A source of funds document proves where a customer's money came from. MLR 2017 reg 33 asks for that evidence in an enhanced review, alongside source of wealth. Reg 28 wants it verified independently of the customer. anonym.plus removes names, identifiers, and account data from a sample on your device.
When this applies
The proof is often a property completion statement, a share sale, or an inheritance letter. For a politically exposed person the same enquiry is compulsory under MLR 2017 reg 35. A team coaching staff on what to ask for needs the reasoning, not the customer.
How anonym.plus handles it
- Open the file in anonym.plus on your device.
- Local OCR reads scanned bank letters in it.
- The tool flags names, identifiers, and account data.
- Keep the fund-origin reasoning for the lesson.
- Swap each identifier for a label.
- Save the clean sample locally.
What you need to provide
- The proof of origin (PDF, DOCX, or scan).
- An operator (Replace keeps the reasoning readable).
- Optional batch for several samples.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | Eva Roth → [CUSTOMER] |
| Identifiers | UK_NINO | QQ 11 90 77 A → [NINO] |
| Financial | IBAN_CODE | GB82 WEST 1234 → [IBAN] |
| Money | MONEY | £120,000 sale → [AMOUNT] |
| Dates | DATE_TIME | deed 2024 → [DATE] |
| Location | LOCATION | Manchester, UK → [LOCATION] |
Compliance achieved
- Source of funds and of wealth are what MLR 2017 reg 33 asks for in an enhanced review.
- MLR 2017 reg 28 wants that evidence verified from a party independent of the customer.
- For a PEP the same enquiry is compulsory under MLR 2017 reg 35.
- MLR 2017 reg 40 keeps the original evidence for five years.
- Covers 48 languages for cross-border bank letters.
Anonymise funds-origin evidence files offline — see plans & start free →
Limitations & cautions
The firm must keep the original for the reg 40 period. Clean only a training or review copy. A rare asset sale tied to a year can still hint at one customer, so review what stays.
Frequently asked questions
Can I redact the original I retain under MLR 2017?
No. Reg 40 keeps it for five years. Redaction makes a safe sample for training or review.
What counts as an independent source?
Reg 28 asks for verification from a reliable source independent of the customer. A bank statement, a completion statement, or a public register meets that better than the customer's own assertion.
Are cross-border bank letters handled?
Yes. The tool covers 48 languages, so foreign letters are flagged consistently.