Risk scores that update as risk changes
Profiling & Scoring brings together everything known about a client, from who they are and where they do business to how their accounts behave, and weighs it into one score your team can read. Risk carries through relationships, so a connected party raises the score of the client linked to it. Every client is rescored as new activity comes in, so the score reflects how they behave now, not how they looked at onboarding.
How the score is calculated
Every client scored the same way.
Every score explained.
Profiling & Scoring evaluates each client against a configured set of risk factors: where they are based, how they are structured, what documents they hold, and what the rest of the platform has found about them. Each factor is given a class from 1 to 4 and a weight, and together they produce a risk score and a risk class.
The seven factors here are an example. Your institution decides which factors count, how much each one weighs, and where the class boundaries sit.
Low below 1.50 · Medium 1.50–2.50 · High above 2.50Boundaries are set by your institution.
Change a factor
Something changes. Tonight, the score follows.
When something about a client changes, the factor that holds it changes class. At the next overnight run, the score and risk class are recalculated with it. Try one, or several.
Class 1 lowest risk · class 4 highest
Illustrative client. Factors and weights follow the product’s scoring view; your institution sets its own factors, weights and class boundaries.
Risk from connected parties
Risk travels through relationships.
So does the score.
Every client carries two scores: their Current Risk Score, and a Spillover Risk Score that adds risk from the people and companies they’re connected to. A client inherits from their riskiest direct connection, at a weight set for each connection type and direction, through up to five levels. Inherited risk only ever raises a score, and it is recalculated daily.
The client starts from their own score: a Current Risk Score of 2.55.
Illustrative client and scores on the 1.00–4.00 scale, calculated as in the product documentation’s worked example. Connection types, directions and the weight at each level are set per institution; five levels is the maximum.
Everything behind the score
On one screen.
A client’s scores and everything they are made of sit on one tab of the client view in DetectX®: Auto calculated risk details. Pick a part to see where it sits and what it means.
Illustrative exampleInvented Names & Data
e.martiExplore the DetectX® Platform
Every capability adds to the score.
Profiling & Scoring weighs what the rest of the platform finds. Each capability below adds a factor or a connection. Pick one to see what it does.
Profiling & Scoring FAQs
What compliance teams usually ask before they choose Profiling & Scoring.
Your institution. Each factor, its weight and the boundaries between risk classes are configured for you, and can change as your risk policy changes.
Client data, plus what the rest of the platform finds: Transaction Monitoring alerts, adverse media from Natural Language Processing, and behavioural risk from Clustering & Modelling. The more modules in use, the more complete the picture.
Every client is rescored in the overnight run, with each factor as it stands that night, and the date of each calculation is recorded. Spillover risk from connected parties is recalculated daily too.
Profiling & Scoring is the engine. Client Risk Scoring is the solution built on it, which shows each client's score with the alerts behind it and a full audit trail.
Clients are the most common use, but the same engine can profile and score other entities, such as transactions or processes, against criteria you define.
Go Deeper
All resourcesThe solution built on this engine: one score per client, with the alerts behind it and the full audit trail.
See Client Risk ScoringSolutionTransaction MonitoringWhere one of the strongest factors comes from: its alerts count towards each client's score.
See Transaction MonitoringPlatformLink AnalysisSee the connections behind a spillover score: the people, companies and accounts a client's risk comes from.
See Link AnalysisSee Profiling & Scoring in a demo
Book a working session on your own client base. Bring your questions about inputs, weighting, banding and recalculation.