AML/CFT platform · Slovakia and Czechia

Risk and decisions

Know what needs attention, and why.

When something about a client needs a closer look, a number alone is not enough. AMLUM’s planned Risk Engine is designed to explain what mattered, what is missing and where a person needs to decide.

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Why look further

What changes the way you assess a case?

A familiar client brings a new deal. Explore how context, a missing answer and new evidence change the question that needs answering.

Illustrative example

Illustrative deal · assessment reasons without a calculated score

A familiar client can bring unfamiliar questions.

The existing relationship now includes a deal with a cash payment. First, establish which circumstances matter for your activity.

Starting point
A familiar client
New circumstance
A deal with a cash payment
Relevant context
Activity, country and deal purpose
What follows
Select the relevant questions and factors
What this means

The same client does not always mean the same scope of checks. Cash alone does not assign a risk level here; the rules and circumstances matter.

You know the amount. The purpose is still unclear.

Where an explanation of payment purpose is relevant but missing, the gap must not become a favourable conclusion.

Known information
A payment is recorded against the deal
What is missing
An explanation of the payment purposeMissing information
Effect on assessment
That basis for a conclusion is still absent
What follows
Request an explanation and relevant evidence
What this means

Missing information is not evidence of low risk. Identify the gap and what would help answer the question.

An explanation has arrived. Its meaning still needs review.

The client has supplied information and evidence about the payment purpose. These are inputs to another assessment, not automatic approval of the deal.

New input
Explanation and evidence for the payment
Human review
Assess usability and relevance
Professional process
Apply the relevant rules
Retained outcome
Conclusion, reason and required next action
What this means

An assessment should lead to a clear next step. Where approval or another human action is required, an authorised person carries it out.

Highlighted fields show what changed from the previous state.

An illustration of the planned Risk Engine’s principles. It does not assign a risk level or legal procedure to a real case.

In depthConsistent rules. Explainable results.

Methodology for specialists

Consistent rules. Explainable results.

AMLUM’s methodology has 99 approved factors with defined assessments, weights and relationships. Their relevance depends on the activity, service and circumstances.

The deterministic design means the same approved inputs and rule version produce the same calculated result, with reasoning traceable to specific factors and evidence.

99 describes the scope of the approved methodology for the product in development.

In depthThree things the result must keep in view.

What gives a result meaning

Three things the result must keep in view.

What applies to your activity

Factor relevance depends on country, legal profile, service, client and transaction.

What you cannot substantiate

Evidence must be current and legitimately usable. Missing, conflicting or unavailable information is neither a verified fact nor low risk.

What you are required to do

An average score cannot cancel a required action or legal restriction, even when the overall assessment is more favourable.

After assessment

An assessment leads to another decision.

Sometimes the next step is more information; sometimes it is approval or another review. AMLUM is designed to make the reason for that step clear.

The professional scope covers enhanced due diligence, approval, revision and other actions under the methodology and legal conditions. Required human decisions remain with authorised people.

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What the evidence actually supports

The finding, its source and whether it is still current.

Explore the workflow and professional detail

Six stages with detailed steps for those who need them.

What changed and who continues

Earlier decisions and the access your team needs.

Look at the reasoning behind an assessment.

We will choose a situation from your business and explore what would need attention, then explain the professional approach and current product scope.

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