--- title: Customer Risk Rating source_page: https://www.sardine.ai/customer-risk-rating canonical: https://www.sardine.ai/customer-risk-rating format: text/markdown description: Replace static CDD with living customer risk ratings. Auto-trigger EDD, cut alert fatigue, and build regulator-ready audit trails with anti-fraud AI agents… --- **Quick links:** [Human page](https://www.sardine.ai/customer-risk-rating) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/insights/blog) · [Demo](https://www.sardine.ai/demo) --- # Customer Risk Rating Replace static CDD with living customer risk ratings. Auto-trigger EDD, cut alert fatigue, and build regulator-ready audit trails with anti-fraud AI agents… ## Build dynamic customer risk profiles Maintain real-time profiles informed by identity, transactions, and AML intelligence for CDD and ongoing reviews. ### Move beyond point-in-time CDD Replace static risk labels with continuously updated customer risk scores informed by events and activity. ### Auto-apply the right level of due diligence Trigger CDD, EDD, or ad hoc reviews as customer risk changes, without manual rescoring. ### Scale compliance with confidence Automate risk updates and documentation while maintaining clear audit trails for regulators. ## Approve, monitor, escalate, or review customers based on real-time risk signals ## Progressive onboarding Customer Due Diligence Assign the right level of CDD from the first touch. ### Begin with passive risk signals Assess identity risk early using passive signals before introducing friction or document checks. ### Assign an initial customer risk score Automatically classify customers into risk tiers that guide approval, review, or escalation decisions. ### Step-up verification as needed Trigger enhanced due diligence only when defined risk thresholds or regulatory conditions are met. ## Ongoing customer risk assessment Periodic Reviews Keep customer risk current as exposure and activity evolve. ### Assess risk with comprehensive signals Score customers using transaction monitoring signals, PEP or adverse media news, and other AML-relevant inputs. ### Unify AML signals in a single view Incorporate geography, products used, and transaction patterns into one customer risk profile. ### Reassess risk when profiles change Update risk automatically as customer details, products, usage patterns, or exposure shift, without waiting for periodic reviews. ## Prioritize alerts and investigations Risk-Based Alerts Focus your team where the most risk lies. ### Trigger alerts on key risk changes Notify analysts when a customer’s risk rating increases, so teams review the changes that matter. ### Review alerts with full risk context See the drivers behind the rating, the customer activity tied to it, and the recommended next step. ### Reduce repeat reviews Route alerts by risk tier and review status, so analysts spend less time reworking low-priority cases. ## AI-assisted risk rating and reviews Clear risk reviews faster with AI agents that explain every decision, surface supporting evidence, and create regulator-ready audit trails automatically. ### Automate data resolution and enrichment to eliminate manual KYB and CDD follow-ups. ### Run OSINT and adverse media research automatically across entities and beneficial owners. ### Resolve entity and ownership mismatches automatically ### Review and summarize business documents and filings ## Backed by the industry’s leading agentic risk platform ### Audit-ready investigations Centralize alerts, evidence, and decisions tied to customer risk. Case Management ### Risk propagation visibility Link customers, identities, and accounts to uncover hidden exposure. Investigations ### Enforce risk-based controls with customer risk ratings Define how customer risk scores drive CDD depth, EDD escalation, monitoring frequency, and review routing with configurable, audit-ready workflows. ## Apply the right due diligence automatically ## Connected tools for end-to-end compliance Link customers across identities and accounts to uncover hidden relationships and systemic exposure that impact customer risk ratings. ### AML transaction monitoring Detect suspicious activity using customer risk context, not isolated transactions. ### Sanctions screening Continuously screen customers and counterparties with risk-based escalation. ### Case management Investigate, document, and resolve alerts in one centralized workspace. ## Frequently
asked questions