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In Canada, financial advisors and dealers are required by provincialsecurities commissions and self-regulatory organizations--charged with directregulation over investment dealers and mutual fund dealers--to respectivelycollect and maintain Know Your Client (KYC) information, such as their age orrisk tolerance, for investor accounts. With this information, investors, undertheir advisor's guidance, make decisions on their investments which arepresumed to be beneficial to their investment goals. Our unique dataset isprovided by a financial investment dealer with over 50,000 accounts for over23,000 clients. We use a modified behavioural finance recency, frequency,monetary model for engineering features that quantify investor behaviours, andmachine learning clustering algorithms to find groups of investors that behavesimilarly. We show that the KYC information collected does not explain clientbehaviours, whereas trade and transaction frequency and volume are mostinformative. We believe the results shown herein encourage financial regulatorsand advisors to use more advanced metrics to better understand and predictinvestor behaviours.

Know Your Clients' behaviours: a cluster analysis of financial transactions