Automatic Low, Medium & High Classification
Every customer is classified automatically from the same set of factors your team defines.
Customer risk scoring
Know a customer's risk level the moment it changes.
Classify every customer as Low, Medium, or High risk from the factors your team defines, including country risk from FATF's internationally recognized list of higher-risk countries, with a full history behind every result.
How classification works
Consistent risk levels, built from the same factors every time.
A set of factors your team defines, including country risk, feed one risk level per customer, kept current through retained history and on-demand recalculation.
Higher-Risk Country Recognition
Country and geography inputs are checked against FATF's internationally recognized list of higher-risk countries.
Full Evaluation History
Every classification is retained with the factors that produced it and how much each one counted.
On-Demand Recalculation
Re-run a customer's classification on demand whenever new information arrives.
Classification workflow
Classified instantly, then kept current on your schedule.
A new customer isn't left waiting for their first classification, and existing customers aren't left waiting for someone to remember a review is due.
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Classified the Moment They Enter the System
As soon as a customer profile is created, an evaluation runs immediately and assigns a risk classification, with no waiting for a batch or scheduled job to run. That means no new customer sits unclassified while someone remembers to trigger a check, and no gap in coverage between onboarding and the first review.
- 02
Reassessed On Your Own Schedule, By Risk Level
After that, each risk level keeps getting reassessed on its own schedule your team configures, instead of one blanket interval applied to every customer regardless of risk. Low risk customers might be reassessed annually, Medium risk quarterly, and High risk monthly, concentrating review effort on the customers who need closer attention rather than spreading it evenly across the whole base, with no one needing to manually track when each customer's next review is due.
Authorized override workflow
Give analysts a governed way to override the score.
Automatic classification is the default path for every customer. When an analyst has context the automatic classification doesn't capture, an authorized override keeps that judgment call visible and access-controlled rather than silent.
Only users granted the override permission can set a customer's risk level outside the automatic classification, keeping the exception path itself access-controlled.
An override is recorded next to the automatic classification it replaces, not in place of it, so the automatic result and the factors behind it stay visible for review.
An override stays in place until it expires, is revoked, or is replaced by a new one. Running a recalculation refreshes the automatic assessment without removing it, so the classification history shows both.
Business type risk ratings
Rate the business lines your customers operate in.
Classify customers by the business line or industry they operate in, using a list your own institution defines and keeps current, then apply your own risk-based rating to each one.
Your Own List, Pre-Seeded To Start
Start from close to twenty common business lines already built in, then add, rename, or retire any of them until the list matches how your own institution actually classifies customers. Every customer who runs a business carries one business type on their profile, visible on their record and usable as a filter and at bulk import.
Every Rating Is Versioned And Explained
Publish a Low, Medium, or High risk rating for each business line together with a written reason. Each publication becomes its own numbered, permanent version: once published, a version can never be edited, only replaced by a new one with its own reason, so you always know exactly which rating was in force at any point in time.
A High Rating Can't Be Averaged Away
A customer whose business line is rated High is classified High risk overall, regardless of how the other scoring factors add up, because a higher-risk business line shouldn't become invisible just because the rest of a customer's profile looks ordinary.
Portfolio risk reporting
See your whole book's risk, not just one customer's.
See how risk is distributed across your entire customer base and your transactions, not just one profile at a time, and keep a record of every classification change behind it.
Summary tiles show how many customers sit at each risk level right now, alongside counts for politically exposed persons and sanctioned customers, so you don't need to build this view yourself from individual records.
A classification trend shows how the balance between Low, Medium, and High risk customers has moved over time, and per-dimension breakdowns (by entity type, country, and business type) show where risk is actually concentrated.
Where Transaction Monitoring is part of your license, the Transactions tab shows how many transactions were cross-border, held or blocked, and flagged, as a share of all transactions. A channel table then splits each channel, such as mobile app, internet banking, USSD, or branch, by decision, so you can see where risky activity concentrates.
A separate classification-change report lists every time a customer's risk level moved, what drove the change, and whether it came from the automatic score or an override, exportable to CSV for your own records or a regulator.
Customer network analysis
Know who's connected to your customers, not just one at a time.
Risk doesn't stop at one profile. OneView looks for the connections that actually matter for compliance work and raises only the networks worth a look.
Built From Real Relationships
Networks are built only from structured relationships: a shared company director, owner, or person of significant control, and shared counterparty accounts seen in a customer's own transactions. Nothing is inferred from device or browsing data.
Only Surfaces What's Worth Reviewing
A network is raised for your team only when something in it actually needs attention: a member on a sanctions hold, several members with open alerts, a concentration of high risk members, or one person linked to an unusually large number of customers. Every network states exactly which of those triggered it.
Transaction Exposure And Flow Patterns
Each network shows the combined transaction value across its members and flags patterns worth a closer look, such as funds passing straight through a group of customers or moving in a circular path between them.
Dismiss, Reopen, Escalate, Or Hold
Dismiss a network with a reason once your team has reviewed it, and it reopens on its own if something changes, such as a new member, a new sanctions hold, or a new high risk member. Escalate a network straight into a case for investigation, or place a screening hold across every member at once.
Peer grouping
Compare a customer's risk against others just like them.
A classification means more when you can see it next to similar customers. Peer groups give your team that comparison without building it by hand.
Suggested Automatically, Confirmed By You
Once enough similar customers exist, sharing a business type and country, OneView drafts a candidate peer group on its own. It never activates on its own: someone on your team reviews the evidence behind it and approves or rejects it first.
Reviewer Is Never The Creator
Whoever reviews a draft peer group can't be the person who created it, keeping that check independent, even for a group OneView drafted automatically.
One Clear Benchmark At A Time
Activating a new peer group for a given business type and country retires the one it replaces, so there's always one current benchmark for comparing a customer's risk against others just like them.
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See how factor-based classification, country risk from FATF's list of higher-risk countries, business type risk ratings, a governed override workflow, customer network analysis, and peer grouping keep customer risk levels current inside your own environment.