Customer Risk Profiling Features

Score Every Customer, Consistently, Across Every Risk Landscape

Customer Risk Profiling applies FATF's Risk-Based Approach to every customer in the book — combining customer, transaction, geographic, channel and product data into one calibrated score, so due-diligence effort goes where the actual risk sits.

• Multi-Factor Risk Scoring Engine — customer, product/service, geography, and delivery-channel risk are combined into a single composite ML/TF score, per FATF's Risk-Based Approach.
• Configurable Risk Value Setup — compliance defines the weight assigned to each risk variable (occupation, PEP status, geography, channel, product) rather than relying on a fixed vendor formula.
• Low / Medium / High Risk Banding — score ranges are calibrated by the institution and mapped automatically to the required level of due diligence.
• On-Demand and Scheduled Batch Re-Profiling — every customer is re-scored on demand or automatically each quarter, so ratings never go stale between onboarding and the next review.
• Automatic High-Risk Routing to ECDD — any customer whose composite score crosses the High threshold is auto-escalated into Enhanced Customer Due Diligence, with source-of-funds and source-of-wealth verification.
• Manual High-Risk Override — compliance officers can escalate a customer to High Risk outside the standard scoring model for exceptional cases — adverse media, regulator direction, or internal intelligence.
• National Risk Assessment (NRA) Alignment — sector and product vulnerability findings from Nepal's National Risk Assessment feed directly into the risk-landscape weighting.
• Multi-Landscape Data Ingestion — pulls inputs from CBS account data, KYC/KYM declarations, transaction history, geography/branch data, and screening results into one scoring pipeline.
• Risk Profile Reports — consolidated, point-in-time and historical risk reports for on-demand review, board reporting, or regulator inspection.
• Compliance 360 Hand-Off — every High-Risk or ECDD case opens directly into the Compliance 360 investigation view, with behavioural, network, geographic, and typology intelligence already attached.
• Full Audit Trail on Scoring Changes — every re-profiling event, override, and weight change is logged with who, when, and why, for regulator inspection.
• Batch and Ad-Hoc Scoring Modes — supports scheduled institution-wide batch re-scoring as well as ad-hoc single-customer re-scoring triggered by an event such as a large transaction or a list hit.