END-TO-END WEALTH ONBOARDING — Camunda 8 orchestration across all 3 paths: PATH A — STP (Straight-Through Processing): AI agents run Intake → Identity → Risk → DMN → Investment Recommendation → Customer confirms → Account opens automatically. No human in the loop. PATH B — AI + Advisor (Hybrid / preferAdvisor=hybrid): Same AI pipeline. Risk Agent forces ADVISOR_REVIEW route via DMN (aumTier=PRIVATE_WEALTH). Customer sees preparation tips from concierge while advisor reviews. Advisor approves → Investment Recommendation → Customer confirms → Account opens. PATH C — Personal Advisor / Compliance Escalation: PEP/sanctions hit → COMPLIANCE_ESCALATION user task (MLRO review). Private wealth tier → ADVISOR_REVIEW user task. Human decides APPROVE / REJECT / ESCALATE. LONG-RUNNING LIFECYCLE: The Customer_Conversation BPMN runs as a parallel process for the entire onboarding. It auto-starts when the investment recommendation is ready and stays alive until account opens. The process pauses at Wait_CustomerConfirmation (message catch event) — the customer must explicitly confirm via the concierge or UI before the account is opened. flow_to_intake AI Worker Agent — parses the application form, enriches from CRM, checks completeness. Streams TEXT_MESSAGE + TOOL_CALL AG-UI events live to the customer. Custom Zeebe worker (agent.intake). flow_to_intake flow_to_identity AI Worker Agent — runs OFAC/EU/UN sanctions screening, PEP check, and document validation. Writes identityVerified, pepHit, sanctionsHit process variables. Custom Zeebe worker (agent.identity). flow_to_identity flow_to_risk AI Worker Agent — computes investor risk score (0-100), AUM tier (RETAIL/MASS_AFFLUENT/PRIVATE_WEALTH/ULTRA_HIGH_NET_WORTH), and investor class (GROWTH/BALANCED/INCOME). If preferAdvisor=true or hybrid, forces aumTier=PRIVATE_WEALTH so DMN rule r4 routes to ADVISOR_REVIEW. Custom Zeebe worker (agent.risk). flow_to_risk flow_to_routing DMN Business Rule Task — evaluates WealthRouting.dmn decision table. Rules: r1: sanctionsHit=true → COMPLIANCE_ESCALATION; r2: pepHit=true → COMPLIANCE_ESCALATION; r3: riskScore≥70 → ADVISOR_REVIEW; r4: aumTier=PRIVATE_WEALTH → ADVISOR_REVIEW; r5: catch-all → STP. flow_to_routing flow_to_gateway flow_to_gateway flow_advisor flow_compliance flow_stp =routingDecision = "ADVISOR_REVIEW" =routingDecision = "COMPLIANCE_ESCALATION" HUMAN-IN-THE-LOOP (HITL) — Advisor review task. Surfaced to the advisor view as a UserTaskCard via AG-UI. Advisor sees customer risk profile, portfolio recommendation, and all KYC results. Decision: APPROVE (proceeds to investment), REJECT (application rejected), or ESCALATE (to compliance). flow_advisor flow_advisor_decision flow_advisor_decision flow_advisor_approve flow_advisor_reject flow_advisor_escalate =advisorDecision = "REJECT" =advisorDecision = "ESCALATE" HUMAN-IN-THE-LOOP (HITL) — MLRO compliance review. Triggered by PEP/sanctions flags (direct route) or advisor escalation. Compliance officer reviews full application, AML flags, and advisor notes. Decision: APPROVE (proceeds to investment) or REJECT (application rejected with audit trail). flow_compliance flow_advisor_escalate flow_after_compliance flow_after_compliance flow_compliance_approve flow_compliance_reject =complianceDecision = "REJECT" Official Camunda AI Agent Connector v6 (Bedrock/Claude Sonnet 4) — single-call task. Produces a model portfolio recommendation (GROWTH/BALANCED/INCOME) + rationale as structured JSON. Receives flow from STP path, advisor APPROVE, or compliance APPROVE. Downstream Task_EmitInvestmentCard reads agent.responseJson and auto-starts the Customer_Conversation BPMN. flow_stp flow_advisor_approve flow_compliance_approve flow_invest_to_emitter Bridge worker — reads the structured JSON from the AI Agent Connector response, writes recommendedPortfolio + recommendationRationale to process variables, emits PortfolioRecommendationCard + ConfirmRecommendationCard AG-UI events. Also auto-starts the Customer_Conversation BPMN as a parallel long-running process for the customer. Custom Zeebe worker (onboarding.emitInvestmentCard). flow_invest_to_emitter flow_invest_to_wait LONG-RUNNING PAUSE — process waits here indefinitely for a customer_confirmation message. The Customer_Conversation BPMN (started by Task_EmitInvestmentCard) runs in PARALLEL during this entire wait: the customer can chat, ask questions, explore alternatives, or bring in an advisor. When the customer explicitly confirms (or the concierge calls confirmAccountOpening), a customer_confirmation message is published — correlationKey=correlationId — and the process continues to open the account. flow_invest_to_wait flow_wait_to_open Core banking integration — creates the investment account with the approved portfolio. Generates account number and emits RUN_FINISHED APPROVED to the AG-UI stream. Custom Zeebe worker (core.openAccount). flow_wait_to_open flow_to_end flow_to_end flow_advisor_reject flow_compliance_reject Customer_Conversation BPMN runs in parallel here — long-running chat concierge (4h timeout) answers questions, shows portfolio details, handles advisor escalations. Customer confirms → this process resumes.