Fraud & AML risk assessment software

Risk scoring for virtually
any use case

Whether it’s individuals, merchants, or transactions, Sumsub delivers adaptive scoring that evolves instantly with new data and behaviors.
Fraud & AML risk assessment software

Supercharge your flow with dynamic multi-factor scoring

Move beyond spreadsheets
Reduce manual effort and cut out human errors with automated scoring.
Customize verification flows
Fast-track honest customers while flagging risky ones for closer review.
Adapt in real time
Continuously monitor behavior and update scores instantly to counter emerging threats.

The advanced features powering your Risk Matrix with weighted scoring

  • Automation at scale
    Free compliance teams from repetitive scoring tasks, so they can focus on real investigations instead of manual review.
  • Adaptive risk scoring
    Updates risk levels automatically as new data and behaviors are detected, so controls never fall behind.
  • No-code implementation
    Give compliance managers direct control to configure risk scoring models without waiting on developers.
  • Full lifecycle coverage
    Extend risk scoring across the customer lifecycle—onboarding, transactions, and ongoing monitoring—ensuring consistent oversight.

How Risk Scoring works

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Create tags

Define risk factors (like geography or transaction size) and assign weights.

Apply to rules

Add tags to rules so they trigger scores when conditions are met.

Aggregate automatically

Scores from all factors are combined into a total risk score.

Update in real time

Each new event recalculates the score, giving you a live risk profile.

Reveal what’s behind your Total Risk Score

User data

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Product Usage
and behavior

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Transactions

Final Score0

Location, Device & IP

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Total Score
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Don’t take our word for it.
Here’s what our clients have to say

  • With Sumsub, our compliance managers can create and edit applicants’ levels, change customizations, and add verification parameters, considering users’ risk categorization. Besides, our team is expanding, and it’s getting more critical for a new team member to be able to work with a product straight away.
    Elena Moshchenko
    Elena Moshchenko
    Head of Freelancer Support at Solar Staff
  • The platforms we had before worked fine at an individual level, but they didn’t work well from a holistic risk management and efficiency point of view. I needed a helicopter view of what was happening, and I simply could not get that from the setup we had.
    Chet Shah
    Chet Shah
    Global Chief Risk & Compliance Office at Wirex

Level up your verification with the most advanced Risk Matrix on the market

FAQ

  • What is an AML risk assessment?

    An AML risk assessment is the process of evaluating the money-laundering and fraud risks a business faces, based on its customers, products, geographies, and transactions. Regulators expect companies to use these assessments to design effective compliance controls.

  • What are the 5 basic risk factor categories in AML?

    The five main AML risk factors are:

    1. 1. Customer risk (individuals or entities being onboarded).
    2. 2. Geographic risk (countries and regions involved).
    3. 3. Product/service risk (financial products or services offered).
    4. 4. Transaction risk (size, frequency, or type of activity).
    5. 5. Delivery channel risk (online, face-to-face, third-party intermediaries).

  • What is AML risk management?

    AML risk management is the framework of policies, tools, and procedures used to detect, assess, and mitigate financial crime risk. It covers ongoing monitoring, internal controls, reporting obligations, and continuous improvement of compliance programs.

  • What is AML customer risk scoring?

    AML customer risk scoring is the practice of assigning a numerical or categorical score to each customer based on their risk profile. Factors such as geography, transaction patterns, and source of funds are weighed to determine whether a customer is low, medium, or high risk.

  • What is an AML & fraud risk assessment tool?

    An AML and fraud risk assessment tool is software that automates risk evaluations. It aggregates factors like identity data, transactions, and behavioral signals into a risk score. This allows businesses to flag suspicious activity in real time while fast-tracking legitimate users.