This looks neat, but I would not call it clear. In cases where I need to check many conditions and return, I would simply use a conditional switch (and also use exact error values instead of generated ones):

  switch {
  case transfer == nil:
      return nil, ErrInvalidTransfer
  case person == nil:
      return nil, ErrInvalidPerson
  // ...
  }

This, to me, is both concise and clear.