About ScoreCard
Automated risk scoring that combines KYC, AML, and behavioral signals into a clear risk decision.
What is ScoreCard?
ScoreCard is a risk assessment engine that runs as part of the verification workflow. It aggregates signals from multiple Step results — including ID verification outcomes, AML matches, device signals, and liveness checks — and produces a risk score or risk classification for the user.
The output is written to the Profile's riskTags (with source: SCORE_CARD) and to the Application's stepResults.scoreCard.
How ScoreCard fits in the workflow
- ScoreCard runs as a Check Node after preceding verification Steps have completed
- It reads all preceding Step Node results from the Application context
- Output can be used to automatically pass/fail an Application, or flag it for manual review
Key terminology
| Term | Description |
|---|---|
| Customer Risk Score | The numerical value produced by combining weighted factor scores. Reflects the overall risk exposure in a quantifiable way. |
| Customer Risk Level | A qualitative classification (e.g. Low, Medium, High, Prohibit) derived from the risk score using configured thresholds. |
| Risk Factor | A key dimension of risk (e.g. Country Risk, AML Compliance). Each factor has a weight and is composed of one or more Parameters. |
| Parameter | A specific data element used to evaluate a risk factor (e.g. nationality, PEP status). Each parameter value maps to a risk level and score. |
| Risk Map | The mapping table that assigns a risk level and score to each possible value of a parameter. |
| Rule | An override condition that escalates the customer risk level regardless of computed score (e.g. "if Sanctioned → Prohibit"). |
Computation model, factor aggregation, and information flow.
Build your risk framework, configure parameters, and define factors.
Pre-built compliance parameters and custom geographic risk factors.
View scores, factor breakdowns, and triggered rules on a Profile.
Updated 18 days ago