On July 1, 2017, the fourth European Union Directive on the prevention of money laundering came into force. The new directive provides for constant monitoring of all customers, reinforcing the need for continuous risk assessment, based on information provided by customers or collected from other sources.

One of the most successful methods for such assessment is scoring. Based on different risk and profile factors, the scoring assigns a score to each client, taking into account the information that the client provides at the time of opening the account or the information that the institution collects, over time, in the database. The scoring solution uses advanced algorithms to calculate the risk level of that same client.

Quidgest’s scoring solution, QScoring, is prepared to analyze and implement different types of information and consolidate it through a scoring system.

“Scoring Quidgest, provides easy ratings for interpretation and uncomplicates the scoring process


Complex regulation and with great impact on the policies, procedures and controls of the obligated entities
Constant customer monitoring
Quantity and quality of data
Suitability of models to reality


Definition of various types of scoring
Definitions of different scoring types by population
Assignment of weights to each parameter
Assigning points to each achievement (value or interval)
Simulations and Reports
Calculation of the score according to the predefined values
Calculation of punctual (Ad-hoc) and automatic scoring (Scheduled)


Continuous risk assessment of clients
Customer data change monitoring
Data Traceability



Anti-Money Laundering

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