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From KYC to KYT: A Complete Risk-Based AML Stack

Unified risk-based approach, built-in

AMLForms lets you define how money laundering risk is assessed across your business and applies that approach consistently to both customer risk and transaction risk – from onboarding through ongoing monitoring.

How it works

Risk rules applied consistently

One risk framework drives due diligence, monitoring and investigations across AMLForms.

KYC Risk Scoring

Assess customer and business risk using consistent policy-driven criteria.

__________

Include client type, geography, ownership & due diligence outcomes in the risk score.

Transaction Monitoring

Assess transactional activity using defined scenarios and customer context. 

__________

Score alerts based on scenarios, amounts, counterparties and transaction routes.

Risk Framework Design

Define how risk is assessed across AML workflows.

__________

Configure factors, weights, thresholds, and risk bands to reflect policy.

Ongoing Risk Updates

Update risk as customer data and activity change.

__________

Recalculate scores when customer data, behaviour and events change. 

KYC RISK SCORING

From data to risk band in one workflow

Turn onboarding data and screening results into clear, defensible risk ratings. 

  • Risk builds naturally as you onboard
    Client details, geography, ownership and purpose are evaluated as part of the same seamless workflow.
  • Every signal strengthens the picture
    Verification results and screening outcomes continuously refine the risk assessment as information is added.
  • Clear outcomes, decisive next steps
    Each customer is assigned a clear risk band, automatically triggering the right level of review and controls.
Know Your Transaction (KYT)

Risk rating updates with client changes and behaviour

Risk stays current as client details and activity evolve over time.

  • Risk continues beyond onboarding
    Changes to client details (ownership, products, geography or expected activity) are reflected as part of the same living profile.
  • Behaviour refines the risk picture
    Transaction volumes, patterns, and channels are assessed against what was originally declared.
  • Clear shifts, decisive actions
    When material changes occur, risk bands update automatically, triggering reviews and tighter monitoring when required.
Risk framework design

Focus analyst attention where risk is highest

Alerts are prioritized intelligently so teams focus first on what matters most.

  • Alerts are evaluated in context
    Each transaction is assessed against your scenarios and weighted by the client’s overall risk profile.
  • Clear reasons behind every alert
    Each alert shows what triggered it and the key details needed to review quickly.
  • Cases bring the full picture together
    Related alerts are grouped into cases, giving analysts a consolidated view of risk in one place.
How AMLForms applies risk

FAQs

AMLForms allows risk factors, thresholds, and risk bands to be defined once and applied consistently across onboarding, monitoring, and investigations.

The same risk framework is used across customer data, behaviour and events, with scores updating as information changes to keep risk current and comparable. 

AMLForms records what triggered changes, alerts and decisions, preserving context so outcomes can be clearly explained to internal stakeholders and regulators. 

Risk scores influence monitoring intensity, alert prioritization, and review depth, ensuring higher-risk clients and activity receive appropriate attention first. As risk changes, monitoring and reviews adjust accordingly.

See AMLForms in Action

Book a personalized demo to see how AMLForms helps you onboard, verify, screen, and monitor customers with confidence.

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