Monitor changing risk across the entities your business depends on
Merchants, customers, agents, corridors, sub-merchants and counterparties all shift as their behaviour changes. Risk Rating tracks those signals and turns them into live risk lists your teams can use in rules, investigations, limits, step-up flows and reviews.
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Trusted by leaders in finance and technology
Track the entities that matter before they become a problem
Monitor any entity
Create a risk view around the population your team needs to watch, from merchants and customers to agents, branches, corridors, players, sub-merchants and counterparties.
Keep risk current
Use behavioural, transactional, onboarding, customer and external signals to keep each entity’s risk weight up to date, so teams are not relying on static periodic reviews.
Send the list where work happens
Use live lists in rules, case management, authorisation flows, limits, dashboards or review queues, so teams can act while there is still time.
Live entity scoring for fraud, AML and vulnerability risk
Risk rarely stays inside one fixed domain. What matters is the entity in question, the signals that change its risk, and where that intelligence gets used. Risk Rating works from that mechanic, so teams can define the entity, connect the signals that matter and produce a live list the business can act on.
Score the entities your team actually needs to watch
Each risk view starts with a practical question: which entities need attention, and why? That might mean merchants showing early signs of bust-out risk, customers more exposed to scam attempts, corridors with changing sanctions exposure, or agents whose behaviour has started to drift.
Score merchants, customers, sub-merchants, agents, branches, corridors, players or counterparties
Bring transaction, behavioural, customer, onboarding and external signals into one view
Update risk weights as new activity and outcomes come in
Configure risk views for fraud, AML, scams, vulnerability or portfolio monitoring
Give downstream systems a list they can use
Each risk view produces a simple output: an entity, a weight and a reason. That list can feed the systems that already make or support decisions, without forcing teams to rebuild how they work.
Create maintained lists of high-risk, changing or vulnerable entities
Use risk view outputs in rules, alerts, limits, step-up flows and review queues
Apply risk weights without relying only on hard cut-offs
Replace static periodic reviews with live lists that update as merchant, customer or counterparty behaviour changes
Keep list logic current as behaviour, typologies and risk appetite change
Create new risk views without starting from scratch
The same underlying mechanism can support very different problems. An issuer might need a merchant risk view. A bank might need a customer vulnerability view. A remittance firm might need an agent or corridor view. Each risk view changes the entity, signals and action path, while keeping the operating model consistent.
Build merchant risk views for issuers, acquirers and processors
Build customer vulnerability views for scam and harm prevention
Identify vulnerable customers so risky payments can be slowed, challenged or reviewed before funds leave
Build sub-merchant risk views for PayFacs, platforms and sponsor-bank exposure
Build agent, branch or corridor risk views for remittance and cross-border risk
Investigate changing risk without adding manual review burden
Governed agents can help explain why an entity’s risk has changed, surface linked activity, prepare evidence and suggest next steps. Your team stays in control of thresholds, approvals and deployment.
Summarise the signals behind a changing entity score
Surface linked merchants, customers, agents, counterparties or transactions
Suggest review, rule, limit or monitoring actions based on the Lens output
Route high-priority entities to analysts with the relevant context already assembled
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Go live fast, without rebuilding your risk stack
Implementation led by experts
Fortify works with your fraud, AML, risk and operations teams to define the entity population, map the signals that matter, configure the Lens and connect outputs into the workflows where they will be used.
Built for measurable impact
Track how Lens outputs affect review volumes, control performance, risk coverage, false positives, customer friction, losses and downstream decisions.
Runs on your data
Fortify works with your existing transaction, customer, behavioural, onboarding and operational data, so you can create new risk views without moving control away from your existing infrastructure.
Entity coverage
cares about
Risk currency
and behaviour change
Decision evidence
and actions
Based on results from Fortify customer deployments
How it works
DEFINE THE ENTITY YOU NEED TO MONITOR
CONNECT THE SIGNALS THAT SHOULD CHANGE ITS RISK
CREATE A LIVE RISK OR VULNERABILITY LIST
CREATE A LIVE RISK OR VULNERABILITY LIST
Risk Rating turns changing risk into something operational: a maintained list of entities, weighted by risk or vulnerability, with the evidence needed to act.
One modular system for fraud and AML, built around how teams actually work
Related articles
Regulatory guidance and industry context for financial crime professionals.
Built for fraud teams watching risk as it changes
Fraud teams need to know the moment an entity’s risk shifts. Define a risk view, connect the signals that matter and put a live risk list where decisions already happen.
