/ WHAT GOES INTO A SCORE
Six factors, weighted and transparent.
Geography & corridors
Destination countries and higher-risk corridors the agent serves.
Volume & velocity
Transaction volume, ticket sizes, and how fast they move.
Product mix
Remittance, check cashing, currency exchange, prepaid, and their relative risk.
Customer base
Cash intensity, walk-in vs. known customers, PEP exposure.
Compliance history
Past findings, filing accuracy, shop and inspection scores.
Controls in place
Training currency, screening tooling, recordkeeping strength.
/ THE RISK MATRIX
Likelihood meets impact.
Every agent lands on a matrix of likelihood and impact — so the ones in the top-right corner get your attention and your controls, and the rest get proportionate oversight. It’s the picture an examiner expects to see.
- A defensible, documented methodology
- Re-scored yearly or on any material change
- Feeds monitoring frequency and EDD triggers
/ TIERS DRIVE ACTION
A rating that actually does something.
Standard monitoring · annual re-score
Closer monitoring · semi-annual review
Enhanced due diligence · quarterly review