Can I be held liable for assets that passed through my accounts but belonged to someone else?

Potentially, yes. Under most civil recovery regimes, the relevant question is whether the assets themselves are proceeds of crime—not necessarily whether you committed the predicate offence. The UK’s Proceeds of Crime Act allows recovery from third parties who held tainted assets, even innocently. However, you may raise a ‘bona fide purchaser’ defence if you acquired the assets for value without knowledge of their criminal origin. The burden typically shifts to the respondent to prove legitimate acquisition. Demonstrating robust due diligence documentation from the time of receipt substantially strengthens this defence.