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The AML Customer Risk Rating process is the cornerstone of an effective AML compliance programme. An effective AML risk rating model is now expected to assess and define the level of risk associated with each customer in a way that can show that customer risk is understood:
- in line with regulatory expectations;
- in a robust, systematic way that can be adjusted and tailored ; and
- can be documented, updated and demonstrated to key stakeholders.
We offer an end to end approach that helps you
- create, improve and update your customer risk rating model
- calibrate your model using expert judgment and a statistical approach
- implement a customer risk navigation tool to understand, analyze and demonstrate your customer risk rating model going forward
Risk Rating Model Design
Risk Rating Model Design
Policy review and understanding of risk appetite
Identify suitable risk attributes to use (based on our policy review and our knowledge of market practices)
Auto-high risk and out of policy factors
Statistical Calibration
Statistical Calibration
Our AML experience is supported by statistical modelling techniques that explain the dependency between identified attributes and the risk ratings
AML Customer Risk Navigator Tool
AML Customer Risk Navigator Tool
Interactive tool to allow analysis and visualisation of results
Tool allows for risk rating change simulation
Tool allows for comparative analysis (by different dates, parameters etc)
Customer Risk Rating Process
Financial Institutions who have historically built their risk based approach on simple models of who their customers are, are now able to incorporate and present additional factors into their customer risk rating model in a way that meets regulatory expectations.
The interactive AML Customer Risk Navigator Tool allows this risk rating model to be used to guide business decisions.
Why PwC?
We combine our statistical experience with our practical knowledge of current AML market practices and regulatory expectations.
Efficient approach
Efficient approach
Standardised design approach, where we work collaboratively with your teams
Trained staff who can create a sample population for your model
Statistically Supported
Statistically Supported
Statistical techniques can be used to support the expert judgement used to make risk rating decisions
Proven methodology
Proven methodology
PwC experts have delivered more than 10 independent risk calibration projects in recent years
AML Customer Risk Navigator Tool
AML Customer Risk Navigator Tool
Flexible tool that allows for visulationstion and comprehensive analysis
Embedded best market practices
Embedded best market practices
Team has worked on over 120 AML projects in more than 30 countries
Clearly Documented
Clearly Documented
The underlying methodology is clearly documented and transparent for all stakeholders and can be maintained and updated on a regular basis
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