Onboarding Validation Errors

Service Task Validations

The service center APIs used for digital onboarding will return a list of validation errors in the errors object in the API response when you POST or PATCH a service center task, if there is incomplete or missing data in the request. See below the list of validation errors that you can receive.

Please note that idx in the field name represents the index of the sub task's list. For example, the second account opening task is represented as accountOpeningTasks[1]. Any validations not done here are done further upstream. All validation errors are stored in the errors field using ApiErrorResponse structure.

Note

Please note that idx in the field name represents the index of the CreateUserTask in the createUserTasks list.

Create User Task

Field Name	Description
createUserTasks[idx].firstName	First name is required
createUserTasks[idx].lastName	Last name is required
createUserTasks[idx].email	Email is required
createUserTasks[idx].dayPhoneNumber	Daytime phone number is required, Daytime phone number is invalid
createUserTasks[idx].eveningPhoneNumber	Evening phone number is required, Evening phone number is invalid
createUserTasks[idx].primaryAddress.line1	Address line 1 is required
createUserTasks[idx].primaryAddress.city	Address city is required
createUserTasks[idx].primaryAddress.state	Address state is required
createUserTasks[idx].primaryAddress.zipcode	Address zipcode is required, Address zipcode should have only 5 digits
createUserTasks[idx].mailingAddress.line1	Address line 1 is required
createUserTasks[idx].mailingAddress.city	Address city is required
createUserTasks[idx].mailingAddress.state	Address state is required
createUserTasks[idx].mailingAddress.zipcode	Address zipcode is required, Address zipcode should have only 5 digits
createUserTasks[idx].dateOfBirth	Date of birth is required, Date of birth cannot be in the future, Date of birth cannot be before 1900, Client should be older than 18
createUserTasks[idx].tid	Tax ID is required
createUserTasks[idx].countryOfCitizenship1	Country of citizenship is required
createUserTasks[idx].permanentUsResident	You can only create accounts for US citizens or US permanent residents.
createUserTasks[idx].dependentCount	Invalid number of dependents
createUserTasks[idx].directorOrTenPercentShareholder	Please answer if client is a director or 10% shareholder of a public company
createUserTasks[idx].directorOrTenPercentShareholderCompany	Please select the companies the client is affiliated with
createUserTasks[idx].finraAffiliated	Please answer if client is FINRA or securities industry affiliated
createUserTasks[idx].politicallyExposed	Please answer if client is politically exposed
createUserTasks[idx].anticipateDomesticWireTransfers	Please answer if client expects to use domestic wires
createUserTasks[idx].domesticWireTransferPerMonth	Number of estimated wires required
createUserTasks[idx].anticipateWritingChecksAgainstAccount	Please answer if client expects to use checks
createUserTasks[idx].chequeTransferPerMonth	Number of estimated checks required
createUserTasks[idx].sourceOfWealth	Source of wealth is missing, Client is %s but employment details under source of wealth is missing
createUserTasks[idx].employments.annualIncome	Employer annual income is required
createUserTasks[idx].employments.employerLineOfBusiness	Employer line of business is required
createUserTasks[idx].loginId	Login ID is missing, Login ID must be > 8 characters long, Login ID must be < 32 characters long, Login ID must be in lowercase
createUserTasks[idx].employmentStatus	Employment status is missing

Account Opening Tasks

The more common and more generic validation categories are evaluated first. The more niche rules are evaluated later, this is so the more esoteric account types can override specific fields for the more general account types.

All Account Types

Field Name	Description
accountOpeningTasks[idx].accountName	Account Nickname is required, Account Nickname cannot be more than 16 characters
accountOpeningTasks[idx].repCode	Rep Code is required
accountOpeningTasks[idx].branchCode	Branch Code is required
accountOpeningTasks[idx].accountTypeDescription	Account type is required
accountOpeningTasks[idx].countryOfOrganization	Country of organization is required
accountOpeningTasks[idx].relatedEntities.decedents	Decedent required
accountOpeningTasks[idx].primaryAccountOwner	Missing legal entity owner for account
accountOpeningTasks[idx].accountRegistrationInfo	Account registration info is required
accountOpeningTasks[idx].placeOfBusiness.line1	Place of business address line 1 is required
accountOpeningTasks[idx].placeOfBusiness.city	Place of business address city is required
accountOpeningTasks[idx].placeOfBusiness.state	Place of business address state is required
accountOpeningTasks[idx].placeOfBusiness.zipcode	Place of business address zipcode is required
accountOpeningTasks[idx].placeOfBusiness.country	Place of business address country is required
accountOpeningTasks[idx].taxClassification	Tax classification is required
accountOpeningTasks[idx].expectedActivity.domesticWireTransferPerMonth	Please provide a wire transfer estimate
accountOpeningTasks[idx].expectedActivity.chequeTransferPerMonth	Please provide a check writing estimate
accountOpeningTasks[idx].expectedActivity.internationalWireTransfersPerMonth	Please provide an international wire transfer estimate
accountOpeningTasks[idx].jointOwners	Please choose a joint owner
accountOpeningTasks[idx].minor.firstName	Minor first name required
accountOpeningTasks[idx].minor.lastName	Minor last name required
accountOpeningTasks[idx].minor.dateOfBirth	Minor date of birth required
accountOpeningTasks[idx].minor.ssn	Minor social security number required
accountOpeningTasks[idx].minor.state	Minor state required
accountOpeningTasks[idx].minor.citizenship	Citizenship status is required for the Minor, Minor on the account needs to be a US Citizen or US Permanent Resident
accountOpeningTasks[idx].relatedEntities.primaryExecutors	Primary executor required
accountOpeningTasks[idx].relatedEntities.secondaryExecutors	Secondary executor required
accountOpeningTasks[idx].primaryBeneficiaries	A primary beneficiary is required
accountOpeningTasks[idx].primaryBeneficiaries[idx].firstName	Beneficiary first name required
accountOpeningTasks[idx].primaryBeneficiaries[idx].lastName	Beneficiary last name required
accountOpeningTasks[idx].primaryBeneficiaries[idx].ssn	Beneficiary social security number require 9 digits
accountOpeningTasks[idx].primaryBeneficiaries[idx].relationship	Beneficiary relationship required
accountOpeningTasks[idx].primaryBeneficiaries[idx].relationship	Cannot specify multiple spouses as primary beneficiary
accountOpeningTasks[idx].contingentBeneficiaries[idx].relationship	Cannot specify multiple spouses as contingent beneficiary
accountOpeningTasks[idx].primaryBeneficiaries[idx].sharePct	Primary beneficiary percent share must sum to 100
accountOpeningTasks[idx].contingentBeneficiaries[idx].sharePct	Contingent beneficiary percent share must sum to 100
accountOpeningTasks[idx].trustedContacts	Trusted contact required

Natural Person Accounts

Field Name	Description
accountOpeningTasks[idx].primaryAccountOwner	Please choose a primary owner
accountOpeningTasks[idx].primaryBeneficiaries	Please choose a primary beneficiary
accountOpeningTasks[idx].contingentBeneficiaries	A primary beneficiary is required
accountOpeningTasks[idx].trustedContacts	Please provide a valid email for the trusted contact

Entity Accounts

Field Name	Description
accountOpeningTasks[idx].primaryAccountOwner	Missing legal entity owner for account. Provide the sub task id from opening account task or the firm id of the firm that owns the new account (same value as `firmId`)
createFirmTasks[idx].firmName	Firm name is required
createFirmTasks[idx].firmRep	Firm representative is required
createFirmTasks[idx].firmEmail1	Firm email is required
createFirmTasks[idx].firmTelephone1	Primary phone is required
createFirmTasks[idx].firmTelephone1	Primary phone is invalid
createFirmTasks[idx].firmTelephone2	Secondary phone is required
createFirmTasks[idx].firmTelephone2	Secondary phone is invalid
createFirmTasks[idx].firmTaxIdType	Tax ID type is required
createFirmTasks[idx].firmTaxId	Tax ID is required
createFirmTasks[idx].primaryAddress.line1	Address line 1 is required
createFirmTasks[idx].primaryAddress.city	City is required
createFirmTasks[idx].primaryAddress.state	State is required
createFirmTasks[idx].primaryAddress.zipcode	Zipcode is required
accountOpeningTasks[idx].accountRegistrationInfo	Full legal entity name is required
accountOpeningTasks[idx].placeOfBusiness.line1	Place of business line1 required
accountOpeningTasks[idx].placeOfBusiness.city	Place of business city required
accountOpeningTasks[idx].placeOfBusiness.state	Place of business state required
accountOpeningTasks[idx].placeOfBusiness.zipcode	Place of business zipcode required
accountOpeningTasks[idx].placeOfBusiness.country	Place of business country required
accountOpeningTasks[idx].taxClassification	Tax classification is required
accountOpeningTasks[idx].expectedActivity.domesticWireTransferPerMonth	Please provide a wire transfer estimate
accountOpeningTasks[idx].expectedActivity.chequeTransferPerMonth	Please provide a check writing estimate
accountOpeningTasks[idx].expectedActivity.internationalWireTransfersPerMonth	Please provide an international wire transfer estimate

Inherited Accounts

Field Name	Description
accountOpeningTasks[idx].relatedEntities.decedents	Decedent required
accountOpeningTasks[idx].relatedEntities.decedents[idx].firstName	Decedent first name required
accountOpeningTasks[idx].relatedEntities.decedents[idx].lastName	Decedent last name required
accountOpeningTasks[idx].relatedEntities.decedents[idx].dateOfBirth	Decedent date of birth required
accountOpeningTasks[idx].relatedEntities.decedents[idx].dateOfBirth	Decedent date of birth must be before today
accountOpeningTasks[idx].relatedEntities.decedents[idx].relationship	Decedent relationship required
accountOpeningTasks[idx].relatedEntities.decedents[idx].ssn	Decedent SSN required
accountOpeningTasks[idx].relatedEntities.decedents[idx].dateOfDeath	Decedent date of death required
accountOpeningTasks[idx].relatedEntities.decedents[idx].dateOfDeath	Decedent date of death must be before today
accountOpeningTasks[idx].inheritedAcctDetail.inheritanceTypeDescription	Inheritance type required
accountOpeningTasks[idx].inheritedAcctDetail.payoutElectionDescription	Pay out election required
accountOpeningTasks[idx].minor.firstName	Minor first name required (if a beneficiary with type `MINOR_AS_BENE` is provided)
accountOpeningTasks[idx].minor.lastName	Minor last name required
accountOpeningTasks[idx].minor.dateOfBirth	Minor date of birth required
accountOpeningTasks[idx].minor.ssn	Minor SSN required
accountOpeningTasks[idx].minor.state	Minor state required
accountOpeningTasks[idx].minor.citizenship	Citizenship status is required for the Minor
accountOpeningTasks[idx].minor.citizenship	Minor on the account needs to be a US Citizen or US Permanent Resident
accountOpeningTasks[idx].minor.dateOfBirth	[State] does not allow Custodial accounts for individuals over the age of [maxAge]

Estate Accounts

role is either primaryExecutors or secondaryExecutors

Field Name	Description
accountOpeningTasks[idx].countryOfOrganization	Country of organization is required
accountOpeningTasks[idx].relatedEntities.primaryExecutors	Missing primary executors on trust account
accountOpeningTasks[idx].relatedEntities.[role][idx].firstName	Executor first name required
accountOpeningTasks[idx].relatedEntities.[role][idx].lastName	Executor last name required
accountOpeningTasks[idx].relatedEntities.[role][idx].executorCapacity	Executor capacity required
accountOpeningTasks[idx].relatedEntities.[role][idx].primaryAddress.line1	Executor address line1 required
accountOpeningTasks[idx].relatedEntities.[role][idx].primaryAddress.city	Executor address city required
accountOpeningTasks[idx].relatedEntities.[role][idx].primaryAddress.state	Executor address state required
accountOpeningTasks[idx].relatedEntities.[role][idx].primaryAddress.zipcode	Executor address zipcode required

Trust Accounts - Business Trust or Revocable Trust

Field Name	Description
accountOpeningTasks[idx].trustIndividuals	Please choose if all trust parties are individuals
accountOpeningTasks[idx].accountRegistrationInfo	Trust full legal name is required
accountOpeningTasks[idx].statutoryTrust	Please choose if this is a statutory trust
accountOpeningTasks[idx].countryOfOrganization	Country of organization is required
accountOpeningTasks[idx].stateOfOrganization	State of organization is required
accountOpeningTasks[idx].dateOfFormation	Date of formation is required
accountOpeningTasks[idx].placeOfBusiness.line1	Place of business line1 required
accountOpeningTasks[idx].placeOfBusiness.city	Place of business city required
accountOpeningTasks[idx].placeOfBusiness.state	Place of business state required
accountOpeningTasks[idx].placeOfBusiness.zipcode	Place of business zipcode required
accountOpeningTasks[idx].placeOfBusiness.country	Place of business country required
accountOpeningTasks[idx].expectedActivity.domesticWireTransferPerMonth	Please provide a wire transfer estimate
accountOpeningTasks[idx].expectedActivity.chequeTransferPerMonth	Please provide a check writing estimate
accountOpeningTasks[idx].relatedEntities.grantors	Missing grantors on trust account
accountOpeningTasks[idx].relatedEntities.beneficiaries	Missing beneficiaries on trust account
accountOpeningTasks[idx].relatedEntities.trusteeMembers	Missing trustees on trust account

Custodial Accounts

Field Name	Description
accountOpeningTasks[idx].minor.firstName	Minor first name required
accountOpeningTasks[idx].minor.lastName	Minor last name required
accountOpeningTasks[idx].minor.dateOfBirth	Minor date of birth required
accountOpeningTasks[idx].minor.ssn	Minor SSN required
accountOpeningTasks[idx].minor.state	Minor state required
accountOpeningTasks[idx].minor.citizenship	Citizenship status is required for the Minor
accountOpeningTasks[idx].minor.citizenship	Minor on the account needs to be a US Citizen or US Permanent Resident
accountOpeningTasks[idx].minor.dateOfBirth	[State] does not allow Custodial accounts for individuals over the age of [maxAge]

Asset Transfer Task

Field Name	Description
assetTransferTasks[idx].accountNumber	Account number is required
assetTransferTasks[idx].contraAccountNumber	Contra account number is required
assetTransferTasks[idx].contraFirmName	Contra firm name is required
assetTransferTasks[idx].contraAccountType	Contra account type is required
assetTransferTasks[idx].transferType	Transfer type is required
assetTransferTasks[idx].cashAmount	Cash amount is required (if transfer type is partial and not all cash)
assetTransferTasks[idx].stocks	Stocks is required (if transfer type is partial)
assetTransferTasks[idx].doNotSubmitUntil	Submission date should be in the future
assetTransferTasks[idx].doNotSubmitUntil	Submission date should not be more than 60 days in the future

Create Bank Link Task

Any validations not done here are done further upstream.

Field Name	Description
createBankLinkTasks[idx].bankLinkType	Bank link type is required
createBankLinkTasks[idx].bankAccountType	Bank account type is required
createBankLinkTasks[idx].alias	Bank link alias must not exceed 16 characters
createBankLinkTasks[idx].routingNumber	Routing number is required
createBankLinkTasks[idx].routingNumber	For international wires, routing number must be 8-11 digits, otherwise 9 digiits.
createBankLinkTasks[idx].bankAccountNumber	Bank account number is required
createBankLinkTasks[idx].bankAccountNumber	Bank account number must not exceed 35 characters

Third Party Bank Links

Field Name	Description
createBankLinkTasks[idx].thirdPartyBeneficiaryName	Beneficiary name is required
createBankLinkTasks[idx].thirdPartyBeneficiaryAddress1	Beneficiary street address is required
createBankLinkTasks[idx].thirdPartyBeneficiaryCity	Beneficiary city is required
createBankLinkTasks[idx].thirdPartyBeneficiaryState	Beneficiary state is required
createBankLinkTasks[idx].thirdPartyBeneficiaryZipCode	Beneficiary zipcode is required
createBankLinkTasks[idx].thirdPartyBeneficiaryZipCode	Beneficiary zipcode must be 5 digits
createBankLinkTasks[idx].intermediaryRoutingNumber	Intermediary routing number must be 9 digits
createBankLinkTasks[idx].intermediaryRoutingNumber	Intermediary bank account number must not exceed 35 characters

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Service Task Validations
Create User Task
Account Opening Tasks
Asset Transfer Task
Create Bank Link Task

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