When you agree a sale or take on a new instruction, you send SwiftSOF the basics:

• Client name and contact details

• Buyer or seller status

• Property address and agreed price

• Any known funding information (e.g. cash/mortgage/gift)

This can be done through a secure online form or directly from your CRM (if integrated).

We reach out to your client under your brand or co-branded with SwiftSOF (your choice). In clear, simple language we explain:

• Why AML checks are required

• What documents they need to provide

• How to upload documents securely

We provide a secure link for uploads and handle all the follow-up and chasing until we have the information required for a complete pack.

Using recognised ID verification tools, we:

• Capture and verify passport or driving licence details

• Run liveness/selfie checks to match the client to their ID document

• Compile a simple summary of the ID and address results

Any issues (expired documents, mismatched details, failed liveness) are clearly flagged for your team to review.

We help your clients understand and evidence where their money is coming from. This typically includes:

• Bank and savings statements

• Gift letters and ID for giftors

• Completion statements from previous sales

• Pension, investment or inheritance documents

We give clients examples of “what good looks like” so they know what to send, and we follow up as needed to fill in any obvious gaps.

We prepare a clear AML & source-of-funds pack.

Once we have the documents, we organise everything into a single PDF pack for you, including:

• A plain-English “money story” – how the client is funding the transaction

• A summary table of each source of funds, with amounts and evidence

• A short note of any points you may wish to question or review

• An index of all attached documents (ID, statements, gift letters, AIPs, etc.)

All documents are presented in a consistent format so your team and your MLRO can scan and understand the case quickly.

You apply your AML policy and make the final call.

Your team remains fully in control of the AML process. With the SwiftSOF pack in front of you, you can:

• Apply your own AML risk assessment and policies

• Decide whether the evidence is sufficient

• Request further information if needed

• Handle any reporting or escalation obligations

SwiftSOF does not make AML decisions or provide legal advice – we simply give you a clear, well-organised picture so your decisions are easier and faster.