Jonathan Blake

Individual client - reference 100014

Active

Onboarding lifecycle

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

Current status: Active
Current step: Approved
Assigned reviewer: Asher Freed
Enhanced due diligence: Not required
Prepared by: Asher Freed
Decision reason: Client is clean

Risk assessment

iFAST floor

Medium

LionGM rule

Medium

Final applied risk

Medium

EDD required

Owner: Asher Freed
Review cadence: 24 months
Next review due: 2028-07-17
Country risk version: 2026-04
Industry risk version: 2026-04
Decided by: Asher Freed

Rationale

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

Individual CDD questionnaire

Full name: Jonathan Blake
Date of birth: 14/09/1985
Nationality: British
Country of birth: United Kingdom
Residential address: 12 Elm Road, London, SW4 7DF, United Kingdom
Telephone: Not provided
Email: Not provided
Occupation: Software engineer
Employer: Monzo Bank Ltd
Tax residence: United Kingdom
Tax identification number: AB123456C
Identity document type: Passport
Identity document number: 563812909
Issuing country: United Kingdom
Issue date: Not provided
Expiry date: 20/03/2031
Proof of address: Not provided
Purpose of relationship: Not provided
Services requested: Cross-border payments and FX
Expected source countries: United Kingdom
Expected beneficiary countries: United Kingdom, EU
Expected monthly value: 3,000 GBP
Expected largest transaction: 3,000 GBP
Expected frequency: Not provided
Source of funds: Salary
Source of funds detail: Monthly salary from a UK employer
Acting for own account: Not provided
PEP exposure: No
PEP associate: Not provided
Sanctions exposure: No
Adverse media: No
Funding account verified: Not provided
First transaction support obtained: Not provided

Internal compliance checklist

#	Item	Status	Owner	Notes
1	Identity and verification	Completed	Asher Freed	Identity checked against the government photo identity document and proof of address.

Documents obtained

No documents recorded

Screening

Result: Pass
Category: None
List version: ComplyAdvantage list snapshot 2026-04
Checked at: 2026-07-17
Reviewer: Asher Freed
Notes: Customer screened against sanctions, politically exposed person and adverse-media lists. No exposure identified. Sumsub check could not be completed: Sumsub screening failed: 409.

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

No transactions recorded

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
2028-07-17	Medium	Due	Asher Freed	Onboarding risk assessment	Pending

Decision history

When	Event	Actor	Detail
17 Jul 2026, 14:17	Approved	Trevor Clein	Active Client is clean
17 Jul 2026, 14:13	Submitted for review	Asher Freed	PendingReview Onboarding file submitted for Asher Freed decision.
17 Jul 2026, 14:07	Risk assessed	Asher Freed	Medium (EDD No, reviewer Asher Freed) Natural person (salaried / self-funded), base risk Low. Occupation "Software engineer". Country "EU" (Medium banding) raises risk to Medium. Material link outside core geographies (UK, EU/EEA, Hong Kong, Israel), enhanced due diligence applies. iFAST floor risk Medium applied as the minimum.

Audit trail

Append-only

When	Action	Actor	Change	Basis
17 Jul 2026, 14:17	Approved	Trevor Clein	PendingReview to Active Client is clean	Policy 2026-04
17 Jul 2026, 14:13	Submitted for review	Asher Freed	RiskAssessed to PendingReview Onboarding file submitted for Asher Freed decision.	Policy 2026-04
17 Jul 2026, 14:07	Risk assessed	Asher Freed	Screening to Medium (EDD No, reviewer Asher Freed) Natural person (salaried / self-funded), base risk Low. Occupation "Software engineer". Country "EU" (Medium banding) raises risk to Medium. Material link outside core geographies (UK, EU/EEA, Hong Kong, Israel), enhanced due diligence applies. iFAST floor risk Medium applied as the minimum.	Policy 2026-04 2026-04/2026-04
17 Jul 2026, 14:07	Screening completed	Asher Freed	Draft to Screening (Pass) Customer screened against sanctions, politically exposed person and adverse-media lists. No exposure identified.	Policy 2026-04 ComplyAdvantage (planned) list snapshot 2026-04
17 Jul 2026, 14:07	Identity verified	Asher Freed	Verified (manual) Identity and verification step completed. Automated provider (Sumsub) is planned, not live.	Policy 2026-04
17 Jul 2026, 14:06	Draft created