The total crosses a threshold
Past twenty per cent of the weighted maximum the file moves to medium risk. Past thirty-five, to high risk. The thresholds are constants in the code, not a hidden per-organisation setting.
0308Risk assessment
A score an inspector can redo by hand.
A file's risk is not a hunch turned into a number. Every answer carries a known weight, every dimension scores against its own maximum, and the result can be replayed from what the file stores.
01The model
Seven dimensions, weighted.
Each dimension scores against its own maximum, then combines with the others according to its weight. Weights are renormalised over the dimensions that actually carry a question: a file whose questionnaire covers no products is not graded on a scale it cannot reach.
- Ownership structure20 %
- Source of funds20 %
- Geography15 %
- Political exposure15 %
- Product or service15 %
- Client profile10 %
- Onboarding channel5 %
Default weights. A sector may propose others, but their sum stays checked against one, otherwise every file's score would be silently rescaled.
02How a file reaches the top
Three paths to high risk.
Crossing the total is only one of them. The other two do not negotiate with an average: a single answer is enough.
An answer triggers enhanced due diligence
Some answers carry an enhanced-diligence marker. They impose high risk whatever the total, because a factor calling for enhanced measures is not offset by good answers elsewhere.
An answer marks a prohibited case
The critical level is not aggravated high risk: it marks a situation the law forbids. What follows is not accepting under enhanced due diligence, but refusing the relationship or ending it.
An incomplete file does not read as less risky
An unanswered question still counts in its dimension's denominator. Without that rule, leaving a question aside would lower the score, and incompleteness would become a strategy.
03What the level schedules
The score sets the date of the next review.
The risk level is not a label at the end of a file: it decides how often the relationship must be looked at again. The next date is computed on saving, not remembered.
| Level | Review | What it means |
|---|---|---|
| Low | 24 months | Standard diligence. Nothing stands out in the questionnaire. |
| Medium | 12 months | Factors accumulate without any single one being decisive. |
| High | 6 months | Enhanced due diligence: additional measures and closer monitoring. |
| Critical | 3 months | Prohibited case. The quarterly review documents the exit, not the continuation. |
04Sector questionnaire
The same core, your own questions on top.
Every organisation answers the shared core. Your category of obliged entity adds its own questions, and may replace a core question where the profession puts it differently.
- 01The core covers geography, structure, governance, funds, cash, political exposure and reputation.
- 02The sector block follows it, with its own weights where the profession warrants them.
- 03The questionnaire version is stamped on the file, so it is always known which grid graded it.
- 04Every answer keeps a snapshot of the question and the option chosen, so a later redesign does not rewrite what was assessed.