Risk Profile Assessment Sample (Fictional)

Individual retail customer

Low

• The customer had consistent account activity since onboarding. 
• Transactions aligned with stated employment income. 
  
• No prior high-risk activity was observed.

The activity was identified during routine account monitoring.

• The customer began receiving frequent incoming ACH deposits from multiple third parties. 
  
• The deposits were labeled as payments for services. 
  
• Based on the available account information, the customer profile did not previously indicate any business-related activity.

Potential business-related activity that was not previously documented during onboarding.

• Increase in transaction volume and frequency. 
  
• Multiple third-party payment sources within a short period of time. 

• The customer’s activity showed a clear change from prior personal-use patterns. 
  
• The introduction of potential business-related activity increased overall risk and required reassessment.

Moderate, pending further review.

• The risk profile was updated to reflect the new activity. 
  
• The reassessment supported escalation to Compliance to determine appropriate risk classification. 
  
• No conclusions were made regarding intent or legitimacy.

The risk reassessment and escalation were documented in accordance with recordkeeping expectations.