Demos · Set up the Risk Based Approach Guided demo
Guided demo

Set up the Risk Based Approach

Define risk levels, then use the two scoring methods to decide how each client is rated. This is the core compliance control.

For compliance officers

Step 1. Turn on RBA and set the bands

Risk levels and 0 to 10 score bar
Risk Levels on a 0 to 10 score bar with draggable thresholds.
  1. Open Settings > Client Profile and turn on Risk Based Approach. This toggle exposes the whole risk model, so nothing below appears until it is on.
  2. Drag the thresholds on the 0 to 10 bar to set the Low, Medium, and High bands. Defaults are Low 0 to 3.00, Medium 3.00 to 8.00, High 8.00 to 10. The bands share exact edge values of 3.00 and 8.00, which decides where a borderline score lands.
  3. Press Save. Use the + to add more levels if you need them.
How a score becomes a levelA client's computed risk score sums every data point marked Contributes to Risk Score. That total lands in a band, and the band becomes the client's risk level. An Auto Classify on Value rule can override this and set the level directly. Both methods are introduced in Step 3.

Step 2. Add a data point to score

Data Point for Risk Classification editor
Each DPRC card sets a data point, a Risk Behaviour, and a values mapping.
  1. Press Configure Risk Profile.
  2. Press + to add a Data Point for Risk Classification.
  3. Expand a flow on the left and choose the data point, for example Nationality.

The left panel is Data Points Available For All Created Flows. Every flow expands into its captured data points, grouped Engagement, Applications, and Clients. A Search Mapping Key box filters the list, and field type icons show the data type, such as text, date, or email. These are the client attributes you can score on. They come from your captured flow steps, so see Flow Builder for how they are collected.

The right panel is Clients Risk Score Structure. It lists the DPRC cards you have added and shows a running Total Weights. A + adds another DPRC.

Step 3. Choose one of the two methods

Contributes to Risk Score

The value adds a weight to the total score, which lands in a band. Use it for factors that should add up, like nationality plus occupation plus product.

Auto Classify on Value

The value sets the risk level directly and overrides the score. Use it for hard rules, like a sanctioned country always being High.

  1. Set Risk Behaviour to the method you want.
  2. Open Values Classification Mapping to open a per value editor. For each possible value of the data point you assign either a weight (for Contributes) or a target risk level (for Auto Classify). Use Add Custom to map a specific value, Add Decision, and the add row control to build the list.
  3. Repeat for every risk factor, watch the Total Weights, then Save.
A weighted exampleWith Contributes, values add up. Map nationality to +2, occupation to +3, and PEP to +5. Those weights sum into Total Weights, and the total then lands in a Low, Medium, or High band. This is how the abstract score becomes a concrete risk level for the client.
Best practiceBuild a weighted profile for the everyday factors, then add one or two Auto Classify rules for absolute red lines. Together they give a fair score with hard overrides where they matter.

Step 4. Tie AML outcomes to automatic actions

Below the risk model on the Client Profile page sits a separate AML Actions Auto Risk Classification area, with its own +. It defines automatic actions tied to AML outcomes. This is distinct from the per data point scoring above. The scoring above rates the client, while this area reacts to a screening result. For the AML screening context, see Compliance guide, Screening.

← Back to the Compliance guide

Related: Flow Builder for where scored data points are captured · Glossary for DPRC and Total Weights. The same data tree that feeds scoring also feeds Split logic and Client Profile mapping.