To onboard clients compliantly, we must complete a series of identity, bank, and anti‑money‑laundering checks. 

While most of this process is automated through NorthRow, our digital verification platform, there are times when we will reach out to advisers to provide extra documents such as bank statements or driving licences.

Why might a client fail our IDV & BAV checks?

A client can fail a NorthRow check for a few straightforward reasons:

• Identity mismatch – their name, address, or date of birth doesn’t match official records.
• Bank verification issues – the bank account can’t be linked to the client or ownership can’t be confirmed.
• AML or sanctions flags – their name appears on watchlists, PEP registers, or adverse media sources.

What documents will we need from you?

We will always email advisers with our documentation requests, but a few examples of what we might need are:

• Proof of identity – a valid passport, driving licence, or national ID.
• Proof of address – a recent bank statement, utility bill, council tax bill, or mortgage statement.
• Bank verification – a recent bank statement or bank letter showing their name and account details.

All documents must be certified by the adviser and include either their FCA number or the Firm FCA number, dated within the last 6 months and match the details we hold on the platform.

We only request additional information when it’s essential for compliance, fraud prevention, or identity verification. NorthRow streamlines most of the process, but some cases require extra clarity.