Due Diligence for Wealth Managers & Financial Advisers

Wealth managers and financial advisers are often asked to assess people or opportunities that sit outside conventional portfolio analysis: an introducer, private investment, unfamiliar counterparty, overseas business or relationship that carries reputational or financial risk.

Introducer due diligence is especially important where an external party influences a client relationship or investment opportunity; independent research can test identity, permissions, corporate history, connected interests and the underlying commercial narrative.

Introducers and counterparties

Independent research can establish whether an introducer or proposed counterparty has the identity, corporate history, professional background and operating footprint being represented. It can also identify connected companies, prior ventures and adverse information that may deserve further questioning.

Higher-risk client and transaction context

• Ownership and control of private companies or investment vehicles.
• Source-of-wealth or source-of-funds narratives requiring contextual corroboration.
• Politically exposed person or sanctions-related ownership questions.
• Unusual investment claims, business histories or overseas relationships.
• Fraud, impersonation or digital-identity concerns affecting a client.

Sanctions screening is not the whole ownership question

An entity may be affected by sanctions because of ownership or control even where its own name does not appear on the UK Sanctions List. Where this is relevant, deeper corporate research can help identify ownership chains and relationships that merit specialist compliance assessment.

Supporting, not replacing, regulated controls

Carratu International provides investigative and intelligence support. It does not replace a firm's KYC, AML, sanctions-screening, suitability or regulatory procedures. The value lies in resolving contextual questions that automated onboarding and screening systems may not answer.

Concise reporting for advisers

Findings are presented around the decision: what is verified, what is inconsistent, what remains uncertain and whether further enquiry appears proportionate. This allows advisers to use the information alongside their own professional and regulatory framework.