David Lipson

Individual client - reference 100001

Active

Onboarding lifecycle

1Draft
2Screening
3Risk assessed
4Pending review
5Active

Current status: Active
Current step: Not recorded
Assigned reviewer: Asher Freed
Enhanced due diligence: Not required
Prepared by: Seeded sample
Decision reason: Not provided

Risk assessment

iFAST floor

Low

LionGM rule

Low

Final applied risk

Low

EDD required

Owner: Asher Freed
Review cadence: 36 months
Next review due: 2029-07-17
Country risk version: 2026-04
Industry risk version: 2026-04
Decided by: Asher Freed

Rationale

Natural person (salaried / self-funded), base risk Low. Occupation "Accountant". Material link outside core geographies (UK, EU/EEA, Hong Kong, Israel), enhanced due diligence applies. iFAST floor risk Low applied as the minimum.

Individual CDD questionnaire

Full name: DAVID LIPSON
Date of birth: 17/06/1952
Nationality: Australian
Country of birth: Australia (Sydney)
Residential address: 2 THE CAUSEWAY, MAROUBRA NSW 2035, Australia
Telephone: 61402083328+
Email: dlipson333@gmail.com
Occupation: Accountant
Employer: Retired
Tax residence: Australian
Tax identification number: PENDING
Identity document type: Passport
Identity document number: RA7244834
Issuing country: Australia
Issue date: 25/06/2024
Expiry date: 25/06/2034
Proof of address: Origin Energy utility bill (Issue date 24/03/2026) for 2 THE CAUSEWAY, MAROUBRA NSW 2035
Purpose of relationship: Client
Services requested: Account and FX
Expected source countries: Australia
Expected beneficiary countries: UK
Expected monthly value: 10,000AUD
Expected largest transaction: 10,000AUD
Expected frequency: Monthly
Source of funds: Savings
Source of funds detail: PENDING
Acting for own account: Yes
PEP exposure: No
PEP associate: No
Sanctions exposure: No
Adverse media: No
Funding account verified: Yes
First transaction support obtained: Yes

Internal compliance checklist

#	Item	Status	Owner	Notes
1	Valid ID obtained	Pass	-	Australian passport RA7244834 (issued 25/06/2024; exp 25/06/2034).
2	Verification method recorded	Pass	-	Passport + utility bill (Origin Energy).
3	Proof of address reviewed if risk-based trigger met	Pass	-	Origin Energy utility bill issued 24/03/2026 for 2 THE CAUSEWAY, MAROUBRA NSW 2035.
4	Contact details complete	Pass	Onboarding	-
5	Tax residence and TIN captured where applicable	Pending	Onboarding	-
6	Purpose of relationship recorded	Pass	Onboarding	-
7	Expected activity profile recorded	Pass	Onboarding	-
8	Source of funds obtained	Pending	Onboarding	-
9	Source of wealth obtained if required	Pending	-	-
10	Third-party determination completed	Pending	-	-
11	Sanctions screening completed	Pending	Compliance	-
12	PEP/HIO screening completed	Pending	Compliance	-
13	Adverse media screening completed

Documents obtained

Kind	File	Version	SHA-256	Uploaded by
Passport	AU-passport-RA7244834.pdf	v1	f9e8f2a0e6f35bf7...	Asher Freed
Proof of address	origin-energy-utility-2026-03-24.pdf	v1	bbda074fcd8b074d...	Asher Freed

Screening

Result: Pass
Category: None
List version: ComplyAdvantage list snapshot 2026-04
Checked at: 2026-04-20
Reviewer: Asher Freed
Notes: Customer declared no sanctions, politically exposed person or adverse-media exposure.

Transaction monitoring

Book a transaction to test the client against the monitoring rules. The engine re-runs over the full history and raises any new alert.

Transactions

Date	Dir	Original	GBP equivalent	Corridor	Counterparty	Status
2026-07-02	In	AUD 10,000	GBP 5,200	Australia to UK	Self funding (savings)	Posted
2026-06-02	In	AUD 10,000	GBP 5,200	Australia to UK	Self funding (savings)	Posted
2026-05-03	In	AUD 10,000	GBP 5,200	Australia to UK	Self funding (savings)	Posted
2026-04-03	In	AUD 10,000	GBP 5,200	Australia to UK	Self funding (savings)	Posted

Monitoring alerts

No alerts

This client has no monitoring alerts against their current activity.

Periodic review history

Due date	Risk level	Status	Owner	Trigger event	Outcome
2026-08-06	Low	Due	Asher Freed	Scheduled review	Pending

Decision history

No decision events yet

Risk assessment, review submission and the approval or rejection are recorded here as they happen.

Audit trail

Append-only

When	Action	Actor	Change	Basis
17 Jul 2026, 11:32	Customer onboarded	Asher Freed	Active CDD completed	Policy 2026-04
17 Jul 2026, 11:32	Screening completed	Asher Freed	Pass Customer declared no sanctions, politically exposed person or adverse-media exposure. Independent list screening (ComplyAdvantage) is planned and not yet live, so the automated screening checklist items remain outstanding.	Policy 2026-04 ComplyAdvantage (planned) list snapshot 2026-04