Risk Based Approach (RBA) framework.
Dynamic risk assessment based on customer behavior, country, and products
Overview
The Risk Based Approach provides dynamic risk assessment based on customer behavior, country, and products, enabling resources to be directed towards higher risks.
Risk scores are calculated automatically from multiple factors, and customers are classified by risk level — low, medium, or high — so review cadence stays risk-weighted across the portfolio.
Assessments re-run automatically when the factors behind them change, keeping every profile current and directing attention to where risk is concentrated.
Key Features
Risk scoring, classification, and re-assessment across the customer base.
Dynamic Risk Scoring
Automatic risk score calculation based on multiple factors
Customer Classification
Customer classification by risk level (low, medium, high)
Automatic Re-assessment
Automatic risk assessment update based on changes
Benefits
Integrations
How the Risk Based Approach connects with the modules around it — the factors it scores from, the bands it allocates downstream, and the events that trigger re-assessment.
- Customer behavior
- Country
- Products
- Initial risk assessment
- Risk score
- Risk-level classification
- Risk-weighted review cadence
- Risk scoring API
- Classification API
- Re-assessment API
- Automatic re-assessment
- Periodic risk review
- Change-driven rescoring
KPIs
A worked example of one customer's profile — risk score, tier band, and the factors behind it. Figures shown are an illustrative profile, not platform averages.
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FAQs
What factors drive the risk score?
The risk score is calculated automatically from multiple factors — customer behavior, country, and products — so resources can be directed towards higher risks.
How are customers classified?
Customers are classified by risk level into low, medium, and high bands, giving a consistent basis for risk-weighted treatment and review cadence.
When are assessments re-run?
Risk assessments update automatically based on changes, so a profile is re-scored when the factors behind it move rather than only at fixed intervals.
How does the RBA direct resources?
By scoring and banding dynamically, the Risk Based Approach enables resources to be directed towards higher risks and keeps periodic effort risk-weighted.
How does it relate to the Risk Assessment Engine?
The Risk Assessment Engine produces dynamic risk scoring from client profile, country, business type, and transaction behavior; the Risk Based Approach turns those scores into risk bands and review cadence.
Is the score visible across the platform?
Yes. The risk score and band travel with the customer across onboarding, monitoring, and review, so treatment stays consistent across the integrated platform.
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