AML Risk Scoring
AML risk scoring solution for customer risk assessment in KYC and KYB. Customize risk models to assign AML risk ratings and trigger CDD or EDD workflows.
AML Risk Scoring Overview
AML Risk Scoring generates a customer AML risk rating for KYC and KYB compliance.
It supports a consistent AML customer risk assessment across onboarding and ongoing monitoring. Use it to trigger Customer Due Diligence (CDD) or Enhanced Due Diligence (EDD) based on risk.
AML Risk Scoring supports both ComplyCube’s native risk scores and custom risk models tailored to your AML risk framework.
It’s designed for both individuals and businesses (KYB).
Country risk scores are fully customizable in the Portal. Align them to your internal AML risk framework and policies.
To configure a fully flexible and comprehensive AML risk model that aligns with your AML and risk framework, contact your Account Manager.
Common use cases
Use AML Risk Scoring in any flow where you need a defensible customer risk rating:
KYC onboarding: Create a baseline AML risk profile at account opening.
KYB risk assessment: Score businesses using incorporation, ownership, and granular risk dimensions.
CDD/EDD decisioning: Step up evidence requirements for higher-risk customers.
Workflow decisioning: Use AML risk to route customers through different workflows.
Dynamic questionnaires: Use Smart Form responses to refine risk scores.
Ongoing monitoring: Re-score customers after changes to key identity attributes.
Interactive demo
How AML risk scoring works for KYC and KYB
AML Risk Scoring generates an overall AML risk profile using two types of risk elements: System risks and Custom risk.
System risks
System risks are ComplyCube’s native AML risk indicators. These represent common compliance and fraud-related risk factors, including: Political exposure (PEP), Watchlist exposure, Occupation risk, and Country risk.
These risk scores are automatically calculated using customer details, verification results, and trusted external datasets.
Custom risk
Custom risk allows you to define your own risk elements and scoring logic, while ComplyCube performs the calculation and evaluation for you.
Custom risk can use:
Customer profile data.
Smart Form (i.e. dynamic questionnaire) responses.
Verification check results.
Other captured customer attributes.
This enables businesses to implement organization-specific risk frameworks and decisioning logic.
Risk levels and overall scoring
Each risk element returns one of the following levels: High, Medium, Low, or No Risk.
The overall AML risk profile can then be calculated using one of two models:
Highest risk: Uses the highest detected risk level as the overall result (default).
Weighted score: Combines multiple risk elements into a single weighted result.
Automatic recalculation
The AML Risk Profile is automatically refreshed throughout the client lifecycle, including:
After check completion: Once a verification is successfully completed and validated.
After workflow completion: When a workflow session finishes.
When customer details change: Updates to customer information trigger a recalculation.
When questionnaires or attestations are completed: New submissions can trigger a recalculation of the score.
AML risk factors and scoring elements
Overall Risk
The final AML risk indicator for the customer. This can be calculated using either a weighted score model or a highest risk model. It defaults to the highest risk.
Political Exposure Risk
When a customer is confirmed as a Politically Exposed Person (PEP), this represents the calculated political exposure risk level.
Occupation Risk
Represents the calculated occupation risk level. Certain occupations are considered higher risk due to their potential influence and exposure to corruption.
Watchlist Risk
When a customer is confirmed to be on a sanctions list or watchlist, this represents the calculated watchlist risk level.
Country Risk
Evaluates the customer’s address, nationality, birth country, and incorporation country for businesses.
ComplyCube calculates the score using data from industry-recognized bodies, including:
Corruption Perceptions Index
Federal Bureau of Investigation (FBI)
Financial Action Task Force (FATF)
FinCEN
Freedom House
Index of Economic Freedom
International IDEA Political Finance Database
Organization for Economic Co-operation and Development
Transparency International
US Department of State
World Bank Group
World Economic Forum
This can also be customized to align with your own assessment criteria.
Custom Risk
Define your own risk elements and scoring logic, then let ComplyCube calculate the result on an ongoing basis, using customer data captured across ComplyCube.
Related checks
AML Risk Scoring is typically used alongside:
AML Screening Check for sanctions, watchlist, PEP, and adverse media screening.
Custom Lists to screen customers against your internal watchlists and risk lists.
Related topics
Use these to operationalize AML risk scoring inside an onboarding and decision flow:
Workflows to orchestrate screening and other checks in a single customer journey.
Smart Forms to capture questionnaire data and other customer inputs used in custom risk.
Compliance Policies to apply consistent CDD/EDD rules and feed policy outcomes into custom risk.