A conference talk from Grid Dynamics exploring how durable execution via Temporal can modernize the broken wealth management account transfer (ACAT) process. The speaker, a 25-year financial services veteran, explains why transfers routinely take 30+ days instead of the regulatory 3-day target — misaligned incentives, stateless microservices, siloed teams, and no unified process state. The proposed solution uses a three-plane architecture: a control plane for agent orchestration and LLM integration, an execution plane powered by Temporal (handling saga patterns, state management, retries, and unwinds), and a data plane using XTDB for bitemporal data storage enabling historical reconstruction for regulatory inquiries. A live demo shows two transfer scenarios — a successful transfer with Rule 144 review and a failed transfer with name mismatch triggering a full saga compensation/unwind. The talk also covers NIGO (not-in-good-order) detection, KYC/AML compliance, and how the same approach applies to banking processes like credit card conversions.