T110 · Cat-12 · AML/KYC & Financial Crime · Identity & Onboarding

Customer Risk Rating Engine

Score individual and entity KYC risk across six FATF dimensions: customer type, product/service type, delivery channel, geographic risk, transaction behaviour, adverse media exposure. Configurable weighting matrix. Outputs composite score (Low/Medium/High/Prohibited), factor-level breakdown, and risk narrative for onboarding files. Maps to FinCEN Risk-Based Approach, EBA Joint Guidelines, FCA FG17/6, MAS Notice SFA04-N02. Export Markdown risk memo and Policy Mandate JSON. Client-side. Zero PII.

FATFRisk ScoringExportMulti-Jurisdiction Policy Mandate
Last Reviewed · 2026-05-19
FATF Rec.10FinCEN Risk-Based ApproachEBA JC 2017/37FCA FG17/6MAS SFA04-N02
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Risk Dimensions (FATF 6-Factor Model)
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Composite Risk Score
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Run tool to score
Regulatory Mapping

Weighting matrix aligns to:
· FinCEN Risk-Based Approach Guidance
· EBA Joint Guidelines on ML/TF Risk (JC 2017/37)
· FCA FG17/6 — Financial crime systems and controls
· MAS Notice SFA04-N02
· FATF Guidance on Risk-Based Approach (2014)

Score → Tier → Action
0–34 · Low — Standard CDD; annual review
35–59 · Medium — Enhanced monitoring; 6-month review
60–84 · High — EDD required; MLRO approval; 3-month review
85–100 · Prohibited — Do not onboard; escalate immediately
Risk Assessment Output
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