AML Risk Assessment
Systematic institutional AML risk assessment aligned with FATF methodology
Overview
A risk-based approach to AML/CFT begins with a thorough institutional risk assessment. Estabizz conducts structured AML risk assessments using FATF methodology and RBI/SEBI guidance, identifying your entity's inherent risks, evaluating existing controls, and producing a residual risk rating with a prioritised remediation roadmap.
What We Offer
How It Works
Data Collection
Gather information on customer base, transaction volumes, geographies, products and existing controls.
Inherent Risk Scoring
Score each risk dimension (customer, product, geography, channel) using a structured risk matrix.
Control Assessment
Evaluate the effectiveness of existing KYC, transaction monitoring, screening and reporting controls.
Residual Risk & Report
Calculate residual risk ratings, produce the heat-map and draft the Board-level risk assessment report.
Documents Required
- Customer base segmentation data (categories, volumes, geographies)
- Product and service catalogue
- Existing KYC/AML policy and CDD procedures
- Transaction volume statistics (anonymised)
- Previous audit or regulatory inspection reports (if any)
Frequently Asked Questions
How frequently should an AML risk assessment be conducted?+
Annually as a minimum, and whenever there is a material change — new product launch, entry into a new geography, significant change in customer mix, or a regulatory inspection finding.
Is an AML risk assessment the same as an AML audit?+
No. A risk assessment identifies and rates AML/CFT risks. An AML audit tests whether existing controls are operating effectively. Both are required; the risk assessment informs the audit scope.
What is the output of the risk assessment?+
A written risk assessment report with an inherent risk matrix, control rating, residual risk heat-map and a time-bound action plan — suitable for Board approval and regulator review.
AML Risk Assessment — Start Today
Systematic institutional AML risk assessment aligned with FATF methodology
Book a Free Consultation →