Risk scores that update as risk changes

Profiling & Scoring brings together everything known about a client, from who they are and where they do business to how their accounts behave, and weighs it into one score your team can read. Risk carries through relationships, so a connected party raises the score of the client linked to it. Every client is rescored as new activity comes in, so the score reflects how they behave now, not how they looked at onboarding.

How the score is calculated

Every client scored the same way.
Every score explained.

Profiling & Scoring evaluates each client against a configured set of risk factors: where they are based, how they are structured, what documents they hold, and what the rest of the platform has found about them. Each factor is given a class from 1 to 4 and a weight, and together they produce a risk score and a risk class.

The seven factors here are an example. Your institution decides which factors count, how much each one weighs, and where the class boundaries sit.

Class 1Class 2Class 3Class 4

Low below 1.50 · Medium 1.50–2.50 · High above 2.50Boundaries are set by your institution.

Factor · result · classAdds
Transaction Monitoring alertsHigh transactional risk · Class 4 · from Transaction Monitoring
+0.4010% weight
ResidenceSwitzerland · Class 1
+0.1515% weight
Adverse media publicationRelevant publication found · Class 4 · from Natural Language Processing
+0.8020% weight
Complex structureYes · Class 4
+0.6015% weight
Documents and contractsCredit agreement · Class 3
+0.3010% weight
Domiciliary companyNo domiciliary company · Class 1
+0.1010% weight
PEP and sanctions statusNo PEP status · Class 1
+0.2020% weight
More factors as your institution configures them

Change a factor

Something changes. Tonight, the score follows.

When something about a client changes, the factor that holds it changes class. At the next overnight run, the score and risk class are recalculated with it. Try one, or several.

After tonight’s runScale 1.00–4.00 · C-31077Medium risk
Last night 1.85 · MediumTonight 1.85 · Medium
Factor class
Transaction Monitoring alerts10% weight
±0.00
Residence15% weight
±0.00
Adverse media publication20% weight
±0.00
Complex structure15% weight
±0.00
Documents and contracts10% weight
±0.00
Domiciliary company10% weight
±0.00
PEP and sanctions status20% weight
±0.00

Class 1 lowest risk · class 4 highest

Illustrative client. Factors and weights follow the product’s scoring view; your institution sets its own factors, weights and class boundaries.

Risk from connected parties

Risk travels through relationships.
So does the score.

Every client carries two scores: their Current Risk Score, and a Spillover Risk Score that adds risk from the people and companies they’re connected to. A client inherits from their riskiest direct connection, at a weight set for each connection type and direction, through up to five levels. Inherited risk only ever raises a score, and it is recalculated daily.

LEVEL 1weight 50%LEVEL 2weight 25%345+0.50+0.05+0.20Lower risk · passes nothing onLower risk · passes nothing on+0.20 from the account ownerJoint account holderShares an account1.20Owned companyBeneficial ownership2.30Authorised signatorySigns for the account3.55Account ownerConnected to the signatory3.952.55C-31077The client
1

The client starts from their own score: a Current Risk Score of 2.55.

Spillover Risk Score · C-31077
2.55
High risk
Current Risk Score2.55
Level 1 · from the authorised signatoryThe signatory is 1.00 higher. Half of that passes on.(3.55 − 2.55) × 50%+0.50
Level 2 · from the account ownerThe owner raises the signatory by 0.20. A quarter of that passes on.(3.75 − 3.55) × 25%+0.05
Spillover Risk Score3.10

Illustrative client and scores on the 1.00–4.00 scale, calculated as in the product documentation’s worked example. Connection types, directions and the weight at each level are set per institution; five levels is the maximum.

Everything behind the score

On one screen.

A client’s scores and everything they are made of sit on one tab of the client view in DetectX®: Auto calculated risk details. Pick a part to see where it sits and what it means.

Illustrative exampleInvented Names & Data

Current Risk ScoreThe sum of every factor’s normalized score, from the client’s own data. It is recalculated in the overnight run, with each factor as it stands that night. If an analyst sets a score by hand in the AlertViewer, that manual score is used instead.Step 1 of 6

Explore the DetectX® Platform

Every capability adds to the score.

Profiling & Scoring weighs what the rest of the platform finds. Each capability below adds a factor or a connection. Pick one to see what it does.

All capabilities

Profiling & Scoring FAQs

What compliance teams usually ask before they choose Profiling & Scoring.

Something we have not covered?Talk to our team

Your institution. Each factor, its weight and the boundaries between risk classes are configured for you, and can change as your risk policy changes.

Client data, plus what the rest of the platform finds: Transaction Monitoring alerts, adverse media from Natural Language Processing, and behavioural risk from Clustering & Modelling. The more modules in use, the more complete the picture.

Every client is rescored in the overnight run, with each factor as it stands that night, and the date of each calculation is recorded. Spillover risk from connected parties is recalculated daily too.

Profiling & Scoring is the engine. Client Risk Scoring is the solution built on it, which shows each client's score with the alerts behind it and a full audit trail.

Clients are the most common use, but the same engine can profile and score other entities, such as transactions or processes, against criteria you define.

See Profiling & Scoring in a demo

Book a working session on your own client base. Bring your questions about inputs, weighting, banding and recalculation.