Theta Score
Know your customer. Always.
Perpetual KYC. Risk profiles update as customers actually behave, and low- and medium-risk profiles clear onboarding instantly.
Cut enhanced due diligence workload by 60%
Live decisioning
Decisions returned while it still matters
Plug-and-play APIs return a risk decision at onboarding, so low- and medium-risk profiles clear instantly, with a documented trail.
Ray Score Investigation Layer
Live
Risk rating · Northwind Trading
REVIEW
Periodic review · 2,140 customers
CLEARED
Ownership change · Delta Holdings
ESCALATED
Behavioral refresh · 84,200 profiles
CLEARED
905,648
profiles scored today
-60%
EDD case volume
-60%
EDD case volume
-45%
periodic review effort
Continuous
risk visibility across the lifecycle
Zero
onboarding drop-offs for low and medium risk
How a score decision gets made
Greenlight at onboarding
Low- and medium-risk profiles clear instantly via plug-and-play APIs. No manual bottleneck.
Score on behavior
The risk profile updates as customers actually behave, replacing static, calendar-based reviews.
Trigger on real signal
EDD opens when material behavior changes, not when the calendar says so.
Keep the lineage
Each score carries the data points and model version that produced it.
Ray Hub
Ray Score Agent sits on top of Theta Score
Detection finds it. The agent works it: assembling the case, explaining the score and documenting every decision. Ray is vendor-agnostic: it plugs into any case management system and layers over any detection engine, ThetaRay or your incumbent.
Ray Score Agent
Autonomous greenlighting, dynamic behavioral risk scoring and native reuse of your transaction monitoring data, with one audit trail behind every decision.
Theta Hub · detection engines
Blog
Transaction monitoring
How AI Is Transforming Financial Crime Detection in 2025: From Customer Due Diligence to Transaction Monitoring
Frequently asked questions
What is Theta Score?
Theta Score is ThetaRay's perpetual KYC engine: know your customer, always. It replaces static, calendar-based reviews with dynamic behavioral risk scoring, so the risk profile updates as customers actually behave.
How does Theta Score speed up onboarding?
Autonomous greenlighting: low- and medium-risk profiles clear onboarding instantly via plug-and-play APIs, with no manual bottleneck and zero drop-offs for those profiles.
How does Theta Score reduce enhanced due diligence workload?
EDD opens when material behavior changes, not when the calendar says so. That cuts EDD case volume by 60% and periodic review effort by 45%.
Does Theta Score work with Theta Monitor?
Yes, natively. Existing Theta Monitor clients reuse their live data pipelines in Theta Score, cutting implementation time dramatically.
Can Theta Score decisions be audited?
Yes. Each score carries the data points and model version that produced it, and every explainable decision comes with a documented, immutable audit trail.
Don't just flag. Resolve.
See Theta Score run on your own data and typologies.