# ============================================================================= # PWM 0.1 example data # # Synthetic data for a fictional firm, Example Private Bank. No real client, # person, firm or security appears here. Identifiers are well formed but # invented. One client journey is traced end to end: # # origination -> recommendation -> suitability assessment (risk profile in # force, mandate, product risk rating) -> final decision by the RM -> # client communication, with the AI use case, agent, delegation, policy # decision and hash-chained evidence behind it. # # Validate, from the folder holding pwm.ttl and pwm-shapes.ttl: # pyshacl -s pwm-shapes.ttl -e pwm.ttl -i rdfs examples/pwm-example.ttl # If you downloaded the three files into one folder, drop the examples/ prefix. # ============================================================================= @prefix rdf: . @prefix rdfs: . @prefix owl: . @prefix xsd: . @prefix dcterms: . @prefix prov: . @prefix cmns-rlcmp: . @prefix fibo-fnd-aap-ppl: . @prefix fibo-sec-dbt-bnd: . @prefix pwm: . @prefix ex: . a owl:Ontology ; dcterms:title "PWM 0.1 example data"@en ; dcterms:description "Synthetic data for a fictional firm, Example Private Bank. No real client, person, firm or security."@en ; dcterms:conformsTo ; dcterms:license . # --- People (fictional) -------------------------------------------------------------------- ex:PersonClient a fibo-fnd-aap-ppl:Person ; rdfs:label "Client 0001 (fictional person)"@en . ex:PersonRM a fibo-fnd-aap-ppl:Person ; rdfs:label "Relationship manager (fictional person)"@en . ex:PersonHeadOfAdvisory a fibo-fnd-aap-ppl:Person ; rdfs:label "Head of advisory (fictional person)"@en . ex:PersonHeadOfTechnology a fibo-fnd-aap-ppl:Person ; rdfs:label "Head of wealth technology (fictional person)"@en . ex:PersonChiefRiskOfficer a fibo-fnd-aap-ppl:Person ; rdfs:label "Chief risk officer (fictional person)"@en . ex:PersonCIO a fibo-fnd-aap-ppl:Person ; rdfs:label "Chief investment officer (fictional person)"@en . ex:PersonModelRisk a fibo-fnd-aap-ppl:Person ; rdfs:label "Head of model risk (fictional person)"@en . ex:PersonAIControl a fibo-fnd-aap-ppl:Person ; rdfs:label "Head of AI risk, second line (fictional person)"@en . # --- Firm, booking centre, client and coverage ------------------------------------------------ ex:ExamplePrivateBank a pwm:PrivateBank ; rdfs:label "Example Private Bank (fictional)"@en ; pwm:legalEntityIdentifier "EXMP00PRIVATEBANK095" ; pwm:jurisdictionCode "SG" . ex:BookingCentreSG a pwm:BookingCentre ; rdfs:label "Example Private Bank, Singapore booking centre"@en ; cmns-rlcmp:isPlayedBy ex:ExamplePrivateBank ; pwm:jurisdictionCode "SG" . ex:Group a pwm:RelationshipGroup ; rdfs:label "Family group 0001 (fictional)"@en . ex:Client a pwm:IndividualClient ; rdfs:label "Client 0001 (fictional)"@en ; cmns-rlcmp:isPlayedBy ex:PersonClient ; pwm:inGroup ex:Group ; pwm:residenceCountry "SG" ; pwm:domicileCountry "SG" ; pwm:nationalityCountry "SG" . ex:Relationship a pwm:ClientRelationship ; rdfs:label "Relationship 0001 (fictional)"@en ; pwm:hasClient ex:Client ; pwm:hasProvider ex:ExamplePrivateBank ; pwm:isBookedAt ex:BookingCentreSG ; pwm:validFrom "2024-03-01T00:00:00+08:00"^^xsd:dateTime . ex:RM a pwm:RelationshipManager ; rdfs:label "Relationship manager role"@en ; cmns-rlcmp:isPlayedBy ex:PersonRM . ex:Coverage a pwm:CoverageAssignment ; pwm:coversRelationship ex:Relationship ; pwm:assignedRelationshipManager ex:RM ; pwm:coverageRole pwm:CoveragePrimary . # --- Due diligence and tax ---------------------------------------------------------------------- ex:CDD a pwm:CustomerDueDiligence ; pwm:assesses ex:Client ; pwm:validFrom "2024-02-20T00:00:00+08:00"^^xsd:dateTime ; pwm:nextReviewDate "2027-02-20"^^xsd:date . ex:AMLRating a pwm:CustomerRiskRating ; pwm:assesses ex:Client ; pwm:amlRiskLevel pwm:AMLLow ; pwm:validFrom "2024-02-20T00:00:00+08:00"^^xsd:dateTime . ex:TaxSelfCertification a pwm:TaxResidencySelfCertification ; pwm:assesses ex:Client ; pwm:taxResidenceCountry "SG" ; pwm:validFrom "2024-02-20T00:00:00+08:00"^^xsd:dateTime . # --- Investor classification, risk profile and mandate -------------------------------------------- ex:Classification a pwm:InvestorClassification ; pwm:assesses ex:Client ; pwm:investorCategory pwm:AccreditedInvestorSG ; pwm:optStatus pwm:OptedIn ; pwm:jurisdictionCode "SG" ; pwm:validFrom "2024-03-01T00:00:00+08:00"^^xsd:dateTime . ex:RiskProfileV1 a pwm:InvestorRiskProfile ; rdfs:label "Risk profile, version 1"@en ; pwm:assesses ex:Client ; pwm:riskProfileLevel pwm:RP2 ; pwm:validFrom "2024-03-01T00:00:00+08:00"^^xsd:dateTime ; pwm:validUntil "2026-03-15T00:00:00+08:00"^^xsd:dateTime ; prov:wasAttributedTo ex:RM . ex:RiskProfileV2 a pwm:InvestorRiskProfile ; rdfs:label "Risk profile, version 2"@en ; pwm:assesses ex:Client ; pwm:riskProfileLevel pwm:RP3 ; pwm:investmentHorizonYears 7.0 ; pwm:supersedes ex:RiskProfileV1 ; pwm:validFrom "2026-03-15T00:00:00+08:00"^^xsd:dateTime ; pwm:nextReviewDate "2027-03-15"^^xsd:date ; prov:wasAttributedTo ex:RM . ex:Mandate a pwm:AdvisoryMandate ; rdfs:label "Advisory mandate 0001 (fictional)"@en ; pwm:hasRestriction ex:IssuerLimit ; pwm:validFrom "2024-03-01T00:00:00+08:00"^^xsd:dateTime . ex:IssuerLimit a pwm:ConcentrationLimit ; rdfs:label "Single-issuer limit"@en ; pwm:limitValue 0.10 ; pwm:limitBasis "Share of portfolio market value held in one issuer" . # --- Product, instrument and product risk --------------------------------------------------------- ex:Bond a fibo-sec-dbt-bnd:Bond ; rdfs:label "Example Corp 3.5% 2031 bond (fictional)"@en ; pwm:isin "XS00EXAMPLE1" ; pwm:cfiCode "DBFUFR" ; pwm:currency "SGD" . ex:Product a pwm:Product ; rdfs:label "Example Corp 3.5% 2031 bond on the advisory shelf (fictional)"@en ; pwm:hasUnderlyingInstrument ex:Bond ; pwm:productComplexity pwm:NonComplexProduct ; pwm:currency "SGD" . ex:ProductRating a pwm:ProductRiskRating ; pwm:assesses ex:Product ; pwm:productRiskLevel pwm:RP3 ; pwm:validFrom "2026-06-01T00:00:00+08:00"^^xsd:dateTime . # --- Account, portfolio and a valuation from a registered service ----------------------------------- ex:Holder a pwm:AccountHolder ; cmns-rlcmp:isPlayedBy ex:PersonClient . ex:Account a pwm:InvestmentAccount ; rdfs:label "Investment account 0001 (fictional)"@en ; pwm:accountHeldBy ex:Holder ; pwm:hasPortfolio ex:Portfolio ; pwm:isBookedAt ex:BookingCentreSG ; pwm:governedByMandate ex:Mandate ; pwm:signingRule pwm:SignAnyOne ; pwm:currency "SGD" . ex:Portfolio a pwm:Portfolio ; pwm:hasHolding ex:MaturingHolding . ex:MaturingHolding a pwm:Holding ; rdfs:label "Holding in a bond that matures in December 2026 (fictional)"@en . ex:ValuationService a pwm:CalculationService ; rdfs:label "Portfolio valuation service (fictional)"@en . ex:PortfolioValuation a pwm:Valuation ; pwm:valuationOf ex:Portfolio ; pwm:amount 2500000.00 ; pwm:currency "SGD" ; pwm:asOf "2026-11-01T17:00:00+08:00"^^xsd:dateTime ; pwm:calculatedBy ex:ValuationService . # --- Governed information: an approved source and a policy -------------------------------------------- ex:HouseView a pwm:HouseView , pwm:ApprovedSource ; rdfs:label "House view: SGD investment-grade credit, overweight (fictional)"@en ; pwm:approvedForUseCase ex:UseCaseMeetingPrep ; pwm:validFrom "2026-10-01T00:00:00+08:00"^^xsd:dateTime . ex:CommunicationPolicyV31 a pwm:GovernedInformationAsset ; rdfs:label "Client communication policy, version 3.1 (fictional)"@en ; pwm:informationOwner ex:BusinessOwner ; pwm:approvalStatus pwm:AssetSuperseded ; pwm:versionId "3.1" ; pwm:contentHash "sha256:2411474079047729f80de850da3514ddec700c41958923cbd8b1fc13168a49d5" ; pwm:validFrom "2025-01-01T00:00:00+08:00"^^xsd:dateTime ; pwm:validUntil "2026-01-01T00:00:00+08:00"^^xsd:dateTime ; pwm:retentionUntil "2032-12-31"^^xsd:date . ex:CommunicationPolicy a pwm:GovernedInformationAsset ; rdfs:label "Client communication policy, version 3.2 (fictional)"@en ; pwm:informationOwner ex:BusinessOwner ; pwm:approvalStatus pwm:AssetCurrent ; pwm:versionId "3.2" ; pwm:supersedes ex:CommunicationPolicyV31 ; pwm:validFrom "2026-01-01T00:00:00+08:00"^^xsd:dateTime ; pwm:retentionUntil "2033-12-31"^^xsd:date ; pwm:hasSection ex:CommunicationPolicySection4 . ex:CommunicationPolicySection4 a pwm:DocumentSection ; rdfs:label "Section 4: AI-assisted drafting"@en ; pwm:classification pwm:C1 . # --- AI use case, accountability and materiality ------------------------------------------------------- ex:PurposeMeetingPrep a pwm:Purpose ; rdfs:label "Prepare client meetings and draft recommendations for RM review"@en . ex:BusinessOwner a pwm:BusinessOwner ; cmns-rlcmp:isPlayedBy ex:PersonHeadOfAdvisory . ex:TechnologyOwner a pwm:TechnologyOwner ; cmns-rlcmp:isPlayedBy ex:PersonHeadOfTechnology . ex:RiskOwner a pwm:RiskOwner ; cmns-rlcmp:isPlayedBy ex:PersonChiefRiskOfficer . ex:KnowledgeLead a pwm:KnowledgeLead ; cmns-rlcmp:isPlayedBy ex:PersonCIO . ex:Validator a pwm:IndependentValidator ; cmns-rlcmp:isPlayedBy ex:PersonModelRisk . ex:ControlFunction a pwm:DesignatedControlFunction ; cmns-rlcmp:isPlayedBy ex:PersonAIControl . ex:Provider a pwm:ModelProvider ; rdfs:label "Model provider (fictional)"@en . ex:Model a pwm:AIModel ; rdfs:label "General-purpose language model (fictional)"@en ; pwm:providedBy ex:Provider ; pwm:modelVersion "model-2026-09" . ex:UseCaseMeetingPrep a pwm:AIUseCase ; rdfs:label "Client meeting preparation and draft recommendations"@en ; pwm:hasPurpose ex:PurposeMeetingPrep ; pwm:approvedJurisdiction "SG" ; pwm:modelType "Language model with retrieval from approved sources" ; pwm:dependsOn ex:Model ; pwm:usesDataClass pwm:C2 ; pwm:lifecycleStatus pwm:StatusLive ; pwm:riskTier pwm:Tier3 ; pwm:isMediated true ; pwm:nextReviewDate "2027-05-01"^^xsd:date ; pwm:hasAccountabilityRole ex:BusinessOwner , ex:TechnologyOwner , ex:RiskOwner , ex:KnowledgeLead , ex:Validator ; pwm:hasMaterialityAssessment ex:Materiality . ex:Materiality a pwm:RiskMaterialityAssessment ; pwm:assesses ex:UseCaseMeetingPrep ; pwm:impact pwm:RatingHigh ; pwm:complexity pwm:RatingMedium ; pwm:reliance pwm:RatingMedium ; pwm:businessCriticality pwm:RatingHigh ; pwm:clientImpactClass pwm:ImpactAdvice ; pwm:decisionConsequence pwm:ConsequenceSuitability ; pwm:autonomyAxis pwm:AutonomyAssisted ; pwm:inherentMateriality pwm:RatingHigh ; pwm:residualMateriality pwm:RatingMedium ; pwm:rationale "Advice-level client impact. Every recommendation needs RM approval before it reaches the client, and claims are checked against approved sources, which brings residual materiality to medium." ; pwm:approvedBy ex:ControlFunction ; pwm:validFrom "2026-10-15T09:00:00+08:00"^^xsd:dateTime . # --- Agent, tools and delegated authority ------------------------------------------------------------ ex:ToolPortfolioRead a pwm:Tool ; rdfs:label "Read portfolio positions"@en ; pwm:requiredAutonomyLevel pwm:L0Retrieve ; pwm:actionVerb pwm:VerbRead . ex:ToolDraftNote a pwm:Tool ; rdfs:label "Draft a client note"@en ; pwm:requiredAutonomyLevel pwm:L3Draft ; pwm:actionVerb pwm:VerbDraft . ex:Agent a pwm:AIAgent ; rdfs:label "Meeting preparation agent"@en ; pwm:agentIdentifier "AGENT-RM-PRECALL-01" ; pwm:maxAutonomyLevel pwm:L3Draft ; pwm:registeredForUseCase ex:UseCaseMeetingPrep ; pwm:deploymentVersion "sha256:fe17d8288da18bb3cc7a178d050b9af718c402a10d4f5d338633dfe0af0e1787" ; pwm:permittedTool ex:ToolPortfolioRead , ex:ToolDraftNote ; pwm:nextReviewDate "2027-02-01"^^xsd:date . ex:Delegation a pwm:DelegatedAuthority ; rdfs:label "RM authorises the meeting preparation agent for client 0001 until the meeting is prepared"@en ; pwm:delegatedBy ex:PersonRM ; pwm:delegatedTo ex:Agent ; pwm:hasPurpose ex:PurposeMeetingPrep ; pwm:aboutClient ex:Client ; pwm:actionVerb pwm:VerbRead , pwm:VerbDraft ; pwm:permitsDataClass pwm:C2 ; pwm:jurisdictionCode "SG" ; pwm:approvalThreshold "Any draft for the client needs RM approval" ; pwm:validFrom "2026-11-02T08:00:00+08:00"^^xsd:dateTime ; pwm:validUntil "2026-11-02T18:00:00+08:00"^^xsd:dateTime ; pwm:endsOnTaskCompletion true . # --- Facts and claims ------------------------------------------------------------------------------ ex:SuitabilitySystem a prov:SoftwareAgent ; rdfs:label "Suitability system of record (fictional)"@en . ex:FactRiskProfile a pwm:Fact ; rdfs:label "Client 0001's risk profile in force is RP3"@en ; pwm:aboutClient ex:Client ; prov:wasDerivedFrom ex:RiskProfileV2 ; prov:wasAttributedTo ex:SuitabilitySystem ; pwm:asOf "2026-11-02T09:58:00+08:00"^^xsd:dateTime ; pwm:freshnessThreshold "P1D"^^xsd:duration ; pwm:staleAction pwm:StaleSuppress ; pwm:classification pwm:C2 . ex:FactPortfolioValue a pwm:Fact ; rdfs:label "Client 0001's portfolio value at the last close"@en ; pwm:aboutClient ex:Client ; prov:wasDerivedFrom ex:PortfolioValuation ; pwm:calculatedBy ex:ValuationService ; pwm:asOf "2026-11-01T17:00:00+08:00"^^xsd:dateTime ; pwm:freshnessThreshold "P1D"^^xsd:duration ; pwm:staleAction pwm:StaleWarn ; pwm:classification pwm:C2 . ex:ClaimRiskProfile a pwm:Claim ; rdfs:label "\"Your current risk profile is RP3.\""@en ; pwm:aboutClient ex:Client ; pwm:claimType pwm:VerifiedFact ; pwm:citesSource ex:FactRiskProfile ; pwm:validatorStatus pwm:ValidatorVerified ; pwm:underUseCase ex:UseCaseMeetingPrep ; pwm:modelVersion "model-2026-09" . ex:ClaimReinvestment a pwm:Claim ; rdfs:label "\"The client may want to reinvest the December maturity in SGD credit.\""@en ; pwm:aboutClient ex:Client ; pwm:claimType pwm:Inference ; pwm:citesSource ex:HouseView ; pwm:validatorStatus pwm:ValidatorInferred ; pwm:underUseCase ex:UseCaseMeetingPrep ; pwm:modelVersion "model-2026-09" . # --- The client journey ------------------------------------------------------------------------------ ex:Interaction a pwm:ClientInteraction ; rdfs:label "Interaction 0001: reinvesting a maturing bond (fictional)"@en ; pwm:withClient ex:Client ; prov:startedAtTime "2026-11-02T09:55:00+08:00"^^xsd:dateTime . ex:Origination a pwm:Origination ; pwm:partOfInteraction ex:Interaction ; pwm:withClient ex:Client ; pwm:originationTrigger pwm:OriginationEvent ; pwm:rationale "A bond holding matures in December 2026, and the current house view is overweight SGD investment-grade credit." ; prov:startedAtTime "2026-11-02T09:55:00+08:00"^^xsd:dateTime . ex:Recommendation a pwm:Recommendation ; rdfs:label "Recommendation: SGD 100,000 of the Example Corp 3.5% 2031 bond (fictional)"@en ; pwm:partOfInteraction ex:Interaction ; pwm:originatedBy ex:Origination ; pwm:withClient ex:Client ; pwm:recommendsProduct ex:Product ; pwm:citesSource ex:HouseView , ex:FactRiskProfile , ex:FactPortfolioValue ; pwm:contentProvenance pwm:ProvenanceAI ; pwm:rationale "Reinvest part of the December maturity in SGD investment-grade credit, in line with the house view, at 4% of portfolio value." ; pwm:underUseCase ex:UseCaseMeetingPrep ; prov:wasAttributedTo ex:Agent ; prov:generatedAtTime "2026-11-02T10:01:00+08:00"^^xsd:dateTime . ex:Suitability a pwm:SuitabilityAssessment ; pwm:assessesRecommendation ex:Recommendation ; pwm:usesRiskProfile ex:RiskProfileV2 ; pwm:usesMandate ex:Mandate ; pwm:usesProductRiskRating ex:ProductRating ; pwm:suitabilityOutcome pwm:Suitable ; pwm:rationale "Product risk level RP3 matches the client's risk profile in force (RP3, version 2). The position would be 4% of portfolio value, inside the 10% single-issuer limit. The seven-year horizon covers the 2031 maturity." ; prov:wasAttributedTo ex:RM ; prov:generatedAtTime "2026-11-02T10:04:00+08:00"^^xsd:dateTime . ex:Decision a pwm:FinalDecision ; pwm:decisionOn ex:Recommendation ; pwm:decisionResult pwm:DecisionApprove ; prov:wasDerivedFrom ex:Suitability ; prov:wasAttributedTo ex:RM ; prov:generatedAtTime "2026-11-02T10:12:00+08:00"^^xsd:dateTime . ex:SecurePortal a pwm:CommunicationChannel ; rdfs:label "Secure client portal (fictional)"@en ; pwm:isApprovedChannel true . ex:Communication a pwm:ClientCommunication ; rdfs:label "Client note proposing the reinvestment (fictional)"@en ; pwm:partOfInteraction ex:Interaction ; pwm:withClient ex:Client ; pwm:derivedFromDecision ex:Decision ; pwm:communicationLevel pwm:CommProductRecommendation ; pwm:contentProvenance pwm:ProvenanceAIHumanEdited ; pwm:aiDisclosureGiven true ; pwm:disclosureTrigger pwm:TriggerAIGeneratedContent ; pwm:viaChannel ex:SecurePortal ; pwm:contentHash "sha256:a31d9e3b6d17980928d9435f48751f4af20f8d43a3060e069768e454c23173c8" ; prov:generatedAtTime "2026-11-02T10:20:00+08:00"^^xsd:dateTime . # --- Policy rules, the decision to release, and evidence ---------------------------------------------------- ex:RuleClientCommunication a pwm:PolicyRule ; rdfs:label "Releasing a client communication takes two signatures"@en ; pwm:ruleCitation "Kognita private-banking pack, client-communication (ADR 0006)" ; pwm:versionId "1.0" ; pwm:validFrom "2026-01-01T00:00:00+08:00"^^xsd:dateTime . ex:RuleSolicitation a pwm:CrossBorderRule ; rdfs:label "Solicitation of clients domiciled in HK from the SG booking centre is marked prohibited (illustrative)"@en ; pwm:appliesToActivity pwm:ActivitySolicitation ; pwm:permitted false ; pwm:clientDomicileCode "HK" ; pwm:bookingCentreCode "SG" ; pwm:ruleCitation "Illustrative only. The firm's cross-border manual sets the boundary; the rule enforces the recorded flag (Kognita private-banking pack, cross-border-solicitation)." ; pwm:versionId "1.0" ; pwm:validFrom "2026-01-01T00:00:00+08:00"^^xsd:dateTime . ex:PolicyDecisionRelease a pwm:PolicyDecision ; rdfs:label "Release of the client note routed to human approval"@en ; pwm:decisionOutcome pwm:OutcomeHumanApproval ; pwm:decidedByRule ex:RuleClientCommunication ; pwm:underUseCase ex:UseCaseMeetingPrep ; pwm:reliesOnDelegation ex:Delegation ; prov:generatedAtTime "2026-11-02T10:05:00+08:00"^^xsd:dateTime . ex:Evidence1 a pwm:EvidenceRecord ; pwm:eventType pwm:EventPolicyDecision ; pwm:evidenceFor ex:PolicyDecisionRelease ; pwm:underUseCase ex:UseCaseMeetingPrep ; pwm:previousRecordHash "sha256:c140e13fed2c22a17ecd816f9abc01e038c2b1919166ed32aceb384c6331d4d1" ; pwm:recordHash "sha256:3ba5c9c03fd8837278576b83f283e79962f9bea54eb1e016503e73dcaddbc583" ; prov:generatedAtTime "2026-11-02T10:05:00+08:00"^^xsd:dateTime . ex:Evidence2 a pwm:EvidenceRecord ; pwm:eventType pwm:EventFinalDecision ; pwm:evidenceFor ex:Decision ; pwm:underUseCase ex:UseCaseMeetingPrep ; pwm:previousRecordHash "sha256:3ba5c9c03fd8837278576b83f283e79962f9bea54eb1e016503e73dcaddbc583" ; pwm:recordHash "sha256:d31e7840f241e116b99a0fe72adf3f4ec3dd344067200992158ed5048114d54b" ; prov:generatedAtTime "2026-11-02T10:12:00+08:00"^^xsd:dateTime . ex:Evidence3 a pwm:EvidenceRecord ; pwm:eventType pwm:EventClientCommunication ; pwm:evidenceFor ex:Communication ; pwm:underUseCase ex:UseCaseMeetingPrep ; pwm:previousRecordHash "sha256:d31e7840f241e116b99a0fe72adf3f4ec3dd344067200992158ed5048114d54b" ; pwm:recordHash "sha256:be1a8668fcf9c8c98fcf2f9266e5505b58be5d034f9c8e8ffe335bd077a435d7" ; prov:generatedAtTime "2026-11-02T10:20:00+08:00"^^xsd:dateTime .