KYC Risk Rating Points Model Calculator
Score caller KYC risk model while separately bounding unresolved evidence, no missing-as-zero risk classification or universal points. Caller independently verifies edition, jurisdiction, applicability and one currency; screening does not establish legal compliance, coverage or bank approval.
Description
A points model combines supplied risk factors with known applicability evidence.
A points model combines supplied risk factors with known applicability evidence.1
Unknown factors contribute a possible additional score rather than an invented observed risk rating. Use KYC Risk Rating Points Model Calculator to evaluate the supplied inputs under the model explained below.
When to use KYC Risk Rating Points Model Calculator
Use KYC Risk Rating Points Model Calculator to evaluate the supplied inputs under the model explained below. Establish the currency and minor-unit convention, measurement period and applicable transaction or institution context.
How to use KYC Risk Rating Points Model Calculator and understand its results
- Establish the currency and minor-unit convention, measurement period and applicable transaction or institution context.
- Enter Caller kyc factor ids, Caller factor points, Observed factor applies flags, Known factor evidence flags, Caller review points floor using the field table and validation rules below, then run the tool.
- Read Known kyc points, Maximum unresolved additional points, Known points reach review floor, Unresolved evidence could reach floor; interpret the units, signs, ordering and unknown-value placeholders described below.
- Correct reported input errors and rerun. Apply successful results according to their specific meanings and check the assumptions before using them in a decision.
| Input field | Meaning | Value type | Requirement |
|---|---|---|---|
| callerKycFactorIds | Caller kyc factor ids | array of string | Required; constraints below |
| callerFactorPoints | Caller factor points | array of number | Required; constraints below |
| observedFactorAppliesFlags | Observed factor applies flags | array of number | Required; constraints below |
| knownFactorEvidenceFlags | Known factor evidence flags | array of number | Required; constraints below |
| callerReviewPointsFloor | Caller review points floor | number | Required; constraints below |
Enter unique nonblank factor IDs, aligned nonnegative finite points and binary applies/known arrays, and a nonnegative caller review floor. Sum points for known positive factors; separately sum all unknown-factor points regardless of their placeholder applies values. Known points reach the floor inclusively. Unknown evidence could reach it only when unknown points>0, known points<floor and their sum≥floor. No probabilistic risk score or installed KYC policy is provided.
known=Σpoints where known AND applies; unresolved=Σpoints where NOT known Use the field order, units and branch conditions described above.
| Output field | Meaning | Value type |
|---|---|---|
| knownKycPoints | Known kyc points | number |
| maximumUnresolvedAdditionalPoints | Maximum unresolved additional points | number |
| knownPointsReachReviewFloor | Known points reach review floor | boolean |
| unresolvedEvidenceCouldReachFloor | Unresolved evidence could reach floor | boolean |
{
"input": {
"callerKycFactorIds": [
"geography",
"activity"
],
"callerFactorPoints": [
10,
20
],
"observedFactorAppliesFlags": [
1,
1
],
"knownFactorEvidenceFlags": [
1,
0
],
"callerReviewPointsFloor": 25
},
"output": {
"knownKycPoints": 10,
"maximumUnresolvedAdditionalPoints": 20,
"knownPointsReachReviewFloor": false,
"unresolvedEvidenceCouldReachFloor": true
}
}Limitations and assumptions
Unknown factors contribute a possible additional score rather than an invented observed risk rating. Apply the exact scope and assumptions explained above.
All listed fields require explicit values. Unexpected fields, incorrect types, nonfinite numbers and sparse arrays fail validation. Domain-specific bounds, alignments and supported tokens are explained above; extremely large inputs or outputs can also be rejected. Input errors differ from successful false results, empty match lists and unknown-evidence placeholders.
Alternative or Complementary methods
Use EDD Trigger Checker for a related task: Enhanced due diligence triggers depend on the institution's applicable risk policy.
Use Beneficial Ownership Control Prong Checker for a related task: A beneficial-ownership control-prong assessment requires defined evidence of the relevant person and role.
References
-
KYC Risk Rating Points Model Calculator — tool.io
Similar or alternative tools
- EDD Trigger Checker
Enhanced due diligence triggers depend on the institution's applicable risk policy.
- Beneficial Ownership Control Prong Checker
A beneficial-ownership control-prong assessment requires defined evidence of the relevant person and role.