Risk Profile

ComplyCube automatically generates an AML risk score for your clients.

A Risk Profile provides you with an AML risk score for a given client. It facilitates a risk-based framework for Client Due Diligence (CDD) and Enhanced Due Diligence (EDD). Furthermore, the risk profile will assist you in shaping your ongoing client relationship. Learn more about Risk Profile.

ComplyCube's proprietary risk model calculates the risk profile. The value of the overall score, or a constituent risk score, will be not_set if the client does not have sufficient details.

The Risk Profile object

Attributes

Attribute	Type	Description
overallRisk	string	The overall risk score. Valid values are: low medium high not_set
countryRisk	object	This contains the country risk score and breakdown. Also, see the countryRisk object below.
politicalExposureRisk	object	This contains the political exposure risk score and breakdown. Also, see the politicalExposureRisk object below.
occupationRisk	object	This contains the occupation risk score and breakdown. Also, see the occupationRisk object below.
watchlistRisk	object	This contains the watchlist risk score and breakdown. Also, see the watchlistRisk object below.
updatedAt	string	The date and time when the risk profile was updated.

Sample Object

{
    "overall": "low",
    "countryRisk": {
        "risk": "low",
        "country": "GB",
        "breakdown": [
            {
                "source": "Federal Bureau of Investigation (FBI)",
                "normalisedRiskScore": "low"
            },
            {
                "source": "FinCEN",
                "normalisedRiskScore": "medium"
            },
            {
                "source": "Financial Action Task Force (FATF)",
                "normalisedRiskScore": "medium"
            },
            {
                "source": "Organisation for Economic Co-operation and Development (OECD)",
                "normalisedRiskScore": "medium"
            },
            {
                "source": "HM Treasury (HMT)",
                "normalisedRiskScore": "low"
            },
            {
                "source": "Central Intelligence Agency (CIA)",
                "normalisedRiskScore": "low"
            },
            {
                "source": "US Department of State (US DOS)",
                "normalisedRiskScore": "low"
            },
            {
                "source": "Transparency International",
                "normalisedRiskScore": "low"
            },
            {
                "source": "World Bank Group",
                "normalisedRiskScore": "low"
            },
            {
                "source": "United Nations (UN)",
                "normalisedRiskScore": "low"
            },
            {
                "source": "Heritage Foundation - Index of Economic Freedom (IEF)",
                "normalisedRiskScore": "low"
            },
            {
                "source": "Basel AML Index (BAI)",
                "normalisedRiskScore": "low"
            }
        ]
    },
    "politicalExposureRisk": {
        "risk": "not_set"
    },
    "occupationRisk": {
        "risk": "not_set"
    },
    "updatedAt": "2020-01-01T14:06:91.913Z"
}

The countryRisk object

Attribute	Type	Description
risk	string	The overall country risk score.
country	string	The country with the highest risk. This can be any country associated with the client, be it the nationality, birth country, address, etc. It will be the two-letter country ISO code.
breakdown	array[object]	This contains all the constituents used to derive the score for the country with the highest risk. It is an array of objects, comprising of the following: source: The name of the country metrics publishing authority. normalisedRiskScore: The normalised risk score for that authority.

The politicalExposureRisk object

Attribute	Type	Description
risk	string	The political exposure risk score.
checkId	string	The check ID that triggered the score.

The occupationRisk object

Attribute	Type	Description
risk	string	The political exposure risk score.
checkId	string	The related check ID that triggered the score.
occupationCategory	string	The occupation category has been risk assessed.
occupationTitle	string	The occupation title has been risk assessed.

The watchlistRisk object

Attribute	Type	Description
risk	string	The watchlist risk score.
checkId	string	The check ID that triggered the score.