KYC Compliance Risk Level Calculator

ANA›Life Services Authority›National Calculator Authority›KYC Compliance Risk Level Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

KYC Compliance Risk Level Calculator

Assess the KYC compliance risk level of a customer based on key due diligence factors including country risk, business type, transaction volume, PEP status, and adverse media exposure.

Country Risk Rating

-- Select -- Low Risk (e.g. USA, UK, Germany, Australia) Medium Risk (e.g. Brazil, India, Mexico, South Africa) High Risk (e.g. FATF Grey List countries) Very High Risk (e.g. FATF Black List / Sanctioned countries)

Business / Customer Type

-- Select -- Individual (Salaried / Retail) Small Business / SME Corporate / Large Enterprise Money Service Business / Crypto / Gambling Shell Company / Trust / Foundation

Annual Transaction Volume (USD)

PEP (Politically Exposed Person) Status

-- Select -- Not a PEP Close Associate / Family Member of PEP Domestic PEP Foreign PEP / International Organisation PEP

Adverse Media / Negative News

-- Select -- None Found Minor / Unconfirmed Reports Confirmed Adverse Media (Financial Crime Related) Sanctions / Watchlist Match

Source of Funds Clarity

-- Select -- Fully Documented & Verified Partially Documented Undocumented / Unclear Suspicious / Inconsistent

Calculate Risk Level

function kycCalc() { // Clear errors var errIds = ['kyc-country-risk-err','kyc-business-type-err','kyc-txn-volume-err', 'kyc-pep-status-err','kyc-adverse-media-err','kyc-source-of-funds-err']; errIds.forEach(function(id){ document.getElementById(id).textContent = ''; });

var valid = true;

// --- Inputs --- var countryRisk = document.getElementById('kyc-country-risk').value; var businessType = document.getElementById('kyc-business-type').value; var txnVolumeRaw = document.getElementById('kyc-txn-volume').value.trim(); var pepStatus = document.getElementById('kyc-pep-status').value; var adverseMedia = document.getElementById('kyc-adverse-media').value; var sourceOfFunds = document.getElementById('kyc-source-of-funds').value;

// --- Validation --- if (countryRisk === '') { document.getElementById('kyc-country-risk-err').textContent = 'Please select a country risk rating.'; valid = false; } if (businessType === '') { document.getElementById('kyc-business-type-err').textContent = 'Please select a business/customer type.'; valid = false; } if (txnVolumeRaw === '' || isNaN(Number(txnVolumeRaw)) || Number(txnVolumeRaw) = 50000 && txnVolume = 500000 && txnVolume ' + r.label + '' + r.weight + '' + r.rawScore + '' + r.normScore + '%' + r.contribution + ''; }).join('');

// --- Render --- var resultDiv = document.getElementById('kyc-result'); resultDiv.style.display = 'block'; resultDiv.innerHTML = '### KYC Risk Assessment Result ' + '' + '' + score + ' / 100' + '' + riskLevel + '' + '' + '' + '' + 'Factor' + 'Weight' + 'Raw Score' + 'Normalised' + 'Contribution' + '' + '' + tableRows + '' + '' + 'Composite Risk Score' + '' + score + ' / 100' + '' + '' + (escalated ? '⚠️ ' + escalationNote + '

' : '') + '' + 'Due Diligence Level: ' + ddLevel + '' + 'Recommended Action: ' + action + ''; }

#### Formula

Composite Risk Score (CRS) is calculated as a weighted sum of normalised factor scores:

CRS (0–100) = 100 × [ (0.25 × Ncountry) + (0.20 × Nbusiness) + (0.15 × Ntxn) + (0.20 × Npep) + (0.15 × Nadverse) + (0.05 × Nsource) ]

Where each Nfactor = Raw Score ÷ Maximum Raw Score for that factor (normalised to 0–1).

Transaction Volume Scoring:

Risk Level Thresholds:

Automatic Escalation Rules: Sanctions/Watchlist match forces score ≥ 75; Foreign PEP forces score ≥ 65, regardless of weighted calculation.

#### Assumptions & References

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References

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