Ng Wei Ling

In progress Below acceptance gate

CaseSG-2026-04417

TypeIndividual + PIC

Declared net worthSGD 18,600,000

NationalityMalaysian

Cycle1

Returned to RM0

0.0% corroborated

SGD 0 of 18,600,000

Acceptance gateFAIL — 60% required

60% gate

Corroborated Partial Recoverable if outstanding items obtained

Client background

Age / DOB52 · 09 Jun 1974
NationalityMalaysian, resident Penang
Employment historyRegional finance director, listed
electronics group, 2001–2019
SOW driversGift · Employment · Property
Declared net worthSGD 18,600,000

Education and pre-2001 employment not established — no source above tier 4 located. Carried as a gap, not as narrative.

Net worth vs SOW

Total SOW accumulated	18,600,000
Declared net worth	18,600,000
Difference	0
Client AUM (expected)	12,000,000
AUM exceeds SOW	No

Reconciliation and percentage-denominator checks pass. FX rates, dates and sources recorded against each foreign-currency line.

Source of wealth breakdown

Chronological, per driver. Corroboration percentage is computed from graded evidence, not entered by hand.

Driver	Row	Amount SGD	%	Material	ML/TF	Primary CE	Secondary CE	Corrob.

Contributor source of wealth not built The gift driver carries 64.0% of declared wealth. Guidance requires the contributor's own source of wealth to be corroborated through the respective driver rows — business ownership and sale of business. Neither has been requested. Until it is, the majority of this file rests on an assertion.

Capacity calculation — employment

Deterministic. Same parameters every run, recorded with the result.

Wage growth 6.0% · ceiling 6%

Savings rate 27% · MY 27 · SG 35

Milestone step of 25% applied at the 2011 promotion. Inflation is carried inside wage growth and not applied a second time. Parameter set and result are written to the audit trail on every recalculation.

Document ingest

Drop what the relationship manager collected. Classification, extraction, grading and cross-reference run on every file.

Drop a file here, or click to browse

Reads real file metadata · extraction is not wired into this build

Tray — click a card to run the full pipeline

Evidence

Graded on two axes — evidence class, and whether the document did the job it was requested for.

Risk acceptance

Answers marked auto are computed. The rest require a human.

Proposed account strategy

Retain

For discussion

Exit relationship

Findings and sources

Every finding in this case, with where it came from. Four provenance classes — nothing appears without one.

Provenance classes Computed derived from case data by a deterministic rule — auditable by re-running it. Document read out of submitted evidence — cites the document, page and clause. Retrieved from an external source — carries URL, retrieval timestamp and tier. Methodology required by written guidance — cites the row.

Governance pack

Generated from case state. Regenerates on every change.