AML/KYC Customer Risk Scoring & Onboarding Engine — Excel Model v2026.2

Description
FinGuard Studio Pro is a professional-grade Excel-based AML/KYC customer risk scoring and onboarding logic engine built for compliance officers, MLROs, and AML analysts. Every formula, weight, and trigger cites a regulatory source — FATF Recommendations, Wolfsberg Principles, ISO 37301, 5AMLD, or 6AMLD.

THE SCORING ENGINE: 9-factor hybrid weighted model — PEP Exposure 18% (FATF R.12), Geography 16% (FATF R.10), Adverse Media 14% (6AMLD), Source of Wealth 12% (Wolfsberg), Occupation 11%, Transaction Pattern 10%, Entity Type 8%, Product Risk 7%, Delivery Channel 4%. Score thresholds: HIGH above 7, MEDIUM 4-7, LOW below 4.

4 INTEGRATED SANCTIONS FRAMEWORKS: FATF Blacklist, FATF Grey List (26 jurisdictions), OFAC SDN Comprehensive, UN Security Council (15 regimes), EU Financial Sanctions (5,726 entities).

30+ AUTO-OVERRIDE TRIGGERS: Forces HIGH risk regardless of score. MLRO key required to override with written justification and Senior Management co-approval.

AUDIT INFRASTRUCTURE: Sanctions Log (400 entries), Adverse Media Log (400 entries), Audit Trail (600 entries), MLRO Override tab, 5-category Internal Watchlist.
TECHNICAL: 15,909 formulas, zero errors, 500-customer capacity, 140+ countries, 57 customer types, 59 occupations. No macros, no VBA, no internet required. Compatible with Excel 2016+.

WHAT YOU RECEIVE: Full Pro workbook, 10-customer Demo, User Guide, Access Keys, Custom Lists Guide, Terms of Use, Tutorial Video (MP4).
Single-organisation license. One-time purchase. No subscription.