Customer Risk Scoring

Precise Risk Assessment Throughout the Customer Lifecycle

FOCAL offers accurate, customizable risk scoring that aligns with your risk appetite and continuously adapts to the evolving customer behavior.

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Features

Adapt to Risk in Real-Time

Assess and monitor customer risk in real-time with configurable scoring that adapts to changing data and regulatory needs.

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Pre-Configured Risk Scoring Rules

Build a 360-degree customer risk profile across multiple factors such as geography, industry, sanctions, PEP, and income source with pre-configured rules library.

Configurable Risk Models

Customize risk scoring rules, adjust risk parameters and screening weights to build custom risk assessment models in line with your internal policies and regulatory requirements.

Continuous Risk Assessment

Automatically update customer risk scores and trigger real-time alerts on critical events like KYC data changes or new watchlist hits, enabling perpetual KYC

Real-time and batch risk assessment

Evaluate customers instantly during onboarding or assess large datasets through batch processing for high-volume periodic due diligence.


Configurable alert triggers

Receive alerts when risk scores exceed defined thresholds, helping teams identify potential risk early and take timely action.

Integrated case management

Access customer risk profile and CDD alerts directly into case management for centralized investigation, escalation, and reporting.

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Benefits

How FOCAL improves customer risk scoring

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Detect onboarding risk with precision
Generate accurate, policy-aligned risk scores at onboarding to support faster approvals for low-risk customers.

Tailor scoring to your institution’s risk appetite
Apply configurable rules and weighted factors so customer risk scores reflects internal policies and regulatory expectations.

Continuous Risk Profiling
Ensure regulatory compliance with a holistic and updated customer risk profile with FOCAL’s perpetual KYC.

Streamline end to end CDD Workflow
Combine screening, scoring, and transaction monitoring in a single flow with centralized case management to track alerts, actions, and outcomes all in one place.
Partner with Compliance Experts
Leverage FOCAL’s experts to support your screening process, covering setup, tuning, and ongoing operations, so you can focus on high-risk cases.
Fraud We Prevent

Use Cases

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Flexible Risk Assessment for Business-Specific 
Risk Appetite
Build tailored risk scoring models with full control over risk criteria and thresholds. Ensure accurate customer classification, reduce false positives, and maintain full compliance with local regulations.
Tailored Customer Screening for Business-Specific Compliance Needs
Configure thresholds, watchlists, and approval workflows to match your business and industry needs, ensuring complete regulatory compliance, reduced customer friction and complete control.
Sanction and Watchlist Screening for high-risk customer onboarding
Screen new customers at onboarding using patented AI to accurately detect high-risk individuals and entities.
Ongoing Customer Risk Scoring and Alerts During Customer Lifecycle
FOCAL continuously evaluates customer risk across KYC data, behavioral patterns, product use, and geography, providing accurate risk profile at every stage of the customer lifecycle.
Customer Risk Assessment During the Onboarding
Apply pre-configured or tailored rules to accurately assess customer risk, ensuring rapid approvals for low-risk clients and complete regulatory compliance.
Ongoing customer screening and alerts during customer lifecycle
FOCAL continuously re-screens customers on every watchlist update or KYC change in the background, ensuring new risks are detected immediately, and compliance gaps are closed.

Related Products

Discover Our Complementary Products to FOCAL Customer Risk Scoring

Customer Screening
Reduce compliance friction with FOCAL’s patented Arabic-first AI designed to match complex Arabic names while accurately supporting Latin scripts. Screen customers against sanctions PEP and adverse media with precision.
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Transaction Monitoring
Monitor every transaction and safeguard your operations against money laundering risk. FOCAL’s advanced platform combines ML models, dynamic rules engine, and built-in Agentic AI for comprehensive transaction monitoring.
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Transaction Fraud
FOCAL Transaction fraud applies AI‑driven risk scoring to every payment, transfer, wallet movement, and card authorization, giving fraud teams real‑time control over transaction‑level risk.
Learn more
Behavioral Biometrics
FOCAL Behavioral Intelligence is a behavior‑driven fraud defense layer that profiles how each user truly interacts across the digital journey, from login to high‑risk in‑app actions. By combining continuous behavioral biometrics for real‑time risk profiling such as typing speed, mouse movements, and scroll patterns, with in‑app events, it surfaces emerging fraud early. This helps reduce false positives and supports seamless customer decisions.
Learn more
FAQ’s

Frequently Asked Questions

  • Can we customize the scoring model to match our risk appetite?

    Yes. Institutions can adjust rules, factor weights, thresholds, and risk categories to reflect internal policies, regulatory expectations, and business-specific risk appetite

  • How often are customer risk scores updated?

    FOCAL updates scores automatically whenever customer information, behavior, or external data changes. This ensures a continuously accurate risk profile without relying solely on periodic manual reviews.

  • How does FOCAL alert teams about changes in customer risk?

    FOCAL triggers alerts when a customer’s score crosses predefined thresholds or when significant new data appears, helping teams identify rising-risk customers early and take timely action.

  • Does FOCAL provide auditability for scoring decisions?

    Yes. FOCAL maintains full scoring history, rule triggers, and factor contributions, enabling complete transparency for audits, regulatory reviews, and internal governance.

  • How does FOCAL’s risk scoring improve decision-making compared to traditional manual assessments?

    FOCAL delivers consistent, policy-aligned scoring using structured rules and weighted factors, eliminating subjective variation and reducing dependency on manual reviews. This leads to faster onboarding, clearer escalation decisions, and more defensible outcomes across the institution.

  • How does FOCAL fit into our existing compliance and risk ecosystem?

    FOCAL integrates seamlessly with onboarding systems, case management tools, and core banking platforms through APIs or batch processes. This allows institutions to embed risk scoring directly into existing workflows without disruption, ensuring smoother adoption and faster time to value.

    • Strengthen AML Compliance with Dynamic Customer Risk Scoring

    See how FOCAL helps you build an always accurate, 360-degree customer profile that enables confident business decisions all the time.

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