/ FOR PRINCIPALS — RISK ASSESSMENT

A risk score for every agent, and the reason behind it.

Geography, corridors, volume, product mix, and history — weighted into a defensible risk rating for each agent and location. Tiers drive how closely you watch and when enhanced due diligence kicks in, and every score traces back to the factors that set it.

AGENT · MT-0142HIGH
Geography
Volume
Product mix
History
72
Risk rating
WEIGHTED
0
AGENTS SCORED
across the network
0
RISK FACTORS
weighted per agent
0
HIGH-RISK
on enhanced review
0mo
RE-SCORED
or on change

/ WHAT GOES INTO A SCORE

Six factors, weighted and transparent.

01

Geography & corridors

Destination countries and higher-risk corridors the agent serves.

02

Volume & velocity

Transaction volume, ticket sizes, and how fast they move.

03

Product mix

Remittance, check cashing, currency exchange, prepaid, and their relative risk.

04

Customer base

Cash intensity, walk-in vs. known customers, PEP exposure.

05

Compliance history

Past findings, filing accuracy, shop and inspection scores.

06

Controls in place

Training currency, screening tooling, recordkeeping strength.

/ THE RISK MATRIX

Likelihood meets impact.

Every agent lands on a matrix of likelihood and impact — so the ones in the top-right corner get your attention and your controls, and the rest get proportionate oversight. It’s the picture an examiner expects to see.

  • A defensible, documented methodology
  • Re-scored yearly or on any material change
  • Feeds monitoring frequency and EDD triggers
IMPACT →
LIKELIHOOD →

/ TIERS DRIVE ACTION

A rating that actually does something.

Low

Standard monitoring · annual re-score

Elevated

Closer monitoring · semi-annual review

High

Enhanced due diligence · quarterly review

Rate the network on the record.

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/ THE FILING DESK

Regulatory changes, before your examiner.

A short monthly brief on FinCEN guidance, enforcement actions, and AML practice for money services businesses.

@

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