OSINT-011-source-of-wealth-verification-collection

[SUBJECT FULL NAME] - Collection Map

OSINT-011 Source-of-Wealth Verification - collection workspace. Central topic = the wealth holder (subject). Branches = data-point categories for AML/KYC source-of-wealth verification. Drop each collected value as a child node; expand it with where it was found and how it was corroborated. Paste raw tool output into the node’s Notes. → feeds deliverable OSINT-011.

00 · Collection Plan - PIRs & EEIs

The questions this collection must answer + the essential elements of information (EEI) for each. Tick as satisfied. → drives §3 Source-of-Wealth Determination & KYC Recommendation, §4 PIRs, §13 Wealth-Narrative Reconciliation & Verified Findings, §15 Key Assumptions, Collection Gaps & RFIs.

PIR-1 - Origin: What are the material sources of the subject’s accumulated wealth, and are they lawful and documented?

• EEI: all asserted wealth streams named (business exits, compensation, inheritance, investments, RE, professional earnings)
• EEI: each stream’s approximate magnitude and period attributed
• EEI: primary or independent documentation exists for each material stream
• EEI: aggregate of substantiated streams plausibly accounts for apparent wealth

PIR-2 - Corroboration: Does independent evidence corroborate the claimed narrative, in substance and proportion?

• EEI: subject-provided documents cross-checked against independently obtainable records
• EEI: key wealth events (incorporation, sale, estate transfer) corroborated by official/primary source
• EEI: amounts attributed to each stream reconciled with observable asset footprint
• EEI: unexplained wealth gap (if any) quantified and flagged

PIR-3 - Funds: Where do the specific funds entering this relationship/transaction originate (SoF)?

• EEI: originating account/institution and jurisdiction identified
• EEI: payment route traced from origin to client relationship
• EEI: specific funds linked back to a substantiated §6 wealth stream
• EEI: third-party funding, opaque routing, or unlinked tranches flagged

PIR-4 - Concern: Is there any sanctions, PEP-corruption, fraud, tax-evasion, or other illicit-origin nexus?

• EEI: subject screened on OFAC SDN, OFSI, EU Consolidated, UN Consolidated (version dates recorded)
• EEI: PEP status determined (domestic / foreign / int’l-org / close associate or family)
• EEI: adverse media screen covering corruption, fraud, embezzlement, OCG, tax evasion, predicate offenses
• EEI: any sanctions-nexus entity in the holding/ownership chain identified

PIR-5 - Structure: Through what entities/trusts/jurisdictions is the wealth held, and do they obscure origin or control?

• EEI: all holding companies, trusts, foundations linked to subject mapped
• EEI: nominee or layered arrangements identified
• EEI: secrecy/high-risk jurisdiction involvement assessed
• EEI: ultimate beneficial ownership resolved for each structure

Collection gaps / RFIs (running)

• [open item - documentation withheld / closed-jurisdiction records] → route to Asset Tracing node (OSINT-021 / OSINT-023)
• [open item - PEP-family linkage unconfirmed] → escalate to EDD
• [open item]

01 · Target Identity (Wealth Holder)

Resolve the subject’s identity against the stated wealth narrative. Ambiguity here contaminates every downstream stream. → feeds §8 Subject Identity, PEP, Sanctions & Watchlist Screening, Appendix A Subject & Identifier Index.

Legal name & identifiers

• Full legal name:
• AKA / former names / transliterations:
• DOB / YOB:
• Place of birth:
• Nationality / citizenship(s):
• Residence (country / city):
• Tax domicile:
• National / passport ID (partial/redacted):

Identity resolution

• Identity resolution confidence: [Confirmed / Probable / Possible / Unresolved]
• Discriminating identifiers matched:
• Same-name candidates identified & excluded:
• Source of identity resolution (document / registry / biometric):

Cooperation basis

• Documentation received from subject: [Yes / Partial / None]
• Questionnaire / declaration completed:
• RM-sourced narrative:
• Mix / independence of evidence:

02 · Real Property

Immovable-asset holdings corroborated via land registries, property records, and observable listing data. → feeds §6 Source-of-Wealth Reconstruction & Corroboration (Real estate stream), §9 Associated Entities, §13 Wealth-Narrative Reconciliation.

Property holdings

Clone the block per property. Tools: national land registries, HM Land Registry, cadastral portals, PropertyShark, Zillow (US), Rightmove (UK), EPC register, Companies House charges register.

• [property - e.g. 12 Example St, London]
  • Title / registration number:
  • Jurisdiction / registry source:
  • Owner of record (legal title):
  • Subject’s beneficial interest / link:
  • Purchase date / price on record:
  • Mortgage / charge:
  • Corroborates which SoW stream (§6):
  • Attribution confidence: [Confirmed / Probable / Possible]
  • Notes / tool output:
• [property 2]

Gaps / properties not independently confirmed

• [address or description - claimed but not found in registry]

03 · Corporate Holdings & Business Interests

Every entity in which the subject holds/held an interest - the primary vehicle for business-exit SoW. → feeds §6 (Business ownership / exits stream), §9 Associated Entities, Trusts & Beneficial Interests, Appendix D Entity / Ownership & Trust Chart.

Operating / holding companies

Clone per entity. Tools: OpenCorporates, Companies House (UK), Delaware Division of Corporations, SEC EDGAR, national registries, GLEIF, Dun & Bradstreet, Bureau van Dijk / Orbis.

• [entity - e.g. Acme Holdings Ltd]
  • Jurisdiction / reg number:
  • Incorporation / dissolution dates:
  • Subject’s role (director / shareholder / UBO):
  • Equity stake (%) and period:
  • Co-shareholders / co-directors:
  • Revenue / valuation indicators (public filings):
  • Relevant event (sale / liquidation / restructure + date):
  • Corroborating documents (SPA, filing, Companies House):
  • Corroborates which SoW stream (§6): [Business ownership / exits]
  • Attribution confidence: [Confirmed / Probable / Possible]
  • Notes / tool output: ← OpenCorporates, Companies House, SEC EDGAR
• [entity 2]

Exit / transaction evidence

Clone per transaction.

• [transaction - e.g. sale of Acme Holdings, 20XX]
  • Buyer:
  • Stated sale price / consideration:
  • Primary corroboration (SPA, press release, Companies House transfer, public filing):
  • Escrowed / structured payments:
  • Corroboration grade:
  • Notes:
• [transaction 2]

04 · Financial Accounts & Instruments

Accounts, portfolios, and instruments through which wealth is held or transacted - the source-of-funds tracing layer. → feeds §7 Source-of-Funds (Transaction / Relationship), §6 (Investments / capital markets stream), Appendix B Wealth-Source Register.

Declared accounts / institutions

• [institution + account type - e.g. Bank of X, current account]
  • Jurisdiction:
  • Account holder of record:
  • Period active:
  • Linked to which SoW stream:
  • Supporting documentation offered:
  • Confidence: [H/M/L]

Investment / brokerage portfolios

• [platform / custodian]
  • Asset classes held:
  • Approximate value / period:
  • Linked to which SoW stream:
  • Notes:

Specific funds / tranches entering this relationship

SoF tracing - clone per tranche.

• [tranche - e.g. £2 m wire, 20XX-MM-DD]
  • Originating account / institution:
  • Originating jurisdiction:
  • Payment route (intermediaries):
  • Linked to which §6 SoW stream:
  • Concern / flag:
  • Notes / SWIFT / payment records:
• [tranche 2]

05 · Movable Assets

High-value movable assets observable via OSINT (registration records, AIS/FR24, social media, filings). → feeds §6 (Real estate / other earnings context), §13 Reconciliation (unexplained wealth gap check).

Vehicles

Tools: DVLA (UK), NMVTIS (US), state DMV records, plate searches.

• [vehicle - e.g. 2022 Range Rover]
  • Plate / VIN:
  • Registered owner:
  • Source:
  • Confidence: [H/M/L]
  • Notes:

Vessels

Tools: Lloyd’s List Intelligence, MarineTraffic, USCG NVDC, Flag-state registries.

• [vessel - e.g. M/Y Example]
  • IMO / MMSI:
  • Registered owner:
  • Flag / jurisdiction:
  • Notes / AIS screenshot:

Aircraft

Tools: FAA Registry (US), UK CAA G-INFO, ICAO registry, FlightAware, FlightRadar24.

• [aircraft - e.g. G-EXMP Cessna 560]
  • Registration:
  • Owner of record:
  • Flag:
  • Notes:

Art / luxury / collectibles (observable)

• [item]:
  • Source of observation:
  • Estimated value (if public):

06 · Cryptocurrency & Digital Assets

Crypto holdings identifiable via OSINT - wallet addresses declared or linked, on-chain observable flows. → feeds §6 (Investments stream), §7 Source-of-Funds (if crypto used in relationship), §14 Red Flags (if mixing / obfuscation).

Declared / identified wallets

Clone per wallet. Tools: blockchain explorers (Etherscan, Blockchair, Mempool.space), Chainalysis-style clustering heuristics (where licensed), OSINT wallet-discovery via profile/forum mentions.

• [wallet address - e.g. 0xABC…]
  • Chain / asset:
  • Approximate balance / tx volume:
  • First / last seen:
  • Linkage to subject (how attributed):
  • Notable counterparties / clusters:
  • Mixer / tumbler / DEX obfuscation indicators:
  • Corroborates or conflicts with SoW narrative:
  • Notes / explorer output:
• [wallet 2]

Exchange accounts (declared or observed)

• [exchange - e.g. Coinbase, Binance]
  • KYC status (if disclosed):
  • Linked to subject:
  • Jurisdiction:
  • Notes:

07 · Income & Source of Wealth - Narrative Reconstruction

The wealth-stream evidence layer - the analytic core feeding §6 Source-of-Wealth Reconstruction & Corroboration and §13 Wealth-Narrative Reconciliation. One sub-block per claimed stream.

Business ownership / exits

• Claimed:
  • Company name + jurisdiction:
  • Subject’s equity stake & period:
  • Exit event (sale / IPO / liquidation + date):
  • Claimed proceeds / magnitude:
  • Primary corroboration (SPA / public filing / press release):
  • Independent corroboration source & grade:
  • Magnitude plausibility: [Plausible / Partial / Gap]
  • Substantiation: [Substantiated / Partial / Unsubstantiated]
  • Notes:

Employment / executive compensation

• Claimed:
  • Employer / role / period:
  • Claimed compensation (salary + bonus + equity + deferred):
  • Corroborating records (pay slips, stock-option grants, public filings, P60/tax records):
  • Independent corroboration source & grade:
  • Substantiation: [Substantiated / Partial / Unsubstantiated]
  • Notes:

Inheritance / family wealth / gifts

• Claimed:
  • Decedent / donor:
  • Estate / gift amount:
  • Jurisdiction of estate:
  • Corroborating records (probate, grant of representation, deed of gift):
  • Independent corroboration source & grade:
  • Substantiation: [Substantiated / Partial / Unsubstantiated]
  • Notes:

Investments / capital markets

• Claimed:
  • Portfolio / fund / instrument:
  • Gains / distributions claimed:
  • Period:
  • Corroborating records (brokerage statements, fund valuations, tax returns):
  • Independent corroboration source & grade:
  • Substantiation: [Substantiated / Partial / Unsubstantiated]
  • Notes:

Real estate gains

• Claimed:
  • Property + jurisdiction:
  • Purchase / sale prices:
  • Net gain claimed:
  • Corroborating records (land-registry transfer, title deed, conveyancing docs):
  • Independent corroboration source & grade:
  • Substantiation: [Substantiated / Partial / Unsubstantiated]
  • Notes:

Professional practice / other earnings

• Claimed:
  • Nature of earnings:
  • Period and magnitude:
  • Corroborating records:
  • Substantiation: [Substantiated / Partial / Unsubstantiated]
  • Notes:

Unexplained wealth gap (running total)

• Estimated total apparent wealth:
• Sum of substantiated streams:
• Unexplained residual:
• Significance / red-flag status:

08 · Liabilities & Encumbrances

Observed or declared obligations that bear on net wealth and may reveal financial stress or creditor risk. → feeds §11 Litigation, Regulatory & Tax-Integrity History, §14 Red Flags.

Mortgages / charges on property

• [property / lender]:
  • Balance outstanding (if public):
  • Registry source:

Liens / judgments (public records)

• [matter]
  • Jurisdiction / court:
  • Amount / status:
  • Materiality to SoW:
  • Source:

Bankruptcy / insolvency (personal or entity-level)

• [filing]
  • Date / status / discharge:
  • Jurisdiction:
  • Source:

Tax disputes / HMRC / IRS notices (publicly observable)

• [matter]:
  • Status:
  • Source:

09 · Hidden / Nominee Structures

Opacity indicators - layered holding, secrecy jurisdictions, nominee arrangements that may defeat SoW tracing. → feeds §9 Associated Entities, Trusts & Beneficial Interests, §14 Red Flags & Illicit-Origin Indicators.

Trusts / foundations

Clone per structure. Tools: national trust/foundation registers, leaked-data sets (ICIJ Offshore Leaks DB), beneficial-ownership registers (where available).

• [structure name / ref]
  • Type: [Discretionary trust / Foundation / Other]
  • Jurisdiction:
  • Trustee(s):
  • Stated beneficiaries:
  • Subject’s role (settlor / beneficiary / protector):
  • Assets held (claimed / observable):
  • Opacity / flag:
  • Corroborates or obscures which SoW stream:
  • Notes / ICIJ / registry output:
• [structure 2]

Offshore / secrecy-jurisdiction entities

Tools: ICIJ Offshore Leaks, OpenCorporates, Panama/Pandora/Paradise Papers search.

• [entity + jurisdiction]
  • Role (holding / nominee / SPV):
  • Link to subject:
  • Flag (FATF grey-list / secrecy index):
  • Notes:

Nominee arrangements observed

• [indicator]:
  • Nature (nominee director / shareholder):
  • Evidence:

10 · Network & Facilitators

Associates, intermediaries, and facilitators whose relationships bear on the wealth narrative or raise concern - PEP relatives, known lawyers / accountants (professional enablers), or co-investors. → feeds §9 Associated Entities, §8 Screening, §14 Red Flags.

PEP-linked associates / family

Clone per associate.

• [name]
  • Relationship to subject:
  • PEP basis (role / jurisdiction):
  • Shared entity / asset:
  • Concern:
  • Screened (lists / result):
  • Notes:
• [name 2]

Professional facilitators (lawyers, accountants, corporate-service providers)

Clone per facilitator.

• [name / firm]
  • Role in wealth structures:
  • Jurisdiction:
  • Adverse history:
  • Notes:
• [facilitator 2]

Co-investors / business partners

• [name]
  • Shared entity / deal:
  • Screened:
  • Notes:

11 · Sanctions, PEP & Watchlist Screening

Structured screening layer for subject and all linked persons/entities. Every potential match is a pending match until dispositioned with discriminating identifiers. → feeds §8 Subject Identity, PEP, Sanctions & Watchlist Screening, Appendix E Screening-Hit Log.

Subject screening

• OFAC SDN / Consolidated (version date): [No match / Potential / Confirmed]
  • Hit disposition:
  • Discriminating identifiers used:
• OFSI / HM Treasury (version date):
• EU Consolidated (version date):
• UN Consolidated (version date):
• PEP databases (dataset + date):
  • PEP status: [Not PEP / Domestic / Foreign / Int’l-org / Close associate or family]
  • Basis of PEP determination:
• Other lists screened (FinCEN 311 / BIS / SECO / AUSTRAC):

Associated entity screening

Clone per entity screened.

• [entity name]
  • Lists screened:
  • Result: [No match / Potential / Confirmed]
  • Disposition:
  • Notes:
• [entity 2]

12 · Adverse Media & Illicit-Origin Indicators

Targeted adverse-media search covering corruption, fraud, embezzlement, OCG nexus, sanctions evasion, tax evasion, market abuse, predicate offenses. → feeds §10 Adverse Media & Illicit-Origin Indicators, §14 Red Flags.

Adverse media hits

Clone per item. Sources: Dow Jones / World-Check / LexisNexis Diligence (where licensed), Google News, Factiva, national newspaper archives; note language and jurisdiction coverage limits.

• [outlet + date + headline]
  • Theme: [Corruption / Fraud / OCG / Sanctions / Tax / Other]
  • Subject / entity named:
  • Substantiation level: [Substantiated / Reported / Rumour]
  • Source reliability (A–F):
  • Materiality to SoW determination:
  • Notes:
• [item 2]

Illicit-origin indicator checklist (running)

• Wealth generated through public office / PEP role without plausible legitimate compensation
• Unexplained wealth gap exceeding materiality threshold
• Opaque / layered structures defeating tracing
• Funds routed through secrecy or high-risk FATF jurisdiction without plausible explanation
• Asset values inconsistent with disclosed career / compensation history
• Predicate-offense conviction or civil judgment for fraud / corruption
• Sanctions nexus (direct or entity in ownership chain)
• Cryptocurrency obfuscation (mixing, privacy coins, chain-hop)
• Documentation withheld, inconsistent, or apparently fabricated

13 · Geographic & Jurisdictional Risk

Assess each jurisdiction where wealth was generated and/or is held. High-risk or secrecy jurisdictions raise the evidentiary bar. → feeds §12 Geographic & Jurisdictional Risk, §16 Source-of-Wealth Risk Matrix.

Jurisdictions in scope

Clone per jurisdiction.

• [jurisdiction - e.g. British Virgin Islands]
  • Role: [Origin / Holding / Routing / Transit]
  • CPI score / rank (year):
  • FATF status (member / grey-list / black-list / third-country high-risk):
  • Financial Secrecy Index score (year):
  • Sanctions regime active:
  • Risk weighting: [L / M / H]
  • Impact on evidentiary bar:
  • Notes:
• [jurisdiction 2]

14 · Litigation, Regulatory & Tax-Integrity

Legal history bearing on the lawful origin and integrity of the wealth - fraud judgments, disgorgement orders, UWOs, asset-forfeiture, tax-evasion findings. → feeds §11 Litigation, Regulatory & Tax-Integrity History, §14 Red Flags.

Civil / criminal litigation

Clone per matter.

• [matter / case reference]
  • Forum / date:
  • Status: [Pending / Settled / Judgment]
  • Role (claimant / defendant):
  • Materiality to SoW:
  • Source grade:
  • Notes:
• [matter 2]

Regulatory / enforcement actions

• [authority + matter]
  • Date / outcome:
  • Fine / disgorgement:
  • Notes:

Unexplained-wealth orders / asset-forfeiture

• [jurisdiction + matter]:
  • Status:
  • Assets frozen / forfeited:

Tax dispute / evasion (public / observable)

• [matter]:
  • Jurisdiction / authority:
  • Status / outcome:

99 · Collection Admin

Working audit trail - not a deliverable section. Records the evidence base supporting the §17 Annex A Sources & Methodology and Appendix F Full Source Register.

Source register

Every material datum traceable to a graded source. Grade using Admiralty two-axis code (A–F reliability / 1–6 credibility).

• [S-1 - source name]
  • Type: [Primary / Secondary / Tertiary / Subject-provided]
  • Reliability (A–F):
  • Credibility (1–6):
  • Date accessed:
  • Notes (scope / limitations):
• [S-2]

Document schedule (Appendix C mirror)

Every document relied on - corroborate provenance before grading.

• [DOC-01 - document name]
  • Provenance: [Subject-provided / Independently obtained]
  • Authentication status: [Verified / Unverified / Queried]
  • Date:
  • Hash / reference:
• [DOC-02]

Evidence archive

• [screenshot / capture ref + hash + URL + timestamp]:

Wealth-narrative reconciliation ledger (running)

• Stream: | Claimed: | Corroborated: [Y/Partial/N] | Variance: | Status:

Red-flag register (running)

• RF-01: | Severity: [Crit/High/Med/Low] | Dimension (§): | Disposition: [Open / Mitigable / Disqualifying]

Risk matrix (working)

• Illicit-origin likelihood (1–5):
• Materiality / exposure (1–5):
• Residual score (1–25):
• Band: [Low 1–5 / Moderate 6–10 / Elevated 11–15 / High 16–20 / Critical 21–25]
• Governing dimension:

Open gaps / RFIs (verification pending)

• [item - documentation withheld / jurisdiction closed / stream unverifiable] → escalate to OSINT-021 / OSINT-023
• [item - PEP-relative connection unconfirmed]
• [item]