Group governance
Establish a common risk taxonomy, methodology, thresholds, enhanced due diligence triggers, change control and accountable ownership.
CUSTOMER RISK GOVERNANCE & ARCHITECTURE
Govern customer risk
across the whole lifecycle.
Connect group standards with local execution, reliable information and event-driven reassessment. Build a capability that remains understandable, accountable and responsive to change.
ONE CONNECTED CONTROL ARCHITECTURE
Group governanceMethodology · Standards · Challenge
Local executionJurisdictional requirements · Controls · Decisions
Data & risk eventsCustomer information · Ownership · Monitoring
Explainable risk decisions. Shared oversight. Ongoing reassessment.
Who this helps—and when to engage
For group compliance leaders and local teams managing customer risk across entities or jurisdictions. Engage ICRM when inconsistent methodologies, fragmented ownership data or delayed reassessment make consolidated oversight difficult.
PA / DESIGN THE CONTROL ARCHITECTURE
Shared standards.
Locally workable controls.
Different local standards, fragmented ownership information, inconsistent overrides and delayed reassessment can obscure the group’s understanding of customer risk. ICRM helps connect the methodology, operating model and evidence needed to manage those differences.
Jurisdictional execution
Document local requirements and approved variations. Explain how local controls meet group objectives and how exceptions are governed.
Data & event integration
Connect onboarding, screening, transaction monitoring, payments and relevant external events with customer risk decisions.
Explainability & oversight
Make scores, overrides, decisions and changes traceable. Develop management information that supports challenge and group-level oversight.
CE / CONNECT THE CUSTOMER LIFECYCLE
Risk changes.
The program must respond.
- 01
Onboard
Collect required information, establish initial risk and apply appropriate approvals.
- 02
Understand ownership
Connect customer profiles, beneficial ownership and relationships among parties.
- 03
Monitor change
Bring relevant internal and external events into risk reassessment.
- 04
Review & investigate
Use proportionate review, enhanced due diligence, escalation and documented disposition.
- 05
Reassess & report
Keep the customer risk profile current and give management useful information for oversight.
Findings, ownership changes and new risk events feed back into the customer profile, controls and governance.
TEST THE CAPABILITY BEFORE EXPANDING
A focused proof of concept.
A governed decision to proceed.
1Define the use case & success criteria
2Prepare data & risk inputs
3Configure flows, rules & scoring
4Design a parallel run
5Compare, challenge & remediate
6Decide the implementation path
AI can support a defined need such as extracting ownership information or summarizing a document package. Evaluate the output against the control objective, preserve appropriate human review and use evidence to decide whether to expand.
Regulatory mapping connects applicable requirements with control objectives, risk factors, data, workflows and evidence. Scope the mapping by jurisdiction and business activity, and maintain it as requirements change.
Likely deliverables
Final deliverables are agreed for the engagement and may include:
- Customer risk methodology and governance map
- Group standards, local variations and exception responsibilities
- Customer lifecycle, data and risk-event requirements
- Regulatory-to-control mapping and management reporting requirements
- Proof-of-concept scope and acceptance criteria
How to start
Use the contact form to describe your current challenge, proposed change and desired outcome. An initial conversation with Steve establishes whether ICRM can help; scope, responsibilities, deliverables and commercial terms are then agreed before work begins.
THE ICRM PA/CE℠ APPROACH
Sound judgment. Practical solutions.
Lasting capability.
Discuss your customer risk methodology, control architecture or group oversight priorities.
Contact Steve Explore feasibility & readiness