---
title: "FATF Customer Risk Rating"
method: POST
path: "/v1/tools/fatf_customer_risk_rating"
tags: ["FATF", "AML", "KYC", "CDD", "EDD", "customer risk", "risk-based approach", "KYA", "compliance"]
---

# FATF Customer Risk Rating

`POST /v1/tools/fatf_customer_risk_rating`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/fatf_customer_risk_rating`
- Auth: none declared

Score a customer across 6 FATF Recommendation 10/12 risk dimensions (entity type, geography, product/service, channel, PEP/sanctions exposure, transaction pattern) to derive a composite AML risk tier and required CDD level. Outputs per-dimension breakdown and Policy Mandate JSON.

**Tool URL:** https://ainumbers.co/tools/477-fatf-customer-risk-rating.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `entity_type` 'individual_standard' | 'corporate_standard' | 'corporate_complex' | 'charity_npo' | 'pep_domestic' | 'pep_foreign', required: Customer/entity type
  - `geography` 'low_risk' | 'standard' | 'fatf_grey' | 'sanctions' | 'tax_haven', required: Jurisdiction risk level
  - `product_service` 'standard_deposit' | 'internet_banking' | 'cash_intensive' | 'crypto_dlt' | 'private_banking' | 'trade_finance' | 'correspondent', required: Product or service category
  - `channel` 'face_to_face' | 'non_face_verified' | 'digital_biometric' | 'agent_intermediary' | 'correspondent_nested' | 'anonymous', required: Onboarding/delivery channel
  - `pep_sanctions` 'none' | 'distant_link' | 'close_associate' | 'domestic_pep' | 'foreign_pep_or_sanctions', required: PEP and sanctions exposure level
  - `transaction_pattern` 'low_velocity' | 'moderate' | 'elevated_cross_border' | 'high_velocity_structuring' | 'red_flag', required: Observed or expected transaction risk pattern
  - `w_entity` number: Weight for entity dimension (default 1)
  - `w_geo` number: Weight for geography dimension (default 1)
  - `w_product` number: Weight for product dimension (default 1)
  - `w_channel` number: Weight for channel dimension (default 1)
  - `w_pep` number: Weight for PEP/sanctions dimension (default 1)
  - `w_txn` number: Weight for transaction pattern dimension (default 1)

## Response `200`

Successful tool execution result

- object
  - `composite_score` number
  - `risk_tier` 'Low' | 'Medium' | 'High' | 'Prohibited'
  - `cdd_level` string
  - `dimensions` unknown[]
    - unknown
  - `ap2_mandate` object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)