The work they can't afford to get wrong.

The problem

Every mortgage and lending file starts with paperwork: bank statements to check for unexplained deposits, source-of-funds evidence, document completeness checklists that change depending on whether an applicant is PAYE or self-employed. Done by hand, it is slow, and it depends on whoever is doing the scrolling that day catching the same things a compliance officer would.

What we built

An automated statement-review engine that checks every statement against 12 AML flag categories, the same categories a reviewer works through manually, every time, on a daily schedule, with no one needing to remember to run it.

A mortgage document module, built directly from the firm's own rules, that tracks document completeness, flags debt and loan ratios against the Central Bank's mortgage measures, checks mortgage protection insurance status, and flags consent and disclosure timing, all for the adviser's own use.

Secure delivery via Nixer Vault, our own client-hosting platform: magic-link access, versioned documents and a full audit trail, instead of emailing spreadsheets and PDFs back and forth.

The line we don't cross

This tool flags. It never decides. It does not draft a Statement of Suitability, does not recommend a lender, a product or a rate, and never makes or implies a lending decision. Every flag goes to a qualified adviser, who makes the actual call. That boundary was written into the brief from day one and tested before go-live, not bolted on afterwards.

Where it is now

Live since early September. After the first weeks in daily use by the firm's director, it was rolled out across the full advisory team, so every adviser's statement and mortgage-document review runs through the same checks every morning, not just one person's. On one client file alone, the director told us it saved him roughly 10 hours of manual review.