Family Table· CSL 2026 · Carnegie Mellon

Prototype

One core journey on each side, using the fictional Wilson family. Try it: share one of Emma's private answers in the family portal, then open the advisor's alignment brief and watch it unlock.

Advisor signal feed
SignalsBusiness-account activity flags a likely sale 12–18 months out, with reasons.
 Alignment brief
Alignment briefGap by theme; private answers stay sealed unless shared; model-drafted brief for approval.
 Family overview
What the sale meansOffer to after-tax proceeds, earnout kept separate, spend/gift/invest split.
 Private check-in
Private check-inEach answer is private until that person chooses to share it with the advisor.

Architecture

Five inputs, six components, one review gate. Every number comes from a model or a fixed formula PNC can audit. Language models never decide; they extract and explain. Nothing reaches a client until an advisor approves it.

DATA PNC HOLDS OR IS GIVEN INTELLIGENCE GOVERNANCE EXPERIENCES Business-account eventspayments, credit, treasury Household recordsowners, spouse, heirs, trusts Deal documentsLOI, earnout schedule (uploaded) Private family check-insfree text, stays in member's vault Tax and trust rulesmaintained by PNC specialists 1 · Sale-likelihood modelgradient-boosted classifier + top reasons 2 · Deal-term extractionLLM → structured fields (price, earnout, escrow) 3 · Stance extractionLLM → six themes, stance −2…+2, per member 4 · Divergence scorefixed formula: spread of stances, 0 to 1 5 · Proceeds and options calculatordeterministic waterfall and split 6 · Brief and explanation writerLLM writes from summaries + calculator output Consent ledgerwho shared what, when Role-based viewsmember · family · advisor Advisor review gateapprove or edit everymodel output Audit logmodel version, input,approver, timestamp Advisorworkbenchsignals, family map,brief, routing Familyportalproceeds, check-in,options, plan Boundary: raw check-in text stays in each member's vault. Only stances, gap scores and answers a member chose to share cross into the advisor view.

How the AI works

The competition asks teams to be specific about AI. Here is each component: what it reads, what it produces, and who checks it.

ComponentReadsProducesHuman check
Sale-likelihood model
Machine learning		Events on the business's PNC accounts: payments to M&A, legal and valuation firms; audited-financials requests; early credit paydowns.A 0–100 score, the likely timing, and the top reasons behind the score.Advisor decides whether to contact the owner. The score is never shown to a client.
Deal-term extraction
Language model		Letter of intent and earnout schedule the owner uploads.Structured fields: price, cash at close, earnout amount and conditions, escrow, debt payoff.Advisor verifies each extracted number against the document before the estimate is shared.
Stance extraction
Language model		One member's private free-text answers.A stance from −2 to +2 on six fixed themes: liquidity, legacy, fairness, role, purpose, timing.Member sees and can correct their own stances. Raw text is not shown to anyone else.
Divergence score
Fixed formula		Stances of everyone who checked in.Gap per theme = (highest − lowest stance) ÷ 4, from 0 (agree) to 1 (opposite ends).Transparent and reproducible; no model involved.
Proceeds and options calculator
Fixed formula		Verified deal terms, debt, fees, tax rules, and the family's split.Offer-to-net waterfall; equal, equitable and trust options with amounts per person.Tax and trust specialists own the rules and confirm figures before decisions.
Brief and explanation writer
Language model		Gap scores, shared answers only, and calculator output.A draft advisor brief, and plain-language trade-offs for the family that cite the calculator's numbers.Advisor edits and approves every draft. Approval is recorded in the audit log.

Why only PNC can build this

Generative AI and alerts are easy to copy. The advantage comes from the data PNC already holds and the trust the product earns.

A signal PNC already holds

PNC banks the operating company, so it can see a sale coming 12–18 months ahead. Wealth managers outside the bank only see the money after it moves.

Private by default

Each family member answers alone. The advisor sees gaps, not words, unless someone shares. Honest answers are data no competitor can collect or buy.

One household graph

Business, owners, spouse, heirs, trusts and accounts in one consented map, so heirs become PNC relationships before the assets move.

Hypotheses to validateWhether business-account signals may be used for Private Bank outreach under PNC's data-sharing and consent policies; whether family members will answer honestly in writing; whether advisors will act on gap scores.