Risk Based Approach
Context.
The Risk-Based Approach (RBA) prioritises AML/CFT effort where money-laundering and terrorist-financing risk is highest, within the institution's risk appetite. Since the 2012 FATF Recommendations, RBA has been an overarching expectation for effective controls — reinforced by national FIU and supervisory guidance, including in Belgium.
In practice, RBA means mapping risk factors (customer, geography, products, channels), building quantified scoring, calibrating thresholds, and documenting rationale for supervisors. Weak models either overload teams with false positives or miss genuine high-risk relationships.
Pideeco designs and calibrates customer and transaction risk-scoring methodologies that segment portfolios into actionable risk tiers, with matrices, review cycles, and documentation ready for NBB/CSSF scrutiny.
What we deliver.
How we work.
Risk Factor Mapping
We identify and weight risk factors - customer type, geography, products, channels - relevant to your specific business model.
Scoring Model Build
We design a quantified risk scoring model that segments customers and transactions into risk tiers.
Calibration & Testing
We back-test the model against your portfolio and adjust thresholds to minimise false positives and false negatives.
Documentation
We produce the written methodology, model governance notes and worked examples for your compliance file.
Why Pideeco
Senior experts
Every engagement is staffed with consultants who have held senior compliance or risk roles inside financial institutions.
EU regulatory expertise
Deep familiarity with NBB, CSSF, AMF, EBA, ESMA and ECB/SSM frameworks across Belgium, Luxembourg and beyond.
Fast turnaround
We start promptly and deliver to agreed timelines - without sacrificing quality or regulatory rigour.
Ready to get started?
A senior Pideeco consultant will respond to your enquiry within one business day.