Customer Risk Rating Pipeline

Risk factors scored, weighted into a score, mapped to a due-diligence tier

Customer Risk Rating Pipeline Risk factors scored, weighted into a score, mapped to a due-diligence tier 01 / Sources 02 / Score 03 / Aggregate 04 / Route Customer Profile · type, geography · 01 / Sources · KYC Customer Profile type, geography KYC Account Activity · expected vs actual · 01 / Sources · behavior Account Activity expected vs actual behavior Screening Feed · PEP / adverse media · 01 / Sources · watchlist Screening Feed PEP / adverse media watchlist Factor Scoring · per-factor rules · 02 / Score · explainable Factor Scoring per-factor rules explainable Weight Config · versioned · 03 / Aggregate · documented Weight Config versioned documented Aggregation · weighted score · 03 / Aggregate · score Aggregation weighted score score Analyst Override · with reason · 03 / Aggregate · reviewed Analyst Override with reason reviewed Risk Tier · SDD / CDD / EDD · 04 / Route · decision Risk Tier SDD / CDD / EDD decision Case Routing · queue by tier · 04 / Route · workflow Case Routing queue by tier workflow Audit Log · immutable · 04 / Route · defensible Audit Log immutable defensible attributes static factors activity delta behavioral hits watchlist factor scores scored weights config composite score banded override + reason manual tier decision routed decision record logged Legend primary data policy / PII async batch data store

Explainable Inputs

  • • Each risk factor is scored on its own before anything is combined
  • • Static, behavioral, and watchlist signals stay distinguishable
  • • Labels name the data asset, not a generic API call

Documented Weighting

  • • Weights are versioned config, not constants buried in code
  • • The composite score is reproducible from inputs plus a weight version
  • • Banding the score into tiers keeps the mapping auditable

Defensible Overrides

  • • Analyst overrides require a reason and are treated as a security flow
  • • Every tier decision, model or manual, lands in an immutable log
  • • Routing sends each customer to SDD, CDD, or EDD by tier

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