Risk

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 to 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 any product-specific checks.

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

Note

When human agents audit completed cases, they cannot change original checks or risk scores.

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

You can also retrieve risk information when calling the Get case status endpoint.

Support

For any questions, contact your Fourthline delivery manager.