Risk
R.1
Controls must match the risk
FATF Recommendation 1 asks institutions to identify and assess their risks and apply measures in proportion. The customer risk rating is where that starts.
Customer Risk AssessmentYour policy · Every factor shown
Give every customer a risk rating you can explain to an examiner
Customers are rated on the factors your own risk policy defines, the same way every time. Each rating shows which factors drove it, so an examiner can follow the logic without calling your team. When a rating changes, the reason is on record.
Risk engine
Rating your customer base
CUSTOMERS RATED TODAY
1284310
SENT FOR SIGN-OFF
2140
Neha Kapoor
Salaried · savings and card
SCORE 12··
LowScanning
Gulf Star Exchange
Money service business
SCORE 81··
HighScanning
Daniel Brown
Self-employed · current account
SCORE 47··
MediumScanning
Amani Holdings
Real estate developer
SCORE 69··
HighScanning
Sara Ali
Student · wallet
SCORE 8··
LowScanning
Island Imports Ltd
Importer · trade account
SCORE 55··
MediumScanning
AI REASONING · Neha KapoorLow · Score 12
Weighing customer type, geography, product, channel and activity…
DomesticSalary incomeLow cash use
Domestic salaried customer with low cash activity. Rated Low under factors 1, 3 and 5 of your policy.
Your
Risk policy, applied as written
Every
Factor behind the rating shown
Logged
Every rating change and its reason
Why risk ratings don't hold up
Two analysts, one customer, two different ratings
Risk ratings often live in spreadsheets and analyst judgement. They drift apart across teams, rarely get updated, and can't be explained when an examiner picks a file.
Risk
Drift
Ratings set once, never revisited
A rating set at onboarding stays the same while the customer's activity, products and ownership change around it.
Risk
Why?
The examiner asks for the logic
A rating with no factor breakdown can't be defended. "Analyst judgement" isn't an answer an examiner accepts on its own.
What FluxForce delivers
Consistent ratings, with the working shown
The agent applies your risk methodology to every customer and shows which factors drove each result.
CAPABILITY 01 / 06
Your methodology, encoded
Uses the risk factors and weights in your policy.
Covers customer type, geography, product, channel and activity.
Your compliance team approves the methodology before go-live.
Methodology changes are versioned.
CAPABILITY 02 / 06
Explainable ratings
Each rating lists the factors that drove it.
Shows the data behind each factor.
Readable by an examiner without a walkthrough.
The same inputs always produce the same rating.
CAPABILITY 03 / 06
Ratings that update
Watches activity, screening results and profile changes.
Proposes a new rating when a factor changes.
Records the reason for every change.
Upgrades to High go to a person for sign-off.
CAPABILITY 04 / 06
Overrides with a reason
Analysts can override a rating.
Every override needs a reason code.
Overrides are reported for supervisor review.
Patterns in overrides feed methodology reviews.
CAPABILITY 05 / 06
Portfolio view
Shows the risk mix across your book.
Flags concentrations by sector, geography or product.
Feeds your enterprise-wide risk assessment.
Sets review cycles from the rating.
CAPABILITY 06 / 06
Built for examination
Every rating version is kept.
The methodology version used is on record.
Stores evidence in tamper-evident form.
Any rating can be replayed as it stood on a given date.
What changes for your team
Ratings your examiner can follow without a meeting
We'll rate a sample of your book with your own methodology and show you where today's ratings and the agent's differ, and why.
Same
Inputs, same rating
Consistency across teams and branches.
Every
Factor shown
The working behind each rating, in plain language.
Logged
Every change
Old rating, new rating and the reason.
Your
Methodology
Your factors and weights, approved by your team.
Replay
Any date
The rating as it stood on the day an examiner asks about.
The agents on this work
Three AI agents behind every rating
A rating draws on who the customer is, what the rules say and how the customer behaves.
Senior AI KYC/AML Compliance Director
Rhea Ledger
Applies your methodology and proposes each rating.
Factor-based scoring
Screening results in context
Rating change proposals
Director AI Regulatory Compliance
Zara Trustwell
Keeps the methodology tied to your policy and your regulator's expectations.
Policy-to-factor mapping
Methodology versioning
Jurisdiction rules
Senior AI Fraud Risk Analyst
Aiden Flux
Supplies the behavioural view from transaction activity.
Activity baselines
Change detection
Alert history
Where it fits
Risk ratings for every customer book
Risk factors differ by sector and market. The methodology is yours; the agent applies it the same way every time.
RETAIL, SME, CORPORATE
Banking
Focus
Multi-segment books
Scope
Branch consistency
Shadow mode to go-live90 DAYS
Results
One methodology applied across every branch
Ratings update when activity changes
Factor breakdown ready for examiners
FAST-GROWING BOOKS
Fintechs
Focus
High volume
Scope
Changing products
Shadow mode to go-live90 DAYS
Results
Every new user rated on day one
Ratings move with product changes
Evidence your sponsor bank can review
POLICYHOLDERS
Insurers
Focus
Life and investment
Scope
Premium patterns
Shadow mode to go-live90 DAYS
Results
Policyholders rated on your factors
Unusual premium patterns raise the rating
Ratings ready for your regulator
Questions? We Have Answers
Frequently Asked Questions
No. The agent applies your methodology, your factors and your weights. We help you encode it, and your compliance team approves it before go-live.
It proposes changes with the reason. You decide which changes need sign-off; upgrades to High always go to a person.
Each rating lists the factors that drove it and the data behind each one, so the examiner can follow it directly.
The new version is recorded, and the book can be re-rated under it. Earlier ratings keep the version they were made under.
Yes, with a reason code. Overrides are reported for supervisor review.
Yes. The portfolio view shows your risk mix by sector, geography and product.
Take the first step
See how an investigation file is built
Pick one alert type. We'll run the agents in shadow mode on your own data and show you the cases they prepare. Your team decides what happens next.
DeploymentDAY 90
Discovery
Shadow mode
Integration
Controlled go-liveDAY 76–90+
Security and governance