Overview
In most cases, Legl can automatically analyse a client's bank statement and include the results in the Source of Funds review. However, in some cases analysis is not possible. When this happens, Legl displays a message in the review to indicate that the analysis could not be completed, and your firm will need to review the uploaded document manually.
Why this happens
The client uploaded a document that is not a bank statement. For example, a payslip, utility bill, or mortgage offer letter
The image quality of the uploaded PDF is too poor for the AI to extract data reliably
The document format or layout is not one the AI can currently process
The extracted data did not pass Legl's mathematical validation check, meaning accuracy could not be confirmed
ℹ️ Important
A failed analysis does not mean the client's source of funds is unacceptable. It means Legl could not extract data from the uploaded document. Manual review is still required and the matter can still proceed.
What to do next
Open the Source of Funds review in Legl from the client's Engage request.
Review the message indicating that AI analysis could not be completed.
Open or download the document the client uploaded directly from the review.
Review the document manually in line with your firm's AML procedures.
Record your findings and determination in your case management system or internal records.
Requesting a re-submission
If the client uploaded the wrong document or a poor-quality scan, you can ask them to provide a clearer or correct bank statement:
Contact the client directly to explain what is needed: a complete, multi-page PDF bank statement showing transactions across the relevant period.
Resend the Source of Funds request from the client record in Legl if a fresh upload is required.
When the client has uploaded a non-bank-statement document intentionally
In some cases, a client may upload a document that is not a bank statement because it is directly relevant to their source of funds. For example, a mortgage offer letter, a completion statement, or a property sale document. These document types cannot be analysed by the AI, but they may still constitute valid supporting evidence.
Where this applies, you should review the uploaded document as supporting evidence in line with your firm's AML procedures. A failed AI analysis does not prevent you from using the document as part of your review, it simply means the automated extraction could not run.
What happens after you take action
Manual review does not update the Source of Funds review automatically. Your findings should be recorded in your case management system or internal records.
The client does not need to take any further action unless your firm determines that additional or clearer evidence is required.
If you need a clearer bank statement, contact the client directly before resending the request.
Important information
A failed analysis does not mean the client's source of funds is unacceptable. It means Legl could not extract data from the document.
Your manual review findings should be recorded in your case management system, they do not update the Legl review automatically.
Where the client has uploaded the wrong document, clarify what is required before requesting a re-submission.
Non-bank-statement documents, such as mortgage offer letters or completion statements cannot be analysed by the AI but may still be used as supporting evidence at your firm's discretion.
For repeated failures on a valid bank statement, contact Legl Support.