_ts[ep.name] = now;\n results.push({json: {endpoint: ep.name, label: ep.label, status: 'DOWN', ts: new Date().toISOString()}});\n }\n } else {\n seen.last_alert_ts[ep.name] = 0;\n }\n}\nreturn results.length ? results : [{json: {status: 'ALL_OK', ts: new Date().toISOString()}}];\n"
},
"position": [
250,
600
]
},
{
"id": "8",
"name": "IF \u2014 Any Down?",
"type": "n8n-nodes-base.if",
"parameters": {
"conditions": {
"string": [
{
"value1": "={{ $json.status }}",
"operation": "notEqual",
"value2": "ALL_OK"
}
]
}
},
"position": [
500,
600
]
},
{
"id": "9",
"name": "Gmail \u2014 API Alert",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "cco@yourdomain.com",
"subject": "={{ '[WealthTech API DOWN] ' + $json.endpoint }}",
"emailType": "html",
"message": "={{ '<p><strong>' + $json.label + '</strong> is DOWN as of ' + $json.ts + '.</p><p>WealthTech compliance workflows depending on this API may be impaired. Review FINRA/SEC reporting obligations for time-sensitive deadlines.</p>' }}"
},
"position": [
750,
500
]
}
],
"connections": {
"Schedule \u2014 Every 30min": {
"main": [
[
{
"node": "HTTP \u2014 SEC EDGAR API",
"type": "main",
"index": 0
},
{
"node": "HTTP \u2014 FINRA BrokerCheck API",
"type": "main",
"index": 0
},
{
"node": "HTTP \u2014 CFTC Swap Data",
"type": "main",
"index": 0
},
{
"node": "HTTP \u2014 Bloomberg GIPS Registry",
"type": "main",
"index": 0
},
{
"node": "HTTP \u2014 MiFID II ESMA Register",
"type": "main",
"index": 0
}
]
]
},
"HTTP \u2014 SEC EDGAR API": {
"main": [
[
{
"node": "Code \u2014 Status Aggregator",
"type": "main",
"index": 0
}
]
]
},
"HTTP \u2014 FINRA BrokerCheck API": {
"main": [
[
{
"node": "Code \u2014 Status Aggregator",
"type": "main",
"index": 0
}
]
]
},
"HTTP \u2014 CFTC Swap Data": {
"main": [
[
{
"node": "Code \u2014 Status Aggregator",
"type": "main",
"index": 0
}
]
]
},
"HTTP \u2014 Bloomberg GIPS Registry": {
"main": [
[
{
"node": "Code \u2014 Status Aggregator",
"type": "main",
"index": 0
}
]
]
},
"HTTP \u2014 MiFID II ESMA Register": {
"main": [
[
{
"node": "Code \u2014 Status Aggregator",
"type": "main",
"index": 0
}
]
]
},
"Code \u2014 Status Aggregator": {
"main": [
[
{
"node": "IF \u2014 Any Down?",
"type": "main",
"index": 0
}
]
]
},
"IF \u2014 Any Down?": {
"main": [
[
{
"node": "Gmail \u2014 API Alert",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 4: Financial Compliance Incident Pipeline
POST to /wealthtech-incident with incident_type and get routed, prioritized, logged, and alerted within seconds.
8 incident types — fastest clocks first:
| Incident Type | Priority | SLA | Required Action |
|---|---|---|---|
| SEC_EXAM_DEFICIENCY_LETTER | P0 | IMMEDIATE | Securities counsel, 30d response window |
| FINRA_CAUSE_EXAM | P0 | IMMEDIATE | Document hold, regulatory counsel, 20 business days |
| REG_BI_SUITABILITY_COMPLAINT | P1 | 24h | FINRA Rule 4530 complaint log, compliance review |
| MIFID_II_AUDIT_REQUEST | P1 | 48h | RTS 27 reports, execution record documentation |
| CFTC_SWAP_REPORTING_FAILURE | P1 | 24h | Corrected SDR submission, root cause doc |
| FORM_ADV_MATERIAL_CHANGE | P1 | 24h | Prompt amendment via IARD |
| GIPS_COMPOSITE_DISCREPANCY | P2 | 72h | Halt reporting, trace data lineage |
| GENERAL_FINANCIAL_INCIDENT | P2 | 72h | BCP response, check notification triggers |
{
"name": "WealthTech SaaS \u2014 Financial Compliance Incident Pipeline",
"nodes": [
{
"id": "1",
"name": "Webhook \u2014 incident_reported",
"type": "n8n-nodes-base.webhook",
"parameters": {
"path": "wealthtech-incident",
"responseMode": "onReceived"
},
"position": [
0,
0
]
},
{
"id": "2",
"name": "Code \u2014 Incident Classifier",
"type": "n8n-nodes-base.code",
"parameters": {
"jsCode": "\nconst d = $input.first().json;\nconst type = (d.incident_type || '').toUpperCase();\n\nconst routing = {\n SEC_EXAM_DEFICIENCY_LETTER: { priority: 'P0', sla_hours: 0, label: 'SEC_EXAM_DEFICIENCY_LETTER \u2014 IMMEDIATE', action: 'SEC exam deficiency letter received. Engage securities counsel immediately. Response typically due within 30 days of letter date \u2014 check letter for exact deadline. Review all Form ADV disclosures, third-party vendor list, and conflict-of-interest policies. Cloud iPaaS not in Form ADV = material omission finding.' },\n FINRA_CAUSE_EXAM: { priority: 'P0', sla_hours: 0, label: 'FINRA_CAUSE_EXAM \u2014 IMMEDIATE', action: 'FINRA cause examination initiated. Preserve all records immediately \u2014 document hold required. Engage FINRA regulatory counsel. Document requests typically due within 20 business days of letter. FINRA Rule 3110 supervision records, order flow data, and communications are primary targets.' },\n REG_BI_SUITABILITY_COMPLAINT: { priority: 'P1', sla_hours: 24, label: 'REG_BI_SUITABILITY_COMPLAINT \u2014 24h', action: 'Reg BI suitability complaint: document complaint in CRM within 24h per FINRA Rule 4530. Engage compliance officer. If complaint alleges cloud data egress contributed to harm, document your Form ADV disclosures and data flow architecture immediately.' },\n MIFID_II_AUDIT_REQUEST: { priority: 'P1', sla_hours: 48, label: 'MIFID_II_AUDIT_REQUEST \u2014 48h', action: 'MiFID II audit request from competent authority (FCA/BaFin/AMF). Locate all RTS 27 best execution reports for the period requested. Demonstrate that order routing data is from the actual execution record \u2014 not reconstructed from a third-party iPaaS log.' },\n CFTC_SWAP_REPORTING_FAILURE: { priority: 'P1', sla_hours: 24, label: 'CFTC_SWAP_REPORTING_FAILURE \u2014 24h', action: 'CFTC Part 45 swap reporting failure. File corrected submission to SDR within 24h if possible. Document root cause \u2014 if cloud iPaaS data integrity issue caused the gap, that is a reportable finding. CFTC enforcement for reporting failures: up to $1M per violation per day.' },\n FORM_ADV_MATERIAL_CHANGE: { priority: 'P1', sla_hours: 24, label: 'FORM_ADV_MATERIAL_CHANGE \u2014 24h prompt', action: 'Form ADV material change: promptly amend via IARD within 24h of material change per Investment Advisers Act Rule 204-1. If change relates to third-party vendor or cloud service touching client data, update Part 2A Item 9 disclosures.' },\n GIPS_COMPOSITE_DISCREPANCY: { priority: 'P2', sla_hours: 72, label: 'GIPS_COMPOSITE_DISCREPANCY \u2014 72h', action: 'GIPS composite discrepancy detected. Halt performance reporting for affected composites. Trace data lineage from source to composite \u2014 identify all systems in the chain including cloud iPaaS. Document chain of custody gap. Notify GIPS verifier if annual verification is in progress.' },\n GENERAL_FINANCIAL_INCIDENT: { priority: 'P2', sla_hours: 72, label: 'GENERAL_FINANCIAL_INCIDENT \u2014 72h', action: 'Standard financial services incident response. Document, triage, remediate per firm BCP. Check if incident triggers any SEC/FINRA/CFTC/MiFID II specific notification obligations.' }\n};\n\nconst r = routing[type] || routing.GENERAL_FINANCIAL_INCIDENT;\nconst slaDue = new Date(Date.now() + r.sla_hours * 3600000).toISOString();\n\nreturn [{json: {\n ...d,\n priority: r.priority,\n sla_hours: r.sla_hours,\n sla_due: slaDue,\n incident_label: r.label,\n action_required: r.action,\n incident_id: 'WEALTH-' + Date.now()\n}}];\n"
},
"position": [
250,
0
]
},
{
"id": "3",
"name": "Sheets \u2014 Log Incident",
"type": "n8n-nodes-base.googleSheets",
"parameters": {
"operation": "appendOrUpdate",
"documentId": "YOUR_SHEET_ID",
"sheetName": "incidents",
"dataMode": "autoMapInputData"
},
"position": [
500,
0
]
},
{
"id": "4",
"name": "Gmail \u2014 Incident Alert",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "cco@yourdomain.com",
"cc": "ceo@yourdomain.com",
"subject": "={{ '[' + $json.priority + '] ' + $json.incident_label }}",
"emailType": "html",
"message": "={{ '<p><strong>Incident ID:</strong> ' + $json.incident_id + '</p><p><strong>SLA Due:</strong> ' + $json.sla_due + ' (' + $json.sla_hours + 'h)</p><p><strong>Action:</strong> ' + $json.action_required + '</p><p><strong>Customer:</strong> ' + ($json.customer_name || 'N/A') + '</p>' }}"
},
"position": [
750,
0
]
}
],
"connections": {
"Webhook \u2014 incident_reported": {
"main": [
[
{
"node": "Code \u2014 Incident Classifier",
"type": "main",
"index": 0
}
]
]
},
"Code \u2014 Incident Classifier": {
"main": [
[
{
"node": "Sheets \u2014 Log Incident",
"type": "main",
"index": 0
}
]
]
},
"Sheets \u2014 Log Incident": {
"main": [
[
{
"node": "Gmail \u2014 Incident Alert",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 5: Weekly WealthTech KPI Dashboard
Every Monday at 8AM: pulls metrics from Google Sheets, computes MRR WoW%, segments by customer tier, surfaces open SEC/FINRA/CFTC exam findings and upcoming deadline counts. Email to CEO + CRO, BCC CCO.
{
"name": "WealthTech SaaS \u2014 Weekly KPI Dashboard",
"nodes": [
{
"id": "1",
"name": "Schedule \u2014 Monday 8AM",
"type": "n8n-nodes-base.scheduleTrigger",
"parameters": {
"rule": {
"interval": [
{
"field": "cronExpression",
"expression": "0 8 * * 1"
}
]
}
},
"position": [
0,
0
]
},
{
"id": "2",
"name": "Sheets \u2014 Read Metrics",
"type": "n8n-nodes-base.googleSheets",
"parameters": {
"operation": "read",
"documentId": "YOUR_SHEET_ID",
"sheetName": "kpi_weekly"
},
"position": [
250,
0
]
},
{
"id": "3",
"name": "Code \u2014 KPI Builder",
"type": "n8n-nodes-base.code",
"parameters": {
"jsCode": "\nconst rows = $input.all().map(r => r.json);\nconst latest = rows[rows.length - 1] || {};\nconst prev = rows[rows.length - 2] || {};\n\nconst pct = (a, b) => b ? (((a - b) / b) * 100).toFixed(1) + '%' : 'N/A';\n\nconst mrr = latest.mrr_usd || 0;\nconst mrrPrev = prev.mrr_usd || 0;\n\nreturn [{json: {\n week: latest.week_ending || new Date().toISOString().slice(0,10),\n mrr: '$' + mrr.toLocaleString(),\n mrr_wow: pct(mrr, mrrPrev),\n robo_advisor_customers: latest.robo_advisor_customers || 0,\n wealth_mgmt_customers: latest.wealth_mgmt_customers || 0,\n portfolio_analytics_customers: latest.portfolio_analytics_customers || 0,\n trading_tech_customers: latest.trading_tech_customers || 0,\n alt_investment_customers: latest.alt_investment_customers || 0,\n family_office_customers: latest.family_office_customers || 0,\n reg_bi_compliant_customers: latest.reg_bi_compliant || 0,\n form_adv_filed_customers: latest.form_adv_filed || 0,\n finra_supervised_customers: latest.finra_supervised || 0,\n mifid_ii_customers: latest.mifid_ii_customers || 0,\n open_sec_exams: latest.open_sec_exams || 0,\n open_finra_exams: latest.open_finra_exams || 0,\n open_cftc_findings: latest.open_cftc_findings || 0,\n gips_verification_due_60d: latest.gips_verification_due_60d || 0,\n form_adv_due_30d: latest.form_adv_due_30d || 0,\n mifid_rts27_due_30d: latest.mifid_rts27_due_30d || 0\n}}];\n"
},
"position": [
500,
0
]
},
{
"id": "4",
"name": "Gmail \u2014 Weekly KPI",
"type": "n8n-nodes-base.gmail",
"parameters": {
"operation": "send",
"toEmail": "ceo@yourdomain.com",
"cc": "cro@yourdomain.com",
"bcc": "cco@yourdomain.com",
"subject": "={{ 'WealthTech Weekly KPI \u2014 ' + $json.week + ' | MRR ' + $json.mrr + ' (' + $json.mrr_wow + ')' }}",
"emailType": "html",
"message": "={{ '<h2>WealthTech SaaS Weekly KPI \u2014 ' + $json.week + '</h2><table border=1 cellpadding=6><tr><td>MRR</td><td>' + $json.mrr + ' (' + $json.mrr_wow + ' WoW)</td></tr><tr><td>Robo Advisor Customers</td><td>' + $json.robo_advisor_customers + '</td></tr><tr><td>Wealth Mgmt Platform Customers</td><td>' + $json.wealth_mgmt_customers + '</td></tr><tr><td>Portfolio Analytics Customers</td><td>' + $json.portfolio_analytics_customers + '</td></tr><tr><td>Trading Technology Customers</td><td>' + $json.trading_tech_customers + '</td></tr><tr><td>Alt Investment Customers</td><td>' + $json.alt_investment_customers + '</td></tr><tr><td>Family Office Customers</td><td>' + $json.family_office_customers + '</td></tr><tr><td>Reg BI Compliant Customers</td><td>' + $json.reg_bi_compliant_customers + '</td></tr><tr><td>Form ADV Filed</td><td>' + $json.form_adv_filed_customers + '</td></tr><tr><td>FINRA Supervised</td><td>' + $json.finra_supervised_customers + '</td></tr><tr><td>MiFID II Customers</td><td>' + $json.mifid_ii_customers + '</td></tr><tr><td colspan=2><strong>Open Regulatory Issues</strong></td></tr><tr><td>SEC Exams Open</td><td>' + $json.open_sec_exams + '</td></tr><tr><td>FINRA Exams Open</td><td>' + $json.open_finra_exams + '</td></tr><tr><td>CFTC Findings Open</td><td>' + $json.open_cftc_findings + '</td></tr><tr><td>GIPS Verification Due 60d</td><td>' + $json.gips_verification_due_60d + '</td></tr><tr><td>Form ADV Due 30d</td><td>' + $json.form_adv_due_30d + '</td></tr><tr><td>MiFID RTS 27 Due 30d</td><td>' + $json.mifid_rts27_due_30d + '</td></tr></table>' }}"
},
"position": [
750,
0
]
}
],
"connections": {
"Schedule \u2014 Monday 8AM": {
"main": [
[
{
"node": "Sheets \u2014 Read Metrics",
"type": "main",
"index": 0
}
]
]
},
"Sheets \u2014 Read Metrics": {
"main": [
[
{
"node": "Code \u2014 KPI Builder",
"type": "main",
"index": 0
}
]
]
},
"Code \u2014 KPI Builder": {
"main": [
[
{
"node": "Gmail \u2014 Weekly KPI",
"type": "main",
"index": 0
}
]
]
}
}
}
Why Self-Hosting Wins for WealthTech
| Framework | Cloud iPaaS Problem | Self-Hosted n8n Solution |
|---|---|---|
| SEC Reg BI | Client portfolio data in cloud iPaaS = material third party not in Form ADV = exam finding | Self-hosted inside supervision boundary = no undisclosed material third party |
| FINRA Rule 3110 | Cloud iPaaS in order lifecycle = unsupervised system = Rule 3110 gap | Self-hosted = every system in the order chain is in your supervision perimeter |
| MiFID II RTS 27 | Cloud iPaaS stores execution audit trail on third-party server = audit trail gap | Self-hosted = execution log in your infrastructure = clean RTS 27 documentation |
| CFTC Part 45 | Cloud iPaaS in swap reporting pipeline = data integrity risk for SDR submissions | Self-hosted = swap data integrity maintained within your reporting boundary |
| GIPS 2020 | Cloud iPaaS = chain of custody gap in composite data = verification failure | Self-hosted = unbroken chain of custody from source to composite |
Get These Workflows
All five workflows are available at the FlowKit n8n automation template store. Import, configure credentials, and deploy — no coding required.
FlowKit builds automation templates for SaaS vendors with compliance obligations.
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