Dynamic, Transparent, and Seamless Assessment of Customer Risk
ThetaRay’s solution empowers banks and fintechs to improve their understanding of risk exposure associated with customers in real-time. ThetaRay Customer Risk Assessment ensures customer risk classification is dynamically and automatically updated as soon as changes to customer behavior or activity occur.
-
Continuous
-
Configurable
-
Holistic
Continuous
Unlike traditional customer due diligence (CDD), ThetaRay’s Customer Risk Assessment adapts to changes in real-time, delivering a more comprehensive and nuanced picture of customer risk.
Configurable
Choose an assessment cadence that aligns with your needs and receive results in your preferred format — including risk scores, classifications, or alerts — to maintain full control over your customer risk process.
Holistic
Harnesses both internal and external data sources to develop a complete view of the customer. Connect previously siloed systems and uncover new points of vulnerability to inform your decision-making.
Outpace Conventional Customer
Due Diligence
ThetaRay’s Customer Risk Assessment transforms due diligence from a manual periodic review to a dynamic perpetual review of customer risk. ThetaRay’s AI is specifically designed to analyze a multitude of customer data sources. This enhances customer segmentation, accelerates onboarding, and proactively checks behavior throughout the customer lifecycle – thus, minimizing customer friction and reducing unnecessary enhanced due diligence.
Global Tier 1 Bank
In a proactive move to make vast improvements to its AML program, the bank implemented ThetaRay and saw immediate results. This included:
- Reduced overall compliance costs
- Improved speed and accuracy of risk assessment process
- Identification of previously undetected customer risk
- Broader regulatory approval, including Central Bank
How it Works
1. Data exploration and application of client-specific risk assessment needs
2. Customer classification establishes a highly precise foundation for the model
3. Semi-supervised machine learning model classifies risk levels
4. Rating engine weighs risk features to provide explainability for each classification
5. Classifications displayed in the Investigation Center for ongoing review
6. Continuous fine-tuning of risk assessments with customizable frequency
-
Integrates internal and external data sources
-
Provides perpetual CDD and proactive risk evaluation
-
Ensures unbiased classification via machine learning
-
Segments high and low-risk customers
-
Reduces EDD and investigation time
-
Delivers consolidated view of risk across customer lifecycle
Our Partners
Leading brands trust ThetaRay
