Inna Drozd - Settlements Accounts

Overview

This case focuses on designing settlement account management and allocation workflows for a FinTech trading platform.

The goal was to simplify complex financial setup flows, reduce manual configuration, and enable automation through reusable allocation templates, while maintaining accuracy, compliance, and scalability.

Problem

Setting up settlement accounts involved complex financial data, multiple identifiers, and strict validations, making the process slow and error-prone.
Manual configuration and fragmented flows limited automation and slowed down trade allocation and reconciliation.
Users needed a reliable way to reuse settlement logic across trading scenarios without losing control or accuracy.

Process

Research

Analyzed existing settlement workflows to identify where errors, delays, and manual setup most frequently occur.
Studied comparable financial tools to understand proven patterns for complex account setup, validation, and allocation logic.

Key Insights

Settlement account structures vary widely between clients, so only essential fields should be shown by default, with advanced and custom fields revealed on demand.
Allocation logic must support both manual control and automation, without increasing setup complexity.

Solution

Creating Settlement Accounts

The flow surfaces only required fields by default, reducing setup time and cognitive load.
Additional and custom fields can be added progressively to support client-specific and regulatory needs.

Allocation Templates

Allocation templates automate trade allocation while preserving transparency and control.
Only one active template can be applied at a time, preventing conflicting allocation logic.