Elizabeth Anne Caddlehttps://elizabethannecaddle.journoportfolio.comRSS Feed for Elizabeth Anne CaddleenFri, 11 Sep 2026 00:00:00 +0100Consumer Duty Raised the Bar for Mortgage Advice. Did Adviser Training Keep Up?https://elizabethannecaddle.journoportfolio.com/articles/consumer-duty-mortgage-adviser-training/The Consumer Duty raised expectations for mortgage advice. This article asks whether the qualification and CPD framework gives advisers enough support to meet them.Fri, 11 Sep 2026 00:00:00 +0100https://elizabethannecaddle.journoportfolio.com/articles/consumer-duty-mortgage-adviser-training/Digital Onboarding: Where Convenience, KYC and Customer Risk Collidehttps://elizabethannecaddle.journoportfolio.com/articles/digital-onboarding-kyc-customer-risk/Digital onboarding may verify an identity without revealing coercion, manipulation or who is really controlling the transaction. This article examines the risks hidden by a frictionless process.Fri, 11 Sep 2026 00:00:00 +0100https://elizabethannecaddle.journoportfolio.com/articles/digital-onboarding-kyc-customer-risk/Why Am I Being Asked So Many Questions About My Money?https://elizabethannecaddle.journoportfolio.com/articles/source-of-funds-checks-first-time-buyers/Why firms ask where your deposit came from, what source of funds checks involve and how first-time buyers can prepare without being caught off guard.Tue, 08 Sep 2026 00:00:00 +0100https://elizabethannecaddle.journoportfolio.com/articles/source-of-funds-checks-first-time-buyers/Why Am I Being Asked So Many Questions About My Money? A First-Time Buyer’s Guide to Source of Funds Checkshttps://media.journoportfolio.com/users/506531/uploads/2109bc76-4faa-4f7e-b0d4-2ff7ae94df4a.pdfFirst-time buyers are often surprised by how many questions they face about deposits, gifts and savings. This plain-English guide explains why source of funds checks happen, what evidence may be requested and how to avoid preventable delays.Mon, 07 Sep 2026 00:00:00 +0100https://media.journoportfolio.com/users/506531/uploads/2109bc76-4faa-4f7e-b0d4-2ff7ae94df4a.pdfAML and Property Risk: Why Source of Funds Checks Still Matterhttps://media.journoportfolio.com/users/506531/uploads/c955e8fb-749c-4231-bd79-55203d7b3ac5.pdfSource of funds checks may appear routine, but poor timing or unclear explanations can delay a property purchase and leave buyers facing real costs. This article examines the responsibilities of brokers, lenders and solicitors, and where those responsibilities can become blurred.Mon, 07 Sep 2026 00:00:00 +0100https://media.journoportfolio.com/users/506531/uploads/c955e8fb-749c-4231-bd79-55203d7b3ac5.pdfDigital Onboarding: Where Convenience, KYC and Customer Risk Collidehttps://media.journoportfolio.com/users/506531/uploads/376a692c-1bdb-4a15-95a2-2159a5dd31bc.pdfDigital identity checks can make onboarding faster, but passing a technical check is not the same as understanding the customer. This article examines what can be missed when automation replaces judgement.Mon, 07 Sep 2026 00:00:00 +0100https://media.journoportfolio.com/users/506531/uploads/376a692c-1bdb-4a15-95a2-2159a5dd31bc.pdfConsumer Duty Raised the Bar for Mortgage Advice. Did Adviser Training Keep Up?https://media.journoportfolio.com/users/506531/uploads/c88445ba-a48f-4dae-978e-e527d8ece246.pdfConsumer Duty raised expectations for mortgage advice, but rules alone do not improve customer outcomes. This article examines whether adviser training has kept pace, particularly in more complex cases.Mon, 07 Sep 2026 00:00:00 +0100https://media.journoportfolio.com/users/506531/uploads/c88445ba-a48f-4dae-978e-e527d8ece246.pdf