Dynamic risk scoring enables organisations to continuously reassess customer and transaction risk as new information becomes available. Rather than relying on static risk ratings set at onboarding, dynamic scoring reflects changes in behaviour, exposure, and contextual signals over time.

Within the Facctum platform, dynamic risk scoring supports solutions such as Customer Screening, Payment Screening, and Transaction Monitoring, helping compliance teams maintain accurate risk profiles throughout the customer lifecycle.

Why Dynamic Risk Scoring Is Needed

Static risk models struggle to keep pace with evolving customer behaviour and external risk factors. Changes such as increased transaction activity, new geographic exposure, or sanctions updates can materially alter risk levels but may not be reflected in fixed scores.

Dynamic risk scoring addresses this gap by continuously updating risk assessments as conditions change, supporting more timely and proportionate compliance responses.

How Dynamic Risk Scoring Works

Dynamic risk scoring works by evaluating multiple inputs including screening outcomes, transaction patterns, behavioural indicators, and contextual data. These inputs are combined to adjust risk scores incrementally rather than through infrequent manual reassessment.

Scores can be recalculated in near real time and used to influence monitoring intensity, alert thresholds, and escalation workflows.

What Makes Facctum’s Approach Different

Facctum’s dynamic risk scoring is designed to be transparent, explainable, and configurable. Risk factors and weighting can be aligned with organisational policy and regulatory expectations.

This ensures that scoring remains adaptive without becoming opaque or difficult to justify during regulatory review.

Where Dynamic Risk Scoring Is Used

Dynamic risk scoring is applied in scenarios such as:

• Ongoing customer risk assessment

• Transaction monitoring prioritisation

• Sanctions exposure changes

• Behavioural risk escalation

These use cases benefit from more responsive and accurate risk classification.

How Dynamic Risk Scoring Fits Into The Platform

Dynamic risk scoring integrates with other platform capabilities such as continuous screening, probability-based decisioning, explainable scoring, and case prioritisation. It can be applied consistently across customer, payment, and transaction workflows.

This integration ensures that risk assessments inform downstream compliance actions.

Adapt Risk Assessments As Conditions Change

Learn how dynamic risk scoring can improve responsiveness and accuracy across compliance workflows, speak with the Facctum team to see how this capability integrates into your risk management approach.