Fourthline risk scores capture our assessment of the level of risk a client poses you.

Under the 5AMLD, financial service providers must take a risk-based approach to safeguarding the financial system. You are required maintain an audit trail of all risk scores.

We provide risk scores for the following case types:

How it works

The risk score for each case is generated in the Case Review Portal and shared with you as soon as we finish processing the case.

Using our proprietary scoring methodology, we calculate the risk score based on more than 250 checks and, if required, Italian branch checks or any product-specific checks.

Risk score	Risk code
Low	200
Medium	300
High	400
Unacceptable	500

Note

When human agents audit completed cases, they can't change original checks or risk scores.

Italian branch specifics

Italian regulators require you to request the following 7 additional data points from the client during Identity Verification:

Data point	Description
Age of client	How old the client is
Product type	What type of product the client makes, or the type of work they do
Sector of activity	The industry where the client works
Place of work activity	Where the client works
Main source of income / Origin of funds	How the client earns their money, or where their funds came from
PEP status disclosed by client	Whether the client disclosed that they are a PEP of their own accord
Watchlist results	Whether there are any AML hits for the client

We then run these checks through our scoring methodology and add them to the total, which may lead to a higher risk score (e.g. from low to medium, or medium to high) but not to a lower or an unacceptable score.

More information

See Fourthline's CDD Policy – Appendix C, which is available on request.

Product-specific checks

For Client Authentication and Document Authentication, we run the following extra checks (compared to the client's original Identity Verification case) through the scoring methodology:

Client Authentication	Document Authentication
Geolocation match	Birth date and place
IP address match	First name
Selfie photo comparison	Last name
Selfie video comparison	Nationality

Re-KYC

Periodically re-verifying clients significantly reduces your risk of non-compliance with evolving regulations. It also helps you better understand who your clients are and how best to serve them.

Based on the risk score from the client's Identity Verification case during onboarding, we recommend doing new Identity Verifications at the following intervals:

Risk score	Re-KYC
Low	Every 3 years
Medium	Every 2 years
High	Every 1 year

How to get risk scores

We share the risk score in:

All reports
Your Fourthline Dashboard

Download reports via our API by making either of the following requests with the relevant workflowId:

Support

For any questions, contact your implementation manager.

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