Transaction Risk Scoring

Overview

Transaction risk scoring assigns a risk level to each transaction based on predefined rules, TRIs, and contextual data. Scores help compliance teams prioritize alerts and focus on high-risk activities. Machine learning models often enhance scoring accuracy by learning from historical cases. Regulators expect institutions to apply risk scoring consistently and document methodologies to ensure accountability.

Effective risk scoring improves detection of money laundering, fraud, and sanctions breaches while minimizing false positives. It is widely used in banks, fintechs, and payment systems to ensure ongoing monitoring and regulatory compliance.

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