Individual Customer Risk-Rating Made Simple with AMLHUB

Since 1 June 2025, Individual Customer Risk-Rating (ICRR) was mandated for all reporting entities under New Zealand’s AML/CFT framework – both at onboarding, and to be considered as part of ongoing Customer Due Diligence (CDD). 

At AMLHUB, we’ve taken that requirement and built it straight into our platform, so you can manage risk without adding admin to your day.

How Risk-Rating Fits in Your Workflow

Risk-rating isn’t a separate task – it’s seamlessly built into your onboarding process. As you onboard a client, the AMLHUB’s methodology calculates your client’s risk score as low, medium or high, based on your client’s attributes. This supports a truly risk-based approach that aligns with Supervisor expectations.

Developed by AML Solutions consultants and tested across hundreds of real cases, it’s designed for businesses of any size, in any sector. It helps reporting entities focus resources on higher risk customers, while reducing the client burden for low-risk customers.

With AMLHUB, you’ll see the calculated risk level clearly displayed – and you’ll have the ability to adjust it using your judgmental overlay, so it reflects your wider risk assessment.

Manual risk-rating processes can be time-consuming, especially when dealing with spreadsheets or multiple systems. AMLHUB removes that possibility by automating calculations and keeping everything in one place. The methodology is robust and trusted; however, the accuracy of results still depends on the quality of your inputs – so it’s important to ensure data is entered correctly.

Here's How it Works For You

Smarter Ongoing CDD

Risk doesn’t stay the same – it can evolve as customer behaviour, transactions, or circumstances change. Consider risk as part of your ongoing CDD to ensure information remains accurate and aligned with your obligations.

We Can Do the Heavy Lifting: Outsource with CDDO

Sometimes, the best way to reduce admin is to hand it over completely. With Customer Due Diligence Outsourcing (CDDO), our expert compliance team can assist you with conducting CDD and obtaining answers to the attributes required for your risk-rating.

Whether you want to outsource the entire CDD process, adopt a hybrid model, or use CDDO for quality assurance checks, we can tailor our support to suit your needs. CDDO takes the pressure off you, giving you more time to focus on your business while knowing your compliance is in safe hands.

Ready To Get Started?

If you’re already using AMLHUB, the risk-rating process is built to align with AML/CFT expectations from the start. As you onboard clients, risk is assessed automatically based on the information you enter, helping you stay compliant.

If you’re looking for extra support, CDDO offers flexible options to suit your business needs. We carry out CDD using the details you supply – so you stay in control with full oversight, while we handle the compliance detail.

Get in Touch

Whether you’re looking to implement or simplify your risk-rating processes, or outsource your CDD, we’re here to help you find the right fit. Let’s chat about what would work best for your business.

See AMLHUB in action - get in touch for a no-obligation demo.