Retire the spreadsheet. Score every customer against the four FATF dimensions with 240+ configurable rules, tier it to your own risk appetite, and trace any score back to the exact factors that produced it, so a low-risk customer moves fast and a high-risk one is caught, not averaged away.
A configurable, orchestrated FATF four-dimension scoring engine inside Compliance Hub that replaces the manual AML workbook one person maintains. You weight it, tier it, override it, and backtest every change before it goes live, and every score and change is an immutable audit event.
"Onboarding, risk assessment and screening run with role-based permissions on one shared platform, so the tension between our AML obligations and the client experience our brand demands is finally resolved."
Shipped, non-AI, and running on your own data. Set your appetite, protect against the single high-risk factor, test a change before it moves a real customer, and show your working in one click.
Score every customer across Customer, Geographic, Product or Service, and Delivery Channel, weight each dimension yourself, and edit the model in Studio as configuration, not a change request. 240+ configurable rules, and same-day changes rather than a multi-week vendor cycle.
See StudioA weighted composite produces the score, and the overall tier follows FATF guidance: the highest individual dimension sets the customer tier, so a single high-risk factor is never averaged away. The Geographic dimension starts from a 209-country database carrying 16 risk indicators each, including FATF grey and black-list markers.
See the FATF dimensionsRun a challenger in shadow against live cases and backtest a proposed change across your whole historical book, so you see the re-tiering delta before a single real customer moves, then promote only when the evidence is in. Every change and promotion is one of 32 immutable audit event types.
See challenger testingEvery score carries an evidence chain back to the factors that produced it, and every override is recorded with a reason, a named user, and a timestamp, exported for a regulator from one record. Governed by role-based access, with four-eyes on high-risk changes.
See the audit trailUnder every score, an evidence chain you export for a regulator in one click. Through every change, a backtest and four-eyes sign-off. That is what having your back looks like.
In Zenoo Labs we are testing a Risk Model Copilot, one of ten specialised AI agents, that suggests scoring changes and pre-runs the what-if backtest for you, plus a Screening Resolver that triages matches so the Customer dimension carries fewer false positives. In alpha and beta with design partners, human-in-the-loop and opt-in. Nothing goes live until a person approves the promotion.
A low-risk customer moves fast, a high-risk one is caught, and every score holds up when a regulator asks.
Change your model and promote it the same day, versus the multi-week cycle a vendor change request takes.
Yes. The Compliance Hub scoring engine is designed to replace the manual spreadsheet one person maintains. You configure the four FATF dimensions and their weights in Studio, run a backtest against your historical book before going live, and the workbook becomes an immutable audit trail rather than a living document somebody edits.
Yes. Studio's Risk Model Editor gives compliance teams direct ownership of the 240+ rules across the four FATF dimensions. You can test a proposed change against live cases with champion/challenger testing, run a what-if backtest across your historical book, and deploy with version history and rollback. No vendor change request is needed for routine rule updates.
The platform follows FATF guidance: the overall customer tier is set by the highest individual dimension, so a single high-risk factor is never averaged away by the composite score. You see both the weighted composite and the individual dimension scores in the evidence chain.
The Geographic dimension starts from a 209-country database, each country carrying 16 risk indicators: FATF grey list, FATF black list, Financial Secrecy Index, Transparency International CPI, and others. You weight the Geographic dimension against the other three FATF dimensions in Studio and can override the indicator weights within it.
Yes. Every score carries a per-event audit record with the factors that produced it, any override reason, the named user, and a millisecond timestamp. You export that chain for a regulator from a single record rather than reconstructing it manually from portal logs.
The Risk Model Copilot is one of ten specialised AI agents in Zenoo Labs, currently in alpha and beta with design partners. It suggests scoring changes and pre-runs the what-if backtest for you. Nothing goes live until a person approves the promotion. It is opt-in, human-in-the-loop, and does not change your model autonomously.
If your model does not hold up on your data, do not buy it. Bring your Monday inbox and we run it live in 30 minutes.