Dynamic customer risk that stays current
Your customer risk stays current as behaviour changes – and your monitoring, thresholds and workflows adapt automatically.
Trusted by leaders in finance and technology
What changes when risk scoring works
Every customer carries a different level of risk. Fortify helps you assess and maintain that risk consistently – and shows how those assessments directly influence your transaction monitoring, so your controls always match the risk you're carrying.
Your monitoring uses real risk
Customer risk ratings directly drive monitoring rules – so controls automatically match the risk you are carrying.
Evolve your model with confidence
Test changes and immediately see their impact on scores and alerts before rolling them out.
Defend every risk decision
Each score includes a clear breakdown of contributing factors – so you can explain outcomes to the regulator with confidence.
One connected workflow that keeps risk current at every stage
Manage customer risk across four stages. Each one builds on the last – so your risk view is always current, your monitoring always aligned, and every decision always explainable.
Start every relationship with a clear, defensible risk rating
Assess and document customer risk using profile data, geography, intended product use and screening results – before a single transaction takes place.
Use risk ratings in your monitoring rules from day one – higher-risk customers get tighter thresholds automatically.
Trigger enhanced due diligence for high-risk customers with a clear handoff to your EDD workflow
Every classification is explained and stored for your audit log
Risk ratings that update when behaviour changes
Recalculate risk automatically as transaction behaviour, screening results and customer data change. You define the trigger events that matter – large transactions, jurisdiction changes, adverse media matches, new product usage – and the system reassesses risk when they occur.
Risk ratings update based on trigger events you configure
Customers are reassessed automatically when behaviour deviates from expected patterns
Monitoring that adapts to customer risk in real time
Risk assessment and transaction monitoring live in the same system. When a customer's risk changes, monitoring behaviour updates immediately.
Monitoring rules adjust automatically when a customer's risk rating changes
Set different thresholds for different risk tiers directly in your rule conditions
Higher-risk customers are monitored more tightly; lower-risk customers generate fewer alerts
Explain and justify every risk decision
Every risk score is traceable – from the data that fed it, through the factors and weights applied, to the monitoring decisions it influenced.
Full factor-by-factor breakdown of every score
Model-level justification showing why your weightings and thresholds are set the way they are
Complete traceability from risk rating through to monitoring outcome
Export audit packages directly from the platform
How it works
Transaction spike detected
Risk score updates in real time
Customer moves to higher risk tier
Monitoring thresholds adjust
Alert generated with full audit trail
Every change in risk is immediately reflected in how you monitor and investigate customers.
40% fewer alerts
Seconds
100% traceability
"For the first time, our monitoring actually reflects our risk view. We're not running two separate systems any more – risk scoring and monitoring are one conversation."
Risk that stays current. Decisions that hold.
A score is only useful if it moves with your customers – and if you can explain it when a regulator asks.
One connected system
When risk scoring and monitoring run in separate systems, controls lag behind behaviour. In Fortify they're native to the same platform – so when a customer's risk rating changes, monitoring thresholds adjust automatically.
Test changes before they land
Run scoring changes against historical data and see the impact on ratings and alerts before going live. No surprises.
A complete audit trail
Every score carries a full factor-by-factor breakdown – the data, the weightings, the outcome. Whether you're explaining one decision or a thousand, the evidence is there.
Dynamic customer risk profiling is built into Fortify AML
Related articles
Regulatory guidance and industry context for financial crime professionals.
See it in action
Book a 30-minute walkthrough and we'll show you how dynamic customer risk ratings keep your monitoring aligned – recalculating risk as behaviour changes, using your own scenarios.
