A consistent risk rating
for every customer
Answer a short questionnaire, see the score on every answer, and get an overall risk level and recommendation your team can act on.
Built around your own risk policy
Same facts, same rating
One questionnaire and one scoring method for every analyst and every customer.
Your questions, your scores
Build, version and publish a questionnaire that matches your risk policy.
Every decision on record
Decisions, risk levels and comments are kept for audit and appear in reports.
Risk factors
What shapes the risk rating
Six inputs drive the score, so the same facts give the same rating for every customer.
Jane Citizen
Individual · Risk assessment
Geography
Country of residence and nationality, with the FATF high risk lists.
Customer type
Occupation or category, since some roles carry higher risk.
Products and services
What is on offer, as some products raise the risk.
Delivery channel
Online or in person, since remote onboarding changes risk.
Funds and status
Source of funds for people, legal status for companies.
Screening
PEP, sanctions and adverse media outcomes fed into the result.
How it works
From questions to a decision
Five steps turn a set of answers into a risk level your team can act on and record.
Add the check to any scan
Run a risk assessment alongside a PEP and sanctions, ID verification or KYB scan, or as a standalone check.
- With a PEP and sanctions scan
- With ID verification or KYB
- Or run it on its own
Work through the questions
The questionnaire covers country, occupation, products, channel, funding and screening, with a separate list for individuals and companies.
- Country and occupation
- Products and channel
- Funding and screening
See the score on every answer
Each answer carries a score of no risk, low, medium or high, so the result stays transparent.
- Every answer is scored
- Scores shown per question
- A sanctions answer sets the outcome
Get a level and a recommendation
The answers combine into an overall risk score and a low, medium or high level, with an actionable recommendation given as guidance.
- Low, medium or high
- A next step to act on
- Offered as guidance
Keep an auditable record
Save the level, decision and comments to the customer profile, with the history kept for audit.
- Decision and risk level
- Comments and history
- Ready for audit
Add the check to any scan. Run a risk assessment alongside a PEP and sanctions, ID verification or KYB scan, or as a standalone check.
Start
Add the check to any scan
Run a risk assessment alongside a PEP and sanctions, ID verification or KYB scan, or as a standalone check.
- With a PEP and sanctions scan
- With ID verification or KYB
- Or run it on its own
Jane Citizen
Country: Australia
Answer
Work through the questions
The questionnaire covers country, occupation, products, channel, funding and screening, with a separate list for individuals and companies.
- Country and occupation
- Products and channel
- Funding and screening
- CountryAustralia
- OccupationLawyer
- ProductsDigital assets
- ChannelOnline
- Source of fundsSalary
- ScreeningNo match
Score
See the score on every answer
Each answer carries a score of no risk, low, medium or high, so the result stays transparent.
- Every answer is scored
- Scores shown per question
- A sanctions answer sets the outcome
- CountryAustraliaL
- OccupationLawyerM
- ProductsDigital assetsH
- ChannelOnlineM
- Source of fundsSalaryL
- ScreeningNo matchN
Rate
Get a level and a recommendation
The answers combine into an overall risk score and a low, medium or high level, with an actionable recommendation given as guidance.
- Low, medium or high
- A next step to act on
- Offered as guidance
- LowStandard due diligence
- MediumReview before approval
- HighEnhanced due diligence
Record
Keep an auditable record
Save the level, decision and comments to the customer profile, with the history kept for audit.
- Decision and risk level
- Comments and history
- Ready for audit
Decision history
- Risk level updated after review
- Earlier decision kept on replacement
Risk based approach
Matching due diligence to risk
The rating sets the work: lighter checks for lower risk, more scrutiny for higher risk.
Standard due diligence
Routine checks and lighter oversight for lower risk customers.
- Standard onboarding checks
- Less frequent reviews
Review before approval
Look over the file and confirm the details before the customer is approved.
- Confirm details before approval
- Review on a set schedule
Enhanced due diligence
Apply enhanced measures and keep the relationship under closer watch.
- Source of wealth checks
- More frequent reviews
Reassess as circumstances change, from an address update to a new adverse media or PEP and sanctions match.
Your questionnaire
Shape the questions around your policy
Customise the questionnaire in settings, preview it, publish it, and keep the version past assessments used.
Add or clone a question
Add custom questions, or clone a standard one and edit the copy, each with a category and either radio buttons or a drop down list.
- Add or clone questions
- Set the category and type
- Include, exclude or require
Set the risk on every answer
Give each answer its own score, and mark one answer as the sanctions outcome.
- A score for each answer
- At least two answers
- One answer can be sanctions
Preview, then go live
Save changes as a draft, preview them, then publish to make it the live version. Existing assessments keep the version they were made with.
- Draft or live
- New scans use the live version
- Past checks keep their version
Share the template group-wide
A parent organisation can publish its questionnaire as a template for suborganisations to adopt.
- Publish as a template
- Suborganisations can adopt
- Standard until published
Add or clone a question. Add custom questions, or clone a standard one and edit the copy, each with a category and either radio buttons or a drop down list.
Add
Add or clone a question
Add custom questions, or clone a standard one and edit the copy, each with a category and either radio buttons or a drop down list.
- Add or clone questions
- Set the category and type
- Include, exclude or require
Does the customer hold digital assets?
Score
Set the risk on every answer
Give each answer its own score, and mark one answer as the sanctions outcome.
- A score for each answer
- At least two answers
- One answer can be sanctions
- NoNLMH
- Yes, small holdingsNLMH
- Yes, main source of wealthNLMHA sanctions answer sets the outcomeSanctions
Publish
Preview, then go live
Save changes as a draft, preview them, then publish to make it the live version. Existing assessments keep the version they were made with.
- Draft or live
- New scans use the live version
- Past checks keep their version
- v1
- v2
- Live · v3
Save changes as a draft, preview them, then publish to make it the live version. Existing assessments keep the version they were made with.
Share
Share the template group-wide
A parent organisation can publish its questionnaire as a template for suborganisations to adopt.
- Publish as a template
- Suborganisations can adopt
- Standard until published
Sydney branch
AdoptedJakarta branch
AdoptedBerlin branch
Governance
Set the rules and keep control
The compliance officer decides how the check runs and what the risk settings say.
Risk settings
Set high, medium or low levels for PEP, sanctions and custom watchlist categories, with the highest level shown.
- PEP Tier 1high
- Sanctions listshigh
- PEP Tier 3medium
- Former PEPlow
Levels guide due diligence and do not enforce it, and a subcategory level takes precedence over its category.
Check settings
The compliance officer makes the risk assessment mandatory, optional or unavailable during screening, for individuals and companies.
Roles and permissions
Compliance officers, advanced users, standard users and auditors each get the access their role needs.
Decision history
A replaced decision keeps its history, and every decision, risk level and comment appears in the reports.
Delivery
Run it your way
Work through the web app, process a list in batches, or automate the flow with the API.
Single scans
Run one risk assessment at a time in the web app, on its own or beside a scan.
Batch scans
Select the risk assessment service at upload and see the result in the batch view.
Automated scans
Use the API methods for individuals and companies, with custom questionnaires in v3.
POST /aml-risk/questionnaire
Reports
Export any result as a document for your files or your regulator.
Data hosting
Choose the region where your risk assessment data is stored.
- OceaniaAustralia
- Asia-PacificIndonesia
- EuropeGermany
- GulfOman
Why MemberCheck
Why teams choose MemberCheck
One structured assessment that gives every customer the same, explainable treatment.
Built with FATF in mind
Designed around FATF recommendations and what regulators expect.
Consistent criteria
The same criteria applied to every customer, every time.
Transparent scoring
Every question shows its own score, so the rating can be explained.
Your questionnaire
Run your own custom questions rather than a fixed script.
Time for judgement
Frees the team for the cases that need human judgement.
Audit ready history
A clear trail of decisions and risk levels that shows due diligence to regulators.
Related solutions
Build the full customer risk picture
MemberCheck pairs the risk assessment with these checks across the customer lifecycle.
MemberCheck
Jurisdictional Risk Checks
Understand country risk with FATF ratings, watchlist status and tax haven indicators.
Learn moreMemberCheck
PEP & Sanctions Screening
Screen customers against PEP, sanctions and adverse media lists to feed the assessment.
Learn moreMemberCheck
Business Screening
Verify companies and their owners, then assess business risk alongside them.
Learn moreFAQ
Frequently asked questions
Answers to common questions about MemberCheck risk assessments.
What is an AML risk assessment?
A structured evaluation that produces a risk rating, typically low, medium or high, and sets the level of due diligence a customer needs.
How does a risk based approach work?
Lower risk customers get standard due diligence, while higher risk customers get enhanced measures such as source of wealth checks and more frequent reviews.
When should a risk profile be updated?
When something material changes, like an address or business activity, or after a new adverse media or PEP and sanctions match, plus periodic reviews set by rating.
Is a documented risk assessment required under FATF?
FATF Recommendation 1 expects firms to assess and document money laundering risk, and many national AML laws require a written risk assessment.
Can we customise the questions?
Yes. A compliance officer can add or clone questions, set the score for each answer and mark one as the sanctions outcome, separately for individuals and companies.
How is the risk level worked out?
Every answer carries a score of no risk, low, medium or high, and together they give an overall risk score and level. A sanctions answer sets the outcome on its own, whatever the other scores say.
Can it run with screening or on its own?
Both. Run it beside a PEP and sanctions, ID verification or KYB scan, where the result shows in a Risk Assessment tab, or as a standalone check.
Start assessing risk with confidence
See how MemberCheck AML Risk Assessment fits your due diligence workflow.