# Mike.ai Scottish completion risk radar

Boundary: Controlled-data sample Scottish completion control surface. Not affiliated with any law firm and not legal advice.

A manager-facing risk radar for Scottish conveyancing completion pressure: advance notices, RoS, LBTT/ADS, lender, AML/source-of-funds, cashroom and export locks in one view.

## Narrow Advantage

This is the clearest current Mike.ai wedge over broad legal AI: a Scotland-specific completion control surface that answers what a property manager must clear before the readiness pack can leave.

## Status

- Portfolio readiness: 74/100
- Critical lanes: 2
- Locked matters: 3
- Expiring advance notices: 2
- Reviewer gates: 4

## Signals

- Portfolio readiness: 74/100 (watch). Average readiness across the fictional Scottish completion portfolio.
- Expiring advance notices: 2 (critical). Sample matters with five or fewer days remaining in the visible advance-notice window.
- Locked matters: 3 (critical). External readiness outputs remain locked where evidence or reviewer gates are unresolved.
- Reviewer gates: 4 (watch). Named review points across title, tax, AML/source-of-funds, lender and cashroom lanes.

## Control Lanes

### Advance notice window

Risk: critical
Owner: Title operator
Target: Protection window visible before completion pack release.
Blocker: One purchase matter has a narrow remaining window and no partner-cleared contingency note.
Source: RoS-AN-Policy-01
Export locked: true
Next action: Confirm notice position, diarise expiry pressure and lock external readiness note until reviewer clears.

### LBTT and ADS return

Risk: watch
Owner: Tax/checklist operator
Target: Tax status and ADS question recorded before completion-day readback.
Blocker: ADS position is marked client-to-confirm on one file.
Source: RS-LBTT-Checklist-04
Export locked: true
Next action: Request confirmation and route ambiguous ADS answer to partner review.

### AML and source of funds

Risk: critical
Owner: AML reviewer
Target: No external pack where source-of-funds evidence is unresolved.
Blocker: Gifted deposit narrative is incomplete on the highest-pressure matter.
Source: AML-SOF-07
Export locked: true
Next action: Hold completion readiness export until reviewer records sufficient evidence.

### Lender funds and instructions

Risk: watch
Owner: Fee earner
Target: Mortgage conditions, certificate of title and funds timing visible by matter.
Blocker: One lender condition remains marked conditional.
Source: Lender-Pack-03
Export locked: false
Next action: Escalate conditional item before 16:00 day-before-completion checkpoint.

### Cashroom and completion statement

Risk: ready
Owner: Cashroom liaison
Target: Ledger, client balance and completion statement reconcile before release.
Blocker: No unresolved blocker in the sample metadata.
Source: Cashroom-Statement-02
Export locked: false
Next action: Keep monitoring until final funds receipt is recorded.

## Matter Radar

- NLG-214 purchase: Purchase with mortgage and gifted deposit. Risk critical. Target 2026-07-03. Advance notice days 3. Readiness 62. Export locked true.
- NLG-219 sale and purchase: Linked sale and purchase chain. Risk watch. Target 2026-07-04. Advance notice days 8. Readiness 76. Export locked true.
- NLG-225 remortgage: Remortgage with discharge evidence. Risk ready. Target 2026-07-08. Advance notice days 14. Readiness 86. Export locked false.
- NLG-231 purchase: Cash purchase with ADS question. Risk watch. Target 2026-07-09. Advance notice days 5. Readiness 71. Export locked true.

## Day Of Completion Controls

- 09:00 Risk huddle: Review critical lanes, expiring advance notices and blocked exports. Owner: Property manager. Locked until: All critical lanes have owner and next action.
- 11:00 Funds and lender checkpoint: Confirm funds timing, conditions, ledger state and completion statement. Owner: Fee earner and cashroom liaison. Locked until: Conditional lender or ledger items are cleared or escalated.
- 14:30 Title and tax checkpoint: Confirm RoS, advance notice, LBTT/ADS and registration-readiness states. Owner: Title/tax operator. Locked until: Tax ambiguity and title exceptions are partner reviewed.
- 16:00 Export release gate: Release only internal readiness note, missing-evidence list or locked partner pack. Owner: Partner reviewer. Locked until: No high-risk unresolved item remains on client-facing output.

## Buyer Questions

- Why is this stronger than a broad legal AI assistant? It is a portfolio control surface for Scottish completion pressure: advance-notice window, RoS, LBTT/ADS, lender, AML/source-of-funds, cashroom and export locks are visible together.
- Does the public route process client documents? No. It uses controlled sample data, with no private document body storage, no real matter data and no real-firm endorsement language.
- What must be live before private use? Live Cloudflare Access application readback, private source-vault retention/deletion drill, persistent reviewer actions, signed document access and approved Microsoft/DMS import controls.

## Public Research References

- Registers of Scotland advance notices: https://www.ros.gov.uk/services/advance-notices. Used only to shape public metadata labels around advance-notice timing and title controls.
- Revenue Scotland LBTT: https://revenue.scot/taxes/land-buildings-transaction-tax. Used only to shape metadata labels around LBTT/ADS completion controls.
- Law Society of Scotland AML support: https://www.lawscot.org.uk/members/business-support/anti-money-laundering/. Used only to shape reviewer-gate language for AML/source-of-funds controls.