Customer Risk Rating Personalized risk insight, focused risk monitoring

Better understand the risk of your customer throughout their lifecycle. Hawk's static, dynamic, and behavior-based risk scoring allows you to effectively manage each customer's risk, applying the right level of scrutiny in monitoring.

Product HighlightsBetter understand customer risks & refine downstream monitoring

• Easy risk rating configuration: Set risk factors, adjust thresholds and tailor time- and trigger-based scheduling, with intuitive point-and-click controls
• Flexible, tailored scoring model: Leverage any of your own custom attributes as risk factors to reflect the distinct risks of your customer base
• Dynamic, responsive risk scoring: Capture significant risk decisions and deviations from expected activity in a customer’s risk score at the next scheduled review

AML risk scoring softwareCapture risks relevant to your institution

Go beyond static risk data – get accurate risk levels that factor in many dimensions of client risk and ensure risk-appropriate client monitoring

• Inherent risk factors along customer, geography, and product dimensions, like age, country of origin, occupation, business purpose, type of business, and UBOs
• Behavioral risk factors, including deviations from expected behavior and value, and anomalous behavior
• Confirmed financial crime risks, like sanctions hits, adverse media, political exposure, and SARs filed

Customizable risk assessment toolTailor risk scoring to your own risk appetite

Get a risk model that fits your policies, not the other way around, with a range of optionality to address your needs

Overcome gaps in customer data

Apply the highest risk factor value when data is missing

Ensure a compliance-ready risk posture

Leverage Hawk’s rating against your internal score, automatically applying the higher rating

Align with your evolving risk decisions

Manually override risk levels on individual customer profiles with the right permissions

Adapt controls to regional needs

Empower different regions with their own customized risk models through Hawk’s multi-tenant structure

Gain a hawk-eyed view into your organization’s risk profile

Understand your overall risk profile with a consolidated list of all customers and their risk rating

• Easily search for a customer’s profile
• See how their risk evolved with a history of profile changes
• Extract customer profile information for sharing with regulators, auditors, or colleagues
• See historical actions with a full audit trail

The Hawk DifferenceDiscover how Hawk raises the bar for efficient customer risk rating

The Traditional Way

• Outdated, static risk ratings that fail to reflect a customer’s true risk
• Lack of granular configuration to reflect the distinct risks of your customer base
• Dependency on third-party support to make changes
• Disjointed risk profiles with disparate data
• Structure that only supports a global AML approach

The Hawk Way

• Static, dynamic, and behavior-based risk scoring
• Ability to leverage any custom attribute as a risk factor
• Intuitive point-and-click controls to set risk factors, adjust thresholds, and tailor scheduling
• Unified risk profiling that combines internal and external data
• Multi-tenant structure to support regional customer risk assessment

Strengthen AML compliance across the customer lifecycle

Review customers’ risk during onboarding, at regular cadence, on demand, or in response to significant changes

• Customer Due Diligence at Onboarding
• Periodic Reviews
• Ad-Hoc Risk Assessments
• Trigger-Based Reviews

Customer Due Diligence at Onboarding

Accurately assess customer risk from the start—automatically get risk scores in your KYC solution and identify high risk customers through Hawk’s API

Periodic Reviews

Refresh customer risk ratings at defined intervals to ensure appropriate segmentation and ongoing monitoring

Ad-Hoc Risk Assessments

Quickly reassess customer risk whenever new information or suspicious activity surfaces

Trigger-Based Reviews

Automatically update risk ratings in response to defined events, such as an increase in the risk score, a change in risk level or a change in customer account number

Awards & RecognitionLeading the industry forward

Learn how Hawk's AI-fueled technology is driving the future of AML & CFT, according to software analysts and industry experts.

Hawk's AIManage AML Risk effectively with AI

Leverage Hawk’s AI-powered transaction monitoring together with dynamic customer risk rating to segment clients better and spot money laundering threats with increased precision

Advanced Anomaly Detection

Take behavioral risk scoring and segmentation one step further, using machine learning algorithms to identify anomalous activity compared to each client’s own historical behavior and versus their peers

Pattern Recognition

Employ AI models to recognize known criminal patterns, spotting illicit activities with greater precision for each client segment than rules alone

False Positive Reduction

Amplify the impact of good risk rating and segmentation, further refining detection outputs with AI so compliance teams can focus on genuine risks

Explainable AI

Benefit from AI that provides clear, contextual explanations, for faster customer risk understanding and alert reviews

Frequently Asked QuestionsWant to know more?

What is AML Customer Risk Rating Software?

AML customer risk rating software is an automated tool used by financial institutions to categorize customers into risk levels (typically Low, Medium, High) based on their likelihood of involvement in financial crime. Unlike manual spreadsheets, a dedicated platform uses real-time data integration to ensure that a customer’s risk score reflects their current behavior, not just their initial onboarding data.

How does automated risk scoring improve compliance efficiency?

Automated risk scoring replaces manual, periodic reviews with trigger-based reassessments. When a customer’s behavior changes—such as an unexpected international wire or a change in beneficial ownership—risk assessment solutions automatically update their risk score. This reduces the manual workload for compliance teams by up to 60% and ensures that 'High-Risk' entities are identified and monitored immediately rather than months later.

What are the key factors in an AML risk scoring model?

A robust automated customer risk assessment typically evaluates four key dimensions:

1. Identity Risk: PEP status, sanctions hits, and adverse media.
2. Geographic Risk: Connections to high-risk jurisdictions or non-cooperative territories.
3. Product Risk: Usage of high-risk services like bulk cash transfers or crypto-assets.
4. Behavioral Risk: Deviations from 'normal' spending patterns or expected transaction volumes.

What is Perpetual KYC (pKYC) and why is it necessary?

Perpetual KYC (pKYC) is the shift from "scheduled" reviews (every 1-3 years) to "continuous" monitoring. It is becoming a regulatory gold standard because it allows institutions to maintain a current risk profile for every entity. By automating the refresh of customer data and risk scores, institutions can provide regulators with a real-time audit trail and stop suspicious activity before it scales.