Customer risk scoring

Vantrace calculates a customer risk score from 0–100, then converts it into a rating.

Rating thresholds

Score	Rating
Below 40	low
40–69	medium
70–100	high

How the score is calculated

The score starts at zero. Vantrace adds points for every applicable factor, then caps the total at 100.

Factor	Points added
Sanctions flag or confirmed sanctions match	75
PEP flag or confirmed PEP match	25
Adverse-media flag or confirmed match	20
Country risk: high or critical	15
Country risk: medium	8
KYC tier 1	10
KYC tier 2	5
Highest alert score in the last 90 days	15–35, depending on severity
Critical alerts in the last 90 days	8 each, capped at 16
High alerts in the last 90 days	5 each, capped at 15
Open alerts created in the last 90 days	3 each, capped at 12
Escalated cases	15 each, capped at 30
Open, investigation, or pending-approval cases	8 each, capped at 16
Submitted or acknowledged SAR/STR reports	20 each, capped at 30
Highest transaction risk score in the last 30 days	10–25, depending on score
Transactions scoring at least 70 in the last 30 days	3 each, capped at 15

Accumulation and caps

Factors accumulate. The same alert can contribute through its highest score, its severity count, and its open status.

Caps shown in the table apply to their individual factors. After all applicable points have been added, the final customer risk score is capped at 100.