Customer Risk Segmentation vs Portfolio Consistency

Define standardised risk tier definitions with documented threshold governance to ensure consistent customer treatment across all business lines.

CyberTRIZ analysis · Banking contradiction AML031 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

FATF BE_NBB_GOVERNANCE_MANUAL_2022 COSO_ERM BCBS_239 COBIT2019

Business Context

Risk-based AML programmes require customers to be segmented according to different risk profiles. Excessive customization, however, may lead to inconsistent treatment across the customer portfolio.

Banking TRIZ Resolution

Define standardized risk categories supported by configurable thresholds and consistent governance while allowing controlled flexibility for exceptional cases.

Recommended Banking TRIZ Principles

Principle 1 - Segmentation

Principle 33 - Homogeneity

Principle 35 - Parameter Changes

Principle 40 - Composite Materials

Expected Outcome

Consistent AML decisions

Better portfolio governance

Improved compliance

Easier regulatory review

TRIZ principles applied

P1 SegmentationP33 HomogeneityP35 Parameter ChangesP40 Composite Materials

Controls that address this (13)

FATF-AML-001 - Implement Risk-Based AML/CFT Approachoperational · critical priority · Implement a risk-based approach to AML/CFT covering: national risk assessment awareness, institutional risk assessment, risk-based allocatio FATF-CDD-001 - Implement FATF-Standard Customer Due Diligenceoperational · critical priority · Apply CDD measures to all customers: identify and verify customer identity, identify beneficial owners, understand the purpose of the busine FATF-R1-001 - Institutional AML/CFT Risk Assessmentgovernance · critical priority · Conduct a comprehensive institutional AML/CFT risk assessment covering: products and services, customer types, delivery channels, and geogra