compliance: currencyfair using compliance as a pretext for lying about my balances by 100k

In the course of finally closing the banking relationship with Sparkasse Schwaz, I decided to take out 100k EUR of the remaining balance via purported currency converters Currencyfair, to CHF and on to a CHF bank account.

Starting out a year ago as gold at UBS, before UBS closed my account for not yet having an Austrian TIN, and then encountering Sparkasse Schwaz's comically-mishandled compliance ordeal, these funds are now some way through a "compliance cascade", and the costs of pleading to keep them long-ago exceeded their nominal value.

In the latest episode, Currencyfair have encouraged me to send the funds in, only activating checks after they are in possession of them.  Instead of operating the service as normal, and clearing up any checks in the background, they have put the withdrawal "on hold", in a way almost indistinguishable from confiscation.  The amount "on hold" also does not show as an account balance.  The balances are all zero.  The money is not here, but neither is it there.  It has not been sent, but neither does it sit as a balance.

Like most compliancers, Currencyfair are negligent in their handling of would-be confidential documents.  Like most compliancers, they think emailing confidential documents around is just fine, and they encourage this as their primarily mechanism for victims of their compliance process to submit their documents.  The thing with email is not some kind of theoretical issue.  Email is systematically intercepted and permanently archived, at rates approaching 100%.  And everyone knows this.  Therefore, a compliance entity encouraging submission of confidential documents by (plain-text) email is acting with criminal negligence.  They know that what they are proposing guarantees the leak of any confidential documents thus transmitted.

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