Workflow uses a weighted scoring system to calculate risk — not a simple yes/no tally. Each question in the risk assessment carries a different point value, and your final score is the cumulative total across all your answers.
How the scoring works
Not all risk factors are equal. A question about whether the client is a paying more than 50,000 in physical cash carries a different weight than a question about whether the transaction is above average value. The system is designed to reflect real-world risk proportionality.
When you complete the risk assessment:
Each Yes answer adds a number of points to the total — the number varies by question
Each No answer adds zero points
Once all questions are answered, Workflow calculates the total score and maps it to a risk level
What the risk levels mean
Risk level | What it means |
Low | Few or no risk factors identified. No additional documentation required. |
Medium | A moderate number of risk factors present. Source of funds documentation may be required. |
High | Multiple significant risk factors identified. Source of funds and possibly source of wealth documentation is required. |
A single "Yes" does not mean high risk
This is the most important thing to understand about the scoring system.
Answering Yes to one risk factor will not automatically produce a high-risk result. A single elevated factor adds weight to the score, but risk only escalates when multiple factors combine.
One Yes to a significant factor → likely a High risk overall
Several Yes answers across moderate factors → may produce Medium risk or High Risk
This design prevents the system from penalising clients for minor or irrelevant factors that don't reflect genuine risk.
Why two separate assessments?
Workflow runs two distinct risk assessments per case:
Case risk assessment (Listing/Matter) — assesses the risk associated with the transaction itself
Client risk assessment — assesses the risk associated with the individual or entity
Each produces its own score. The higher of the two results should guide your overall approach. Both are saved to the case record automatically.
Can I override the result?
The automated score is a starting point, not the final word. If you have information that changes the picture then you can still approve the transaction. Always document your reasoning in the Notes tab of the case. Auditors will see your notes alongside the score.
Do not simply ignore a high-risk result without documenting your reasoning. The audit trail matters.
What happens after the score is calculated
Result | Your next step |
Low | Proceed with the transaction. No further documentation needed. |
Medium | Request source of funds documentation and upload it to the client via the Client Documents tab |
High | Request source of funds and source of wealth documentation before proceeding. Upload it to the Client Documents tab |
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