Customer Risk Assessment at Onboarding

Deliver Frictionless Onboarding with Accurate Customer Risk Scoring

Apply pre-configured or tailored rules to accurately assess customer risk, ensuring rapid approvals for low-risk clients and complete regulatory compliance.

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Challenges

Challenges We Solve

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Delayed onboarding due to inaccurate risk scoring
Generic customer risk models fail to distinguish low-risk from high-risk customers, creating unnecessary friction for legitimate clients and delaying onboarding.
False positives overload investigators and raise compliance Costs
Over-sensitive customer risk scoring leads to excessive manual reviews, increasing case backlogs, analyst workload, and the cost of onboarding.
Regulatory Exposure from Missed High-Risk Customers
Inability to factor key risk parameters such as source of income, nationality, country of residence, PEP or suspicious profile, allows high-risk customers to slip through, exposing institutions to enforcement actions.
How FOCAL facilitates this use case

How We Score Risk at Onboarding

FOCAL enables institutions to assign accurate customer risk scores using pre-configured and custom rules, across key KYC attributes, creating a holistic risk profile at onboarding.

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Depicting AI-native platform

Build risk scoring logic aligned to your business needs

  • Leverage pre-configured rules to evaluate customer risk across key KYC attributes such as source of funds, nationality, country of residence, occupation, and PEP status.
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  • Build custom rules using various CDD parameters to align with your institution’s risk appetite and compliance needs.
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  • Adjust weights and thresholds for each risk factor to generate accurate customer risk scores, enabling faster and safer onboarding.
Depicting AI-native platform

Fast-track approvals for low-risk customers

  • Define specific approval criteria, allowing the system to process compliant applications instantly.
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  • Reduce manual intervention for low-risk customers with no screening matches.
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  • Instantly approve applicants with no material risk indicators, accelerate account opening, and minimize compliance friction.
Depicting AI-native platform

Ensure transparency and auditability

  • Get a clear breakdown of contributing factors and applied thresholds for each customer risk score.
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  • Validate risk scoring logic, review underlying CDD data, and thresholds for every decision.
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  • Simplify regulatory audits with transparent record of customer risk assessment.
Benefits

How FOCAL improves onboarding decisions

Accelerate onboarding for low-risk customers
Instantly approve applicants that meet configurable low-risk criteria, reducing onboarding times, while delivering a smoother customer experience.
Regulatory compliant, audit ready decisions
Apply automated, rule-based customer risk scoring aligned with your risk appetite and regulatory requirements, with full transparency into contributing attributes and thresholds.
Reduce compliance workload with fewer false positives
Minimize excessive manual reviews by accurately flagging only genuine high-risk customers, enabling your compliance team to focus on material risk.
Advantages

Why Businesses Choose FOCAL

Designed to meet the highest regulatory standards.

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Accurately risk score customers using pre-configured and custom rules.
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Flag high-risk profiles automatically for further investigation.

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Streamline onboarding by fast-tracking low-risk approvals.

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Adapt scoring logic to match your business risk tolerance.

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Enforce early risk visibility before customer relationships begin.
Industries

Industries We Protect

Designed to meet the highest regulatory standards.

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Banks & Financial Services
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Fintech
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Capital Markets
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Financing & Lending
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Insurance
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Buy Now, Pay Later
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Governments & Public Services
Testimonials

Real Results from Real Teams

Hear how FOCAL is helping compliance teams work faster and reduce risk.

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Fair to say that FOCAL’s sanction screening solution is straightforward, reliable, and always available. Not to mention FOCAL’s professional and friendly account managers and subject-matter experts who guided us through the entire process.

Hashem Sbeitan
Risk & Fraud Director

FOCAL has proven to be an invaluable asset for us, resulting in more than 87% reduction in our onboarding time and enhancing our operational efficiency. This has allowed us to easily onboard new customers and grow confidently.

Ali Alshamrany
Risk & Fraud Director

FOCAL allows us to be compliant quickly. We use FOCAL to automate the screening of our customers with relative ease. FOCAL’s ever-evolving offerings never fail to surprise us, and it gives us confidence in the product’s ability to keep up with rising expectations of both regulators and customers.

Hussein Hejles
Director of Compliance
FAQ’s

Frequently Asked Questions

  • How is the risk score calculated?

    FOCAL calculates scores based on predefined parameters such as geography, source of funds, and customer profile.

  • Can I customize the scoring model?

    Yes. The scoring logic can be fully customized to reflect your regulatory environment and internal risk appetite.

    • Onboard Customers Faster With Accurate Risk Scoring

    Accurately risk score customer across multiple KYC/CDD attributes, fast-track low risk applicants while staying compliant with regulations.

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