AML/KYC Customer Risk Scoring & Onboarding Engine – Excel XLSX

VIDEO DEMO

BENEFITS OF THIS DOWNLOADABLE EXCEL DOCUMENT

1. Automates customer risk scoring across 9 weighted factors with 30+ auto-override triggers, eliminating manual judgment and ensuring consistent, defensible ratings every time.
2. Integrates 4 sanctions frameworks -- FATF, OFAC SDN, UN Security Council, and EU Financial Sanctions -- across 15,909 formulas with zero errors, delivering audit-ready results from day one.
3. Includes full compliance infrastructure: Sanctions Log, Adverse Media Log, Audit Trail, MLRO Override tab, and 7AMLD Readiness Tracker -- everything needed to run and evidence a complete AML program.

COMPLIANCE EXCEL DESCRIPTION

AML/KYC Customer Risk Scoring & Onboarding Engine is an Excel template (XLSX) with a supplemental Zip archive file document available for immediate download upon purchase.

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. Developed by a certified AML/KYC professional (CAMS, CGSS), every formula, weight, and trigger cites a regulatory source – FATF Recommendations, Wolfsberg Principles, ISO 37301, 5AMLD, or 6AMLD. This is not a learning tool. It is a working compliance engine designed to run a real program.

THE SCORING ENGINE

A 9-factor hybrid weighted scoring model calculates customer risk instantly upon data entry. Factors and weights: PEP Exposure 18% (FATF R.12), Geography/Country Risk 16% (FATF R.10), Adverse Media 14% (6AMLD Art.6/Wolfsberg), Source of Wealth 12% (Wolfsberg/5AMLD), Occupation 11% (FATF R.10), Transaction Pattern 10% (FATF R.20), Entity Type 8% (5AMLD), Product/Service Risk 7% (5AMLD Art.16), Delivery Channel 4% (FATF R.15). Score thresholds: HIGH above 7, MEDIUM 4 to 7, LOW below 4.

4 INTEGRATED SANCTIONS FRAMEWORKS

FATF Blacklist – Iran, DPRK, Myanmar – Score 10, AUTO-HIGH. FATF Grey List – 26 jurisdictions tracked. OFAC SDN Comprehensive – Cuba, Iran, DPRK, Syria – Score 10. UN Security Council Consolidated – 15 country regimes – Score 10. EU Financial Sanctions – 5,726 entities – Score 9 to 10.

30+ AUTO-OVERRIDE TRIGGERS

When triggered, the system forces a HIGH risk rating regardless of the weighted score. Standard users cannot override – only the MLRO with written justification and Senior Management co-approval. Triggers include: Active PEP Status, OFAC SDN Hit, UN Sanctions Hit, FATF Blacklist Country, Internal Watchlist Match, Shell Company combined with High-Risk Country, Arms Dealer combined with Dark Web Channel, Crypto combined with Anonymous and High-Risk, and 20+ additional FATF typology-based combinations.

LOGGING AND AUDIT INFRASTRUCTURE

Sanctions Log – 400-entry capacity. Adverse Media Log – 400-entry capacity (6AMLD Art.6/Wolfsberg compliant). Audit Trail – 600-entry capacity (regulatory evidence file). MLRO Override tab – hidden, MLRO key required. 5-category Internal Watchlist: SAR Subjects, Local PEPs, Bank Alerts, Rejected Customers, High-Risk Associates.

TECHNICAL SPECIFICATIONS

15,909 formulas across 11 sheets – zero errors. 500-customer onboarding capacity. 140+ countries, 57 customer types, 59 occupations, 43 products, 28 delivery channels. Compatible with Microsoft Excel 2016 and later. No macros, no VBA, no cloud, no subscription, no internet required. 7AMLD Readiness Tracker – 10 anticipated requirements tracked.

WHAT YOU RECEIVE

1. Full working engine – 500-customer capacity, all 11 tabs active
2. 10-customer demo workbook with pre-filled risk profiles
3. 14-page User Guide and Technical Reference
4. Access Keys document – MLRO and Analyst keys included
5. MLRO Guide for Custom and National Sanctions Lists
6. Terms of Use – Single-organization license

WHO THIS IS BUILT FOR

Compliance Officers and MLROs. AML/KYC Analysts. Risk and Compliance Consultants. Banks, FinTech, and Financial Institutions. Compliance teams replacing manual spreadsheets. Organizations preparing for regulatory examination or audit.

LICENSE

Single-organization license. One-time purchase. No subscription. No recurring fees. Enterprise and multi-site licensing available upon request. This product supports your AML/KYC program. It does not constitute legal or regulatory advice. Always verify sanctions data against live official sources before making compliance decisions.

by Monaf Elsayed, CAMS, CGSS – FinGuard Studio Pro – v2026.2
FATF, ISO 37301, Wolfsberg, 5AMLD, 6AMLD, OFAC SDN, UN SC, EU Financial Sanctions

Source: Best Practices in Compliance, Fraud Excel: AML/KYC Customer Risk Scoring & Onboarding Engine Excel (XLSX) Spreadsheet, FinGuard Studio