Skip to main content
Risk assessments are a core AML/CTF requirement for Tranche 2 professionals. ClearAML walks you through a structured questionnaire for each client type and automatically calculates a risk rating — Low, Medium, or High — based on the answers. Completed assessments are stored permanently on the client’s profile and can be exported as a PDF for your compliance file.

​
The risk assessments dashboard

Navigate to Dashboard → Risk Assessments to see assessments across all clients. The dashboard shows four summary tiles:

Total assessments

The total number of assessments on file, across all clients and risk levels.

High risk

Clients currently rated High risk. Click to filter the table to this group.

Medium risk

Clients currently rated Medium risk.

Pending

Clients who have been verified but have not yet had a risk assessment completed.
The table is sortable by client name, status, risk level, last assessed date, and next review date. Use the search bar to find a specific client, and use the Risk and Status dropdowns to filter the list.

​
How risk scoring works

ClearAML uses a structured risk engine that scores clients across multiple factors. The factors assessed depend on the client type.
The questionnaire for individual clients considers:
  • Nationality and residential country — residence or citizenship in a FATF grey- or black-listed jurisdiction increases risk.
  • Countries of operation / wealth origin — countries where the client earns income or holds assets.
  • Occupation / industry — certain occupations carry inherently higher money-laundering exposure.
  • Source of funds — employment, business income, investments, inheritance, crypto, or other.
  • Annual income — higher income bands are weighted differently.
  • Onboarding channel — face-to-face onboarding is lower risk than purely digital.
  • PEP status — whether the client is a Politically Exposed Person.
  • Adverse media — whether negative news coverage has been recorded.

​
Risk ratings

After you submit the questionnaire, ClearAML calculates one of three ratings:
Review cycles are calculated automatically from the assessment date and appear in the Next Review column on both the Assessments dashboard and the Clients table.

​
Running a risk assessment

1

Open the client profile

Go to Dashboard → Clients and click the client whose assessment you want to complete or update.
2

Start the questionnaire

From the client’s summary area, click Run Risk Assessment (or the equivalent action in the client details section). The questionnaire opens, pre-filled with any data already on file.
3

Complete the questionnaire

For individual clients the form is split across two tabs: complete the Client Profile tab first (identity, occupation, income, source of funds, and any sector-specific fields), then click Next to move to the Risk Factors tab and answer the Yes/No risk questions. Fields pre-populated from previous assessments or client data can be adjusted if circumstances have changed.
4

Submit

Click Submit. ClearAML calculates the risk rating instantly and saves it to the client’s profile. A toast notification confirms the rating.

​
Client-declared answers (real estate self-onboarding)

If the client completed the AML questionnaire during self-onboarding, their declared answers appear inside the assessment:
  • A collapsible Client’s declared answers panel at the top of the Client Profile tab shows everything the client submitted, together with their signed declaration.
  • Declared occupation, income, source of funds, and country of residence pre-fill the matching profile fields on a fresh assessment (a previously saved assessment always takes precedence).
  • Risk questions the declaration points at — for example a declared PEP position, payment in physical currency of $50,000 or more, virtual assets, an unfinanced purchase at $1.5 million or more, or a third-party representative — carry a “Client declared: Yes” badge.
The badges are informational only. You still answer every risk question yourself; the client’s declaration is evidence for your judgment, not a substitute for it.

​
Escalation

Some combinations of risk factors trigger an automatic escalation flag. When escalation is triggered:
  • The assessment is marked with an Escalation badge in the Assessments table.
  • The client’s compliance checklist prompts you to complete Enhanced Due Diligence (EDD).
  • An EDD case is created under the client’s profile for tracking additional review steps and documentation.
High-risk clients and escalated assessments require Enhanced Due Diligence (EDD) under the AML/CTF Act. Do not onboard or continue to service a high-risk client without completing EDD and documenting your findings.

​
Downloading PDF reports

Every completed assessment can be exported as a PDF risk assessment report suitable for your compliance file.
1

Go to the Risk Reports tab

Open the client’s profile and select the Risk Reports tab.
2

Find the assessment

The tab lists all assessments in reverse chronological order, each showing the risk rating and the date it was completed.
3

Download the PDF

Click Download PDF next to the assessment you want to export. The report downloads immediately.
Run a fresh assessment whenever a client’s circumstances change — new business activity, change of directors, or a new jurisdiction of operation. ClearAML keeps a full history, so you always have an auditable trail of how the risk rating has changed over time.