The solution uses a dynamic multi-factor risk matrix to continuously update scores as behaviors change, empowering businesses to proactively counter emerging threats

We are pleased to announce the launch of our new Risk Scoring solution—a dynamic risk assessment engine that transforms how businesses detect, measure, and mitigate financial crime risk across the entire customer lifecycle. The solution enables compliance and risk teams to make faster, more informed decisions while reducing manual workload.

With Risk Scoring, Sumsub extends risk assessment across the entire customer lifecycle—from onboarding to ongoing transaction monitoring. The solution allows businesses to tailor scoring to their unique risk models by defining and weighting factors such as geography, transaction type, device, payment method, and user behavior. These elements are combined within a dynamic multi-factor matrix, where scores from all factors are continuously aggregated into a total risk score. Each factor is recalculated as user activity evolves, ensuring that risk controls and compliance decisions remain current, contextual, and aligned with global regulatory standards.

“Fragmentation and manual processes have become a critical bottleneck for compliance and risk teams worldwide,” said Andrew Novoselsky, Chief Product Officer at Sumsub. “With Risk Scoring, we’re delivering a fully automated, real-time solution that empowers businesses to build custom risk models, adapt instantly to emerging threats, and ensure every compliance decision is backed by the latest behavioral insights—helping them manage risk continuously and maintain confidence in a fast-changing regulatory landscape.”

Key benefits of Risk Scoring include: 

• Adaptive risk matrix: Update risk levels as new data and behaviors emerge, ensuring every decision reflects the most accurate context.
• Automation at scale: Reduce manual workload, allowing compliance and risk teams to focus on investigations and higher-risk cases.
• No-code configuration: Empower compliance teams to design and configure risk scoring models independently, without developer input.
• Full lifecycle protection: Extend real-time risk assessment across the entire customer lifecycle—from onboarding to ongoing monitoring, ensuring consistent oversight.
• Weighted scoring: Combine multiple risk signals into one holistic score, using transaction tags to categorize detected risks as low, medium, or high. This helps compliance teams quickly prioritize reviews and focus on the cases that matter most, enabling faster and more targeted decision-making.

Internal data from Sumsub reveals that 76% of fraud occurs after onboarding, during user activities such as transactions, logins, and profile updates. In 2024, businesses lost an average of $300,000 per fraud incident—underscoring the urgent need for continuous risk monitoring beyond initial identity verification. This urgency is magnified by shifting global regulations. The Financial Action Task Force’s (FATF) 2025 guidance and the European Commission’s latest AML package, which includes the creation of the EU Anti-Money Laundering Authority (AMLA), both highlight the industry’s move toward a unified, risk-based approach to strengthen global anti-money laundering standards.

These developments are reshaping expectations for regulated and high-risk sectors such as financial services, crypto, trading, and iGaming, where evolving fraud tactics and complex transaction patterns demand more adaptive risk assessment frameworks. Businesses are now expected to evaluate, score, and act on risk at every interaction—something static, legacy tools struggle to support in today’s fast-changing compliance environment.

To learn more about Sumsub’s Risk Scoring, please visit: https://sumsub.com/aml-risk-score/.