VSI GLOBAL // ENTERPRISE ARCHITECTURE

OSINT-023-source-of-funds-source-of-wealth-report-collection

12 min read

[SUBJECT NAME / ENTITY] - Collection Map

OSINT-023 Source-of-Funds / Source-of-Wealth Report - collection workspace. Central topic = the wealth-holding subject (person or entity). Branches = data-point categories for SoW/SoF verification. Drop each collected value as a child node; expand it with where it was found. Paste raw tool output into the node’s Notes. → feeds deliverable OSINT-023.

00 · Collection Plan - PIRs & EEIs

The questions this collection must answer + the essential elements of information (EEI) for each. Tick as satisfied. → drives §3 Key Judgments, §4 PIRs, §15 Verified Findings Summary, §16 Red Flags, §19 Collection Gaps.

PIR-1 - Claimed narrative: is the subject’s stated source(s) of wealth and funds internally consistent and plausible?

  • EEI: verbatim or closely paraphrased wealth-narrative statement (SoW) obtained and dated
  • EEI: verbatim or closely paraphrased funds-narrative statement (SoF) for the specific transaction/engagement
  • EEI: supporting documentation provided by subject (bank statements, contracts, inheritance docs, tax returns)
  • EEI: claimed narrative cross-checked for internal consistency (dates, amounts, counterparties)

PIR-2 - Documentary substantiation: is the claimed narrative supported by verifiable documentary evidence?

  • EEI: primary documents obtained and assessed (authenticity, completeness, issuer)
  • EEI: secondary corroboration available (public filings, registry records, media)
  • EEI: document authenticity indicators assessed - no fabrication/alteration markers
  • EEI: evidentiary weight grade assigned per document

PIR-3 - Asset reconciliation: is the claimed wealth consistent with the subject’s known asset base?

  • EEI: real property holdings identified and valued at acquisition date
  • EEI: financial accounts and instruments identified (bank, brokerage, pension)
  • EEI: corporate holdings and business interests identified with ownership share
  • EEI: movable high-value assets identified (vehicles, vessels, aircraft, art)
  • EEI: cryptocurrency/digital-asset holdings identified
  • EEI: per-asset funding source matched against claimed wealth narrative

PIR-4 - Pattern-of-life consistency: is claimed wealth consistent with observable lifestyle and expenditure?

  • EEI: observable residence(s) cost estimated and sourced
  • EEI: vehicle fleet, travel, education, charity, luxury-goods footprint assessed
  • EEI: lifestyle aggregate estimated and compared to claimed wealth level
  • EEI: unexplained affluence or lifestyle-funding gaps flagged

PIR-5 - Adverse indicators: are there indicators of undisclosed, unlawful, or misrepresented wealth sources?

  • EEI: PEP status determined and documented with list/date
  • EEI: sanctions screening completed (OFAC SDN/SSI, OFSI, EU, UN, BIS) - version dates recorded
  • EEI: adverse media screened for fraud, corruption, tax evasion, money-laundering, AML enforcement
  • EEI: round-tripping, layering, nominee/shell-company, and offshore-opacity indicators assessed
  • EEI: ACH completed - H1 (narrative true) vs H2 (incomplete) vs H3 (false/unlawful) assessed

PIR-6 - Cross-border / offshore nexus: are there international financial-center or secrecy-jurisdiction connections?

  • EEI: offshore/trust-jurisdiction structures identified and mapped
  • EEI: professional-adviser nexus (trust companies, CSPs, law firms in secrecy jurisdictions) identified
  • EEI: passport/citizenship-by-investment indicators checked
  • EEI: jurisdictional anomalies (wealth in jurisdiction with no clear subject nexus) flagged

Collection gaps / RFIs (running)

  • [open item] → route to [OSINT-019 Asset Trace / OSINT-021 Hidden Asset / OSINT-022 Crypto]
  • [open item]

01 · Target Identity (Subject / Holder)

Establish the subject’s identity to a confirmed standard - unique resolution before any wealth attribution. → feeds §5 Subject Identity & Background, §21 Annex A.

  • Full legal name:
  • Middle name(s) / initials:
  • Maiden / former names:
  • AKA / aliases / trading names:
  • Transliterations / native script:

Biographic identifiers

  • DOB / YOB:
  • Place of birth / nationality(ies):
  • Tax residency / domicile:
  • Passport number(s) (partial):
  • National / government ID (partial):
  • Tax / TIN / LEI / registration IDs:

Professional background

  • Career timeline (employer → role → dates):
  • Key income-generating roles:
  • Business-founder / owner history:
  • PEP indicators (public role, family nexus, close associate):

Address history

  • [address]
    • Dates:
    • Type (primary / secondary / registered):
    • Source / registry:
    • Confidence: [H/M/L]
  • [address 2]

Identity-resolution confidence

  • Resolution status: [Confirmed / Probable / Possible / Unresolved]
  • Matched identifiers:
  • Namesake candidates identified / excluded:
  • Notes:

02 · Real Property

Registry-level identification of all real estate holdings; acquisition date and cost confirm wealth-narrative timing. → feeds §7 Source-of-Wealth Reconstruction, §10 Asset Reconciliation, §11 Pattern-of-Life.

Tools: national land/title registries, county deed records, PACER, Zoopla/Rightmove, Zillow/Redfin, cadastral databases, Google Maps/Street View for property validation.

  • [property - e.g. 14 Baker St, London, UK]
    • Title / deed reference:
    • Registered owner(s):
    • Acquisition date:
    • Purchase price (recorded):
    • Current estimated value:
    • Mortgage / encumbrance:
    • Claimed funding source:
    • Reconciliation result: [Consistent / Partial / Inconsistent / Unexplained]
    • Source / registry URL:
    • Confidence: [H/M/L]
    • Notes / tool output:
  • [property 2]

03 · Corporate Holdings & Business Interests

Identify all business interests; link incorporation, share acquisition dates, and sale proceeds to wealth narrative. → feeds §7 Source-of-Wealth Reconstruction, §10 Asset Reconciliation, §6 Claimed Wealth Narrative.

Tools: OpenCorporates, Companies House (UK), SEC EDGAR, national registries (BVR, Handelsregister, CROSBE, etc.), Orbis/Bureau van Dijk (if licensed), OpenOwnership.org.

  • [entity - e.g. ACME Holdings Ltd]
    • Jurisdiction / registration #:
    • Subject role (director / shareholder / UBO / nominee):
    • Share % / ownership stake:
    • Date of incorporation / acquisition of interest:
    • Date of disposal / exit (if applicable):
    • Sale proceeds (claimed / documented):
    • Business type / sector:
    • Revenue / profit (public filings):
    • Co-directors / co-shareholders:
    • Reconciliation to wealth narrative: [Consistent / Partial / Inconsistent / Unexplained]
    • Source grade:
    • Notes / tool output: ← OpenCorporates, Companies House, OpenOwnership
  • [entity 2]

04 · Financial Accounts & Instruments

Document the subject’s known bank accounts, brokerage, pension, and other financial accounts; verify funds flow for the specific transaction/engagement. → feeds §8 Source-of-Funds Verification, §9 Documentary Evidence Assessment, §10 Asset Reconciliation.

Bank accounts

  • [account - e.g. Barclays, UK - sort code / last 4]
    • Institution / jurisdiction:
    • Account type:
    • Account holder (self / joint / nominee):
    • Period active:
    • Source / how identified:
    • Funds-flow documented (Y/N):
    • Anomalies (unexplained deposits / round-trips / layering):
    • Confidence: [H/M/L]
    • Notes / tool output:
  • [account 2]

Brokerage / investment accounts

  • [institution / platform]
    • Holdings type:
    • Period:
    • Source:
    • Notes:

Pension / retirement accounts

  • [scheme / fund]
    • Value (estimated / stated):
    • Source:

Loans / credit facilities

  • [institution + purpose]
    • Amount / term:
    • Secured on (asset):
    • Source:

05 · Movable High-Value Assets

Vehicles, vessels, aircraft, art, jewellery, watches, wine, collectibles - acquisition dates and costs verify wealth narrative. → feeds §10 Asset Reconciliation, §11 Pattern-of-Life.

  • [asset - e.g. 2021 Rolls-Royce Phantom, Reg. XX21YYY]
    • Category: [Vehicle / Vessel / Aircraft / Art / Jewellery / Collectible / Other]
    • Identifier (VIN / MMSI / tail # / auction lot):
    • Registered owner:
    • Acquisition date / price:
    • Current estimated value:
    • Claimed funding source:
    • Reconciliation result: [Consistent / Partial / Inconsistent / Unexplained]
    • Source:
    • Confidence: [H/M/L]
    • Notes / tool output: ← DVLA, FAA registry, IMO/MMSI lookup, Lloyd’s List, ArtNet
  • [asset 2]

06 · Cryptocurrency & Digital Assets

Wallets, exchange accounts, NFT holdings - on-chain tracing confirms acquisition dates and amounts. → feeds §7 Source-of-Wealth Reconstruction, §8 Source-of-Funds Verification, §10 Asset Reconciliation.

Tools: block explorers (Etherscan, Blockchain.com, Solscan), wallet clustering tools, exchange disclosure (if licensed), OSINT via wallet-to-exchange deposit patterns.

  • [wallet address - e.g. 0xABC…1234]
    • Chain / protocol: [Bitcoin / Ethereum / Solana / Other]
    • First / last transaction date:
    • Approximate balance (USD equivalent, as-of date):
    • Exchange / on-ramp identified:
    • KYC link (exchange identified → subject):
    • Acquisition source (mining / salary / exchange purchase / other):
    • Outflows / conversion events:
    • Mixing / privacy-coin / high-risk-service interactions: [Y / N - detail]
    • Reconciliation to wealth narrative: [Consistent / Partial / Inconsistent / Unexplained]
    • Confidence: [H/M/L]
    • Notes / tool output: ← Etherscan, Blockchain.com, Solscan, block explorer chain
  • [wallet 2]

07 · Income & Source-of-Wealth / Source-of-Funds

The core verification branch - reconstruct all income streams and wealth accumulation events; compare against claimed narrative. → feeds §6 Claimed Wealth Narrative, §7 Source-of-Wealth Reconstruction, §8 Source-of-Funds Verification, §9 Documentary Evidence Assessment.

Employment income

  • [employer / period]
    • Role / salary range (estimated / claimed):
    • Documentary evidence (payslips, tax return, P60):
    • Cumulative estimated earnings:
    • Consistency with claimed SoW: [Consistent / Partial / Inconsistent / Unverifiable]
    • Confidence: [H/M/L]

Business income / distributions

  • [entity + period]
    • Dividends / distributions (claimed / documented):
    • Profit on sale (claimed / documented):
    • Supporting docs:
    • Confidence: [H/M/L]

Investment returns

  • [portfolio / instrument]
    • Return type (capital gain / dividend / interest):
    • Estimated / documented amount:
    • Period:
    • Supporting docs:
    • Confidence: [H/M/L]

Inheritance / gifts

  • [estate / donor]
    • Amount (claimed):
    • Date:
    • Probate / gift-deed reference:
    • Supporting docs:
    • Confidence: [H/M/L]

Asset sales

  • [asset sold]
    • Sale date / price (claimed):
    • Buyer (if known):
    • Supporting docs (sale agreement, transfer deed):
    • Consistency with claimed SoW:
    • Confidence: [H/M/L]

Other claimed sources

  • [source - e.g. legal settlement / prize / royalty]
    • Amount / date (claimed):
    • Supporting docs:
    • Confidence: [H/M/L]

Wealth-accumulation timeline (aggregate)

  • Earliest claimed wealth event (date + source):
  • Cumulative claimed SoW total:
  • Reconstructed SoW total (from evidence):
  • Gap / surplus between claimed and reconstructed:
  • Notes:

08 · Liabilities & Encumbrances

Outstanding debts, liens, court judgments, and encumbrances reduce net wealth and may indicate financial stress or concealment motivation. → feeds §10 Asset Reconciliation, §12 Adverse Financial Indicators, §16 Red Flags.

Mortgages

  • [lender + property]
    • Outstanding balance (estimated):
    • Source:

Other secured / unsecured debt

  • [creditor + amount]
    • Type: [Secured / Unsecured]
    • Source / public filing:

Court judgments / liens

  • [court + case ref]
    • Amount:
    • Status (satisfied / outstanding):
    • Source (court record):

Bankruptcy / insolvency filings

  • [jurisdiction + reference]
    • Status:
    • Source:

Tax arrears / regulatory penalties

  • [authority + amount]
    • Status:
    • Source:

09 · Hidden / Nominee Structures

Offshore vehicles, shells, trusts, nominees - potential concealment of true wealth ownership. → feeds §12 Adverse Financial Indicators, §14 Cross-Border & Offshore Wealth Indicators, §16 Red Flags.

Tools: FinCEN Beneficial Ownership (US), ICIJ Offshore Leaks DB (Panama/Pandora/Paradise Papers), OpenOwnership, national UBO registers where accessible.

  • [structure - e.g. XYZ Trust, Cayman Islands]
    • Type: [Shell company / Trust / Foundation / Holding company / Nominee arrangement]
    • Jurisdiction:
    • Subject nexus (UBO / director / beneficiary / settlor):
    • Opacity level: [Low / Moderate / High / Secrecy jurisdiction]
    • Linked assets (§ reference):
    • Claimed purpose (if any):
    • Source / how identified: ← ICIJ Offshore Leaks, Panama Papers, FinCEN BOIR
    • Red-flag disposition: [Open / Mitigable / Escalated to OSINT-021]
    • Confidence: [H/M/L]
    • Notes / tool output:
  • [structure 2]

10 · Network & Facilitators

Professional advisers, intermediaries, and associates who enabled, structured, or obscured wealth flows - key for tracing concealment. → feeds §12 Adverse Financial Indicators, §14 Cross-Border & Offshore Wealth Indicators, §17 ACH.

  • [name / entity - e.g. Greenfield & Co., CSP, BVI]
    • Role: [Accountant / Lawyer / Trust company / CSP / Nominee director / Broker / Fixer / Other]
    • Jurisdiction:
    • Linked structure / asset (§ reference):
    • Subject nexus (direct / indirect):
    • Adverse indicators (regulatory action, sanctions nexus, adverse media):
    • Source:
    • Confidence: [H/M/L]
    • Notes / tool output: ← company registries, LinkedIn, adverse media, OpenCorporates
  • [associate / facilitator 2]

PEP & close-associate network

  • [associated PEP / family member]
    • Relationship type:
    • PEP category: [Foreign / Domestic / International org]
    • Wealth-transfer nexus (gift / loan / employment / contract):
    • Confidence: [H/M/L]

11 · Pattern-of-Life & Lifestyle Indicators

Observable lifestyle collected from open sources; compared to claimed wealth level to identify unexplained affluence or funding gaps. → feeds §11 Pattern-of-Life & Lifestyle Audit, §10 Asset Reconciliation.

Residence(s)

  • [address / property type]
    • Estimated rental / ownership cost per year:
    • Consistency with claimed wealth: [Consistent / Exceeds / Falls short / Unexplained]
    • Source:

Vehicles

  • [vehicle]:
    • Estimated value / annual cost:
    • Source:

Travel

  • [observed travel / frequent destinations]
    • Estimated annual travel spend:
    • Source (social media, immigration, public records):

Education (self / dependents)

  • [institution + fees estimated]:

Charitable / political donations

  • [recipient + amount + date]:

Luxury goods / memberships

  • [item / club + estimated value]:

Social media lifestyle signals

→ feeds §11 Pattern-of-Life.

  • [platform - Instagram / X / LinkedIn / Facebook / Other]
    • Handle / URL:
    • Content indicators (travel, property, vehicles, events):
    • Attribution confidence: [Confirmed / Probable / Possible]
    • Notes / tool output:

12 · Adverse Financial Indicators

Collect all red-flag signals; grade each and record basis for disposition. → feeds §12 Adverse Financial Indicators, §16 Red Flags & Notable Indicators, §17 ACH.

PEP & sanctions screening

  • Subject screened against:
    • OFAC SDN / SSI (version date): [Clear / Potential match / Confirmed]
    • OFSI Consolidated (UK) (version date):
    • EU Consolidated Sanctions (version date):
    • UN Consolidated (version date):
    • BIS Entity / Denied Parties (version date):
    • PEP databases (Dow Jones / World-Check / ComplyAdvantage):
    • Disposition (true / false / inconclusive) + discriminating identifiers:

Adverse media - financial crime, corruption, tax, AML

  • [outlet + date]
    • Substance:
    • Reliability (A–F) / Credibility (1–6):

Fraud / corruption indicators

  • [indicator - e.g. prior prosecution, regulatory enforcement, asset-freeze]
    • Basis:
    • Severity: [Crit/High/Med/Low]
    • Disposition: [Open / Mitigable / Escalated]

Unexplained wealth / lifestyle-funding gap

  • Gap description:
    • Estimated quantum:
    • Basis:
    • Severity:

Structural red flags (offshore, layering, nominee, round-tripping)

  • [indicator]
    • Structure / mechanism:
    • Basis:
    • Disposition:

13 · Cross-Border & Offshore Wealth Indicators

Map all international financial-centre and secrecy-jurisdiction connections. → feeds §14 Cross-Border & Offshore Wealth Indicators, §16 Red Flags.

  • [indicator - e.g. BVI holding company, no known business nexus]
    • Jurisdiction:
    • Related wealth source (§ reference):
    • Subject nexus explanation (if any):
    • Opacity level: [Low / Moderate / High / Secrecy jurisdiction]
    • Citizenship-by-investment / golden-visa indicator: [Y / N]
    • Source grade:
    • Notes:
  • [indicator 2]

99 · Collection Admin

Working register - not a deliverable section, but the audit trail behind it. → feeds §21 Annex A, §22 Annex B (Appendix F - Full Source Register).

Source register

Every material datum traceable to a graded source (Admiralty A–F / 1–6).

  • [S-1 - source description]
    • Type: [Primary / Secondary / Tertiary]
    • Reliability (A–F):
    • Credibility (1–6):
    • Date accessed:
    • URL / reference:
  • [S-2]

Evidence archive

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

Documentary evidence register (per §9 / Appendix C)

  • [document type - e.g. bank statement Jan–Dec YYYY]
    • Issuer / source:
    • Date / period:
    • Authenticity assessment: [Authentic / Likely authentic / Unverifiable / Suspect / Fabricated]
    • Completeness: [Complete / Partial / Incomplete]
    • Evidentiary weight: [High / Moderate / Low / None]
    • File ref:

Open gaps / verification pending

  • [item - e.g. tax returns YYYY not obtained - impact on PIR-2 HIGH]
  • [item - e.g. beneficial-ownership register not accessible for [jurisdiction] - escalate to OSINT-021]

RFI log

Collection closure checklist

  • All PIR EEIs addressed or gaps documented
  • All documentary evidence registered and graded
  • Red flags dispositioned or escalated
  • ACH completed (§17)
  • KAC completed (§18)
  • Substantiation determination reached (§20.1)
  • Report ready for analyst review

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