Risk Factors

Overview

Risk factors are components that contribute to an entity’s overall risk assessment. Each risk factor evaluates to a numeric score that influences the final risk level assigned to an entity. Understanding these factors helps compliance officers make informed decisions about customer onboarding and ongoing monitoring.

Risk factors are generated by various steps or components within the workflow and can persist beyond a single workflow to enable continuity in risk assessment.

KYC

Factor	Factor (API)	What it means	Typical next step
Entity Age	entity_age	Evaluates risk based on the customer’s age category (Under 18, Over 18)	Apply appropriate due diligence based on age category; additional verification may be required for minors
Entity Type	entity_type	Identifies the entity as an Individual or Other classification	Apply appropriate due diligence measures based on entity type

AML

Jurisdictional Risk

Factor: Country
Factor (API): country
What it means: Assesses risk based on the customer’s country of residence or operation
Typical next step: Apply enhanced due diligence for high-risk jurisdictions according to your compliance policy

Factor	Factor (API)	What it means	Typical next step
Entity Has Adverse Media hits	has_adverse_media	Indicates negative news or information is associated with the entity	Review the findings and assess their relevance and severity
Entity Has Sanctions Hits	has_sanctions	Identifies if the entity appears on any sanctions lists	Review match details to determine if it’s a true or false positive; consider rejecting if confirmed
Entity Has Watchlist Hits	on_watchlist	Shows if the entity appears on a watchlist	Review the watchlist match and determine appropriate action based on your risk policy
Entity Has PEP Hits	is_pep	Identifies if the entity is a Politically Exposed Person	Apply enhanced due diligence measures if PEP status is confirmed
Number of Adverse Media Hits	num_adverse	Indicates the quantity of adverse media matches found	Higher counts may require more thorough investigation
Number of PEP Hits	num_pep	Shows the number of PEP matches identified	Multiple matches may indicate higher risk requiring enhanced scrutiny
Number of Sanction Hits	num_sanctions	Indicates the quantity of sanctions matches found	Multiple matches require thorough investigation; may be grounds for rejection

IDV (Identity Verification)

Factor	Factor (API)	What it means	Typical next step
Document validation result	idv_document_result	Assesses if the identity document is genuine (Clear, Suspected, Rejected)	If Suspected or Rejected, request alternative documentation or escalate for manual review
Facial comparison result	idv_facial_comparison_result	Compares the customer’s selfie with their ID photo (Clear, Suspected, Rejected)	If Suspected or Rejected, request new verification attempt or escalate for manual review
OCR comparison result	idv_ocr_comparison_result	Checks if extracted document data matches provided information (Clear, Suspected, Rejected)	If Suspected or Rejected, request clarification or additional verification
Facial liveness result	idv_facial_liveness_result	Verifies that the selfie is of a live person, not a photo or recording (Clear, Suspected, Rejected)	If Suspected or Rejected, request new liveness verification or escalate for manual review

MATCHLIST

Factor	Factor (API)	What it means	Typical next step
Internal matchlist	on_matchlist_internal	Indicates if the entity appears on your organization’s internal blocklist (Block, Alert, Review, Allow)	Take action based on the specified status block, alert, review, or allow

DUPLICATE

Factor	Factor (API)	What it means	Typical next step
Any unresolved duplicates	unresolved_duplicates	Indicates potential duplicate matches that have not yet been reviewed or resolved	Review the matches to determine if they are true or false positives; compare entity details and documents to make an informed decision
Any resolved duplicates	resolved_duplicates	Shows duplicate matches that have been reviewed and marked as either confirmed duplicates or not duplicates	For confirmed duplicates, consider archiving one of the entities; for matches marked as not duplicates, document the reason for the determination

When reviewing risk factors in the Portal, compliance officers can see the contribution of each factor to the overall risk score. The system allows for manual override of risk levels when appropriate, with proper documentation of the override reason. Risk factors can become outdated when underlying values change, and new assessments will create updated factors. See Risk assessment for a better understanding.