01
Manual review is tedious
Verifying funds means wading through months of bank statements, line by line, for every client.
Solutions / Source of Funds
Source of Funds
A complete view of your client’s funds, without the paper chase.
Get a transparent, evidence-backed view of a client’s Source of Funds without searching through pages of bank statements. Open Banking–powered checks connect to 95% of UK banks and verify six months of financial history in minutes.
Open Banking · 95% of UK banks · Secure by design
Open Banking liveCASE · SOF-3092
Funds traced · by source
SalarySalary credits · regular£72,00040%
PropertyProperty sale · completion£90,00050%
GiftDocumented gift£18,00010%
TOTALIZER
= £180,000✓ Sources balanced
Banks connected: 95% UKOpen Banking · verified
Powered by Open Banking
Open Banking · 95% of UK banks6 months of transactionsCategorised credits & debitsSelf-learning analysisDocument upload (optional)Read-only & secure
Why source of funds drags
The evidence is in the statements. Reading them all is the problem.
02
Back-and-forth wastes time
Chasing clients to explain individual credits stretches a check from minutes into weeks.
03
Email isn’t secure
Sensitive financial documents shared over email put both the client and the firm at risk.
Statements vs. Open Banking
A folder of PDFs vs. a reconciled view.
Same client, same funds. Switch between a manual statement review and ClearSignal’s Open Banking trace to see how a multi-day task becomes a few minutes.
⏸ PDFs · manual review
Six months of statements to read.
The client emails over PDFs, someone reads every line, and the questions go back and forth for a week before the funds add up.
Step 1Client connects bankRead-only Open Banking
Step 2Salary credits verified£72,000 · regular
Step 3Property sale matched£90,000 · completion
Step 4Gift documented£18,000 · evidence held
DoneTotalizer balanced · signed offSources = transaction value
What changes with ClearSignal
Faster checks. Clearer evidence. Happier clients.
01
Verify in real time
Open Banking connects to 95% of UK banks, so funds are confirmed in minutes rather than days of reading.
02
Decide on evidence
Consolidated, multi-source reporting gives a transparent view of six months of verified financial data.
03
A smoother client experience
A simple, secure connection replaces the document chase, saving time for the firm and the client alike.
How it works
From connection to a balanced source of funds.
Open Banking does the gathering; ClearSignal does the reconciling.
1
Client connects securely
A read-only Open Banking link (or a document upload) shares six months of data without emailing statements.
2
Transactions are categorised
Self-learning models categorise every credit and debit and highlight anything that needs context.
3
Sources are identified
Salary, property, savings, gifts: each source of funds is identified and evidenced.
4
The totalizer reconciles
A visual Dynamic Totalizer confirms the declared sources equal the transaction value.
5
Smart fact finds fill gaps
Targeted questionnaires ask only the relevant questions to close any remaining gap, with evidence kept on file.
Capabilities
Built to make source of funds painless.
Open Banking integration
Connects to 95% of UK banks for real-time, read-only access to six months of transactions.
Dynamic Totalizer
A visual tool that confirms the declared sources add up to the transaction value.
Smart Fact Finds
Simplified questionnaires that ask only the questions relevant to the case.
Self-learning analysis
Transaction categorisation models improve continuously as they process more data.
Flexible capture
Clients choose Open Banking or document upload, whichever suits the case.
Secure by design
Read-only access and in-platform evidence mean sensitive statements never travel by email.
Evidence by default
Funds traced, sources balanced, evidence kept.
A source-of-funds check has to be defensible. ClearSignal records each identified source, the supporting evidence, the totalizer reconciliation and the reviewer’s sign-off, all together against the case.
See a sample report →Case SOF-3092 · funds log
✓
Bank connected · read-only
6 months · categorised
✓
Sources identified
Salary · property · gift
⚠
Smart fact find sent
One credit needs context
✓
Totalizer balanced · signed off
Sources = transaction value
Dynamic Totalizer
Every source, reconciled to the penny.
The Dynamic Totalizer confirms the declared sources of funds add up to the transaction value, so you can see at a glance whether the case reconciles.
Salary credits£72,000
Property sale£90,000
Documented gift£18,000
Source of Funds£180,000
Salary credits40.000%£72,000
Property sale50.000%£90,000
Documented gift10.000%£18,000
TOTAL= £180,000
✓ Sources = transaction value
Frequently asked
Source of funds, answered.
The client grants read-only access to six months of transaction data through their bank. ClearSignal categorises the activity and identifies each source of funds, with no statements emailed back and forth.
Open Banking connects to roughly 95% of UK banks. Where a client prefers, document upload is available as an alternative.
A visual tool that ensures the declared sources of funds add up to the transaction value, so you can see at a glance whether the case reconciles.
Yes. Access is read-only and evidence stays in the platform, so sensitive financial documents are never shared over email.
Yes. Source-of-funds checks are available through the web portal, Salesforce and the API.
Start free
See source of funds without the statements.
Connect a case through Open Banking and watch six months of funds get traced, categorised and reconciled in minutes.
Open BankingDynamic TotalizerSmart Fact FindsSecure by design