Smarter Risk Decisions. Complete Customer Insight.

Our Customer Screening delivers the depth, speed, and flexibility your risk strategy demands. These powerful features drive smarter decisions and stronger compliance, right from the core:

Integrated Platform (IPF): Central and secure data platform for the end-to-end exchange and utilization of customer information across all Smaragd modules

Flexible Data Integration: Open interfaces for easy connection to existing systems and seamless further processing of risk assessments.

Configurable Risk Model: Customizable model based on a variety of risk factors such as geography, industry, credit rating, product or company structure for each customer or partner type.

Smart Risk Assessment: Linking static customer data with dynamic transaction behavior for more precise risk assessment.

Initial and Extended Customer Screening: Takes into account the risk of both individual customers and related parties. Includes risk inheritance within economic structures.

Multiple Transaction Risk Assessment: Enables the differentiated assessment of transaction risks based on various risk types - such as money laundering (AML), fraud and terrorist financing (CFT)

Multidimensional Risk Scoring: Simultaneous assessment of several risk dimensions such as AML, fraud and CFT within a central model.

Dynamic Risk Rules: Automated adjustment of the risk profile in the event of information that is or becomes incriminating or disproved suspicions.

Transparent Visualization of Beneficial Owners: Clear visualization of complex ownership structures and beneficial owners.

Network Visualization: Visualization of customer relationships within the organization - including related parties, shareholdings and risk interdependencies.

Integrative Data Processing: Linking with other Smaragd modules such as Customer Screening (e.g. PEP hits) and Transaction Monitoring - for a comprehensive risk picture.

Portfolio Analyses: Analysis and comparison of risk distributions across different business units or customer segments - for better management and prioritization.

• Future Proof: Smaragd is ‘AMLD 6 Ready’ and already fulfils all requirements of the 6th EU Money Laundering Regulation. This comprehensive preparation includes separate risk assessment for money laundering, fraud and terrorist financing, enabling companies to proactively identify and manage potential risks. In addition, the software enables the consideration of complex ownership structures and the risks of related parties, so that companies are optimally prepared for the requirements of the new directive.
• Flexibility:  The suite's customizable risk model allows compliance officers to flexibly consider specific risk factors and respond quickly to changing regulatory requirements.
• Holistic Approach to Risk Monitoring: Multi-dimensional risk assessment and transparent visualization of complex ownership structures provide compliance officers with a comprehensive view of risks, enabling informed decision-making.
• Cost-efficient: Open interface architecture enables seamless integration with existing systems, which simplifies implementation and reduces operating costs.