Score every customer. Re-score on every trigger.
Score profiles across 150+ factors and route each customer to SDD, CDD, or EDD. Re-score the moment something changes.
150+ risk factors
Real-time re-scoring
Business-user rule authoring
Full audit trail
Configure every layer. Let the engine do the scoring.
Land any source into one indexed profile
Land batch files, REST APIs, and streaming feeds into one indexed customer record. BYOK encryption keeps the data under your keys end to end.
Every row writes to the audit log with source, timestamp, and transform applied. Reconstruct any input that fed a score without leaving the pipeline view.
See data pipeline
Weight 150+ factors to your own model
Every profile runs through rule sets, decision tables, and supervised ML models scoring alongside them. A compliance manager authors new factors in plain language and adjusts weights in the UI. Every edit passes four-eyes approval and writes to the change log.
The engine surfaces factors that consistently produce false positives and recommends weight reductions. A human approves every adjustment and the model governance log records it. Each model carries a model card, a validation dataset, and a drift monitor.
See risk engine
Match records three ways, surface the UBO chain
An ML matcher runs alongside deterministic rules and probabilistic matching across every source. Each link carries a confidence score with a configurable acceptance threshold. Analyst accept-or-reject decisions feed the next training cycle under supervised review.
Related-party links expand into the full ownership graph: shareholders, directors, beneficial owners, and shared addresses stitched into one view per customer.
See entity resolution
Simulate a new policy against the live portfolio
Point a draft methodology at the live portfolio. The pre-activation report shows which customers move ratings, how many shift into EDD, and how many new alerts fire. Export the report for model validation sign-off.
The simulation runs on the full portfolio, not a sample. Compare two methodologies side by side and pick the one with the workload and coverage profile that fits.
See impact analysis
Fire the alert the moment the threshold moves
Threshold rules run per segment and route to the right analyst queue with a remediation workflow attached. Every alert carries an explainability note: which factors moved the score, by how much, and why. The analyst carries defensible reasoning into the action.
The alert lands in the queue within the same transaction that updated the score, already triaged by priority and risk band.
See alert generation
See the score, the factors, and the history on one screen
The customer view stacks the current risk rating, the factor contributions behind it, and the full score history in chronological order. A plain-language summary of what moved since the last review sits alongside the underlying factor evidence.
Role-based access controls what each analyst sees and does. The QA lead opens the same case in read-only mode and signs off without touching the record.
See customer dashboard
RISK POLICIES
Tune each segment's risk policy to its actual risk profile.
Template once, apply everywhere.
One template carries the verification and scoring rules for a segment. Update it once, propagate to every customer in that segment.
Run each segment on its own policy.
Different segments run under different policies, each with its own CDD triggers and EDD thresholds.
Design the factors your model needs.
Build custom factors from internal data or external feeds, each with its own audit trail.
Ship a new policy in days.
From draft through simulation and maker-checker approval to production rollout, all in days.
WORKSPACE
Work the whole portfolio in one place.
Fast-track low-risk customers
Auto-approve low-risk profiles inside policy. The analyst opens each case with a plain-language summary of what moved since the last check.
Catch re-scored alerts in real time
Re-scored alerts surface in the queue the moment the score updates, so analysts work on current state rather than yesterday's snapshot.
Evidence a FATF-aligned risk-based approach
Each customer record carries the policy applied, the factors that scored, and the reviewer's action, ready for an examiner to read.
Redeploy analysts from routine reviews to investigations
Auto-progression on low-risk profiles frees analyst hours for the EDD cases that actually move the risk needle.
RISK FACTORS
Score across every dimension your model needs.
Add your own factors on top of the profile, geography, behavior, and screening sets.
Customer Profile
- Customer type and tier
- Occupation and business activity
- Source of funds and wealth
- Beneficial ownership structure
- Account tenure and history
- Expected transaction profile
Geography & Regime
- Country of residence or incorporation
- Country of operation
- FATF grey and black list status
- Sanctions regime exposure
- Correspondent banking relationships
- Cross-border payment corridors
Product & Behavior
- Product type and channel
- Expected volume vs. actual
- Transaction pattern shifts
- Dormancy then atypical activity
- Counterparty network changes
- Structuring and threshold-avoidance patterns
Signals & Screening
- Sanctions and watchlist hits
- PEP status and tier
- Adverse media exposure
- Enforcement and regulatory action
- Document expiry
- State-owned enterprise links
Agents on this workflow.
Specialist agents that work every risk assessment from intake through the next review.
Decision Narrator
Writes the reason behind every risk tier in plain language. Pulls the signals, the rule version, and the threshold that produced the score so an analyst defending it never reconstructs from email.
EDD Agent
Refreshes UBO research and corporate filings on every escalated case, and writes the dossier into the file before an analyst opens it.
Screening Analyst
Runs sanctions, PEP, and adverse-media checks against OneLattice's cross-customer entity data and writes the result straight into the case.
Entity Resolver
Unifies aliases, transliterations, and near-matches into a single entity view, so the score reflects every record of the same subject.
Triage Agent
Routes elevated cases to the right analyst, clears the obvious passes, and escalates anything that crosses the policy threshold.
Investigator Agent
Assembles the case file across transactions, screening hits, and registry data the moment a score crosses the EDD threshold.
PLATFORM
Pair customer risk assessment with the rest of the stack.
One platform across onboarding, fraud, and AML.
Sanctions Screening
Global watchlists screened in real time, with explainable match scoring.
Learn more →