SmartSaversCompliance AI
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Built for MLR 2017 · FCA-aligned · Human-in-the-loop

Source-of-Funds reviews,
read in minutes — not days.

SmartSavers is the AI-assisted Source-of-Funds and AML onboarding workspace for UK conveyancers, mortgage brokers and estate agencies. Read the case, not the statements — every AI observation is evidence-linked and confirmed by a named reviewer.

View hero sample caseStart guided demo
UK-hosted infrastructure · Role-based access · Full audit logging · Reviewer-attributed decisions
SS-10428 · Aarav & Priya Mehta
£845,000 · 22 Linden Gardens, W2 · Property sale + savings
AI summary

Funds traceable to property sale (£612,500), 11 mo. salaried income (£14,250/mo) and a £220k trust distribution. Two items need review.

⚑ £38,000 inbound wire from Standard Chartered (SG) — request narrative.
Risk score
58/100
Driven by source complexity & one cross-border inflow.
Documents
  • Passports verified
  • Bank statement parsed
  • Trust deed — requested
  • Source narrative — requested

Inside a case

Read the case, not the statements.

Your AI Copilot reads every transaction and writes a compliance-grade narrative with evidence references. You spend your time on judgement calls — not data entry.

  • Plain-English Source-of-Funds summaries with confidence scores
  • Auto-generated client follow-up requests, drafted in your tone
  • Every AI claim links back to the underlying transaction or document
  • Human approval required before any decision is recorded
Open a sample case
Copilot · 87% confidence

The £612,500 receipt on 22 March reconciles with HM Land Registry record TT-887412 dated 19 March. Salary inflows are consistent with stated employment at Beaumont Capital LLP across 11 of 12 months.

Two items need analyst review: a £38k inbound wire from Singapore and a £9.5k cash deposit just under the £10k structuring threshold.
Generated 12 min ago · Awaiting analyst approvalApprove →
Built for UK conveyancing & mortgage compliance workflows
Designed around real AML onboarding operations
Reviewer-attributed decisions, end-to-end audit trail

Inside the workspace

Operational compliance software — not a chatbot.

Explore a sample review
Transactions · SS-10428
14 parsed · 2 flagged
HM Land Registry · Property completion
22 Mar
Property sale
+£612,500.00
Beaumont Capital LLP · Salary
28 Feb
Salary
+£14,250.00
Standard Chartered SG · Inbound wire
14 Feb
Offshore
+£38,000.00
Branch deposit · Mayfair
07 Feb
Structuring?
+£9,500.00
Quilter Trust · Distribution
31 Jan
Trust
+£220,000.00
Risk score · explainable
58 / 100 · Medium
Source complexity72
Geographic exposure65
Transaction patterns48
PEP / sanctions8
Adverse media14
Document transparency56

Each weighting is shown to the reviewer with rationale. Final score requires human confirmation.

Case audit timeline
Tamper-evident · exportable
  1. Today · 10:42 · AI Copilot
    Parsed 142 statement lines · drafted SoF narrative (87% confidence)
  2. Today · 10:48 · L. Okafor
    Reviewed AI summary · requested trust deed from client
  3. Today · 11:14 · Client portal
    Quilter Trust deed uploaded · 4 pages · OCR complete
  4. Today · 11:21 · AI Copilot
    Reconciled £220k distribution · flag cleared (advisory)
  5. Today · 11:30 · S. Whitcombe (MLRO)
    Approved escalation review · awaiting reviewer sign-off
Reviewer workflow
Four-eyes · MLRO escalation
LO
Assigned reviewer
Lola Okafor · Senior AML Analyst
Awaiting evidence
Reviewer note · 11:48

Trust deed received. £38k SG inflow still needs a written narrative from the client before I can recommend approval. Holding for one more business day.

MLRO sign-off required before completion
S. Whitcombe

The platform

Everything an AML team needs — in one workspace.

Replace the spreadsheet, the shared inbox and the four KYC tools with one audit-ready system. Your analysts stay in control; the AI takes the busywork.

Document intelligence

OCR + classification on passports, bank statements, payslips, trust deeds and gift letters. Duplicates and expiries surfaced automatically.

AI Source-of-Funds analysis

Statements parsed into a clear narrative with income patterns, large deposits and unexplained inflows flagged with evidence references.

Explainable risk scoring

Jurisdiction, PEP, sanctions, transaction patterns and adverse media weighted transparently — every flag tells you why.

Reviewer & MLRO workflows

Queues, approvals, escalations and four-eyes review built in. Junior analysts get help; MLROs get oversight.

Audit-ready reporting

Every AI suggestion, document touch and decision is timestamped. Export a defensible compliance pack in one click.

Client portal

Secure, mobile-friendly portal where clients upload documents, answer questionnaires and track progress without email chasing.

How it works

Three steps. Full audit trail.

From first contact to MLRO sign-off, every AI suggestion and human decision is captured for regulatory inspection.

01

Onboard

Create a case in seconds. Invite the client to your branded portal to upload ID, address and statements.

02

Analyse

AI extracts, classifies and reconciles every document. A Source-of-Funds narrative and risk score appear in minutes.

03

Decide

Your analyst reviews the AI summary, requests anything missing, and approves or escalates to MLRO — every step logged.

Trust & compliance

AI you can put in front of your regulator.

Defensible by design

Every AI suggestion carries evidence references and a confidence score. Final decisions stay with your named reviewer and MLRO.

UK-hosted & encrypted

Client documents stored in encrypted UK regions with role-based access and full activity logging.

Audit pack in one click

Export a complete case file — documents, AI logs, reviewer decisions, timestamps — ready for FCA or supervisory inspection.

Cut compliance onboarding to minutes.

Spin up the workspace with mock cases and try the AI Source-of-Funds analysis on a live sample. Bring your own documents when you're ready.

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