Financial Inst - Model Role+Relationships b/w Person and Account
Four tables will solve and normalize the data:

Person
- person_id
- name
- dob
- address

Account
- account_id
- creation_date

PersonAccountRole
- person_id (PK)
- account_id (PK)
- role_id
- etc...

Role
- role_id
- role_descrip
- etc...