AML Risk Assessment Template and Sample Rating Matrix | Downloadable Template & Raw Data


When on-boarding new customers, and throughout the relationship with each customer, financial institutions are required by regulators to perform anti-money laundering (AML) and know-your-customer (KYC) risk assessments to determine a customer’s overall money laundering risk.

Firms must comply with the Bank Secrecy Act and its implementing regulations (Anti-Money Laundering rules). The purpose of these rules is to help detect and report suspicious activity including money laundering, terrorist financing, securities fraud and market manipulation.

When conducting due diligence on new or existing customers, firms normally use a risk assessment template and matrix, similar to the ones presented in the sections below, to determine the overall risk of the client.

Click here to let me know if you have any questions regarding this publication | Ogbe Airiodion (Senior AML/KYC/Compliance Consultant).


Risk Rating Calculation Models

Risk assessment templates used by financial institution firms are either in Excel, in a third-party platform, or built into and managed within an internal tool.

These risk assessment templates/matrices have detailed risk scoring logic and formulas that calculate the overall risk score for a client.



Key Assessment Factors

The theory supporting risk assessment tools and templates is based on the concept that a client’s risk AML profile can be measured by applying data-driven and risk-based calculations on risk categories identified by financial experts and the regulatory community. 

To determine a customer’s overall risk rating, a select list of variables are assessed, and each one is rated as low, medium or high risk. (Some firms only have low and high risk classification – no medium risk).

Note that risk factors and scores for clients may vary by financial institution, jurisdiction, and customer segment as different types of customers will have different types of risks associated with them.

For example, a customer’s country of domicile or business registration might be rated low if the customer is domiciled in a low-risk country (e.g., the U.S.) or rated high if the customer is located in a high-risk country (e.g., Colombia or Cuba).



Sample Risk Assessment Template

Click here to download the below KYC CDD Risk Rating Calculation Table in Excel so you can use it for your purposes. Please note that the below average score rating is just a simple average.

CDD Risk Score Calculation (Sample)


Applying Weights to Your Risk Calculations

Please note that we have not weighted any of the risk factors higher than the others. It is up to you and your firm (based on your firm’s risk appetite) to determine the weights to apply to each of these risk components.

Firms often assign higher weight factors to a customer’s source of wealth, country of residency, purpose of account, industry, etc.

Below is an example:



Risk Rating Scores – Tables & Raw Data

For risk scores used by financial firms across the industry, see the below tables. Click here to download the raw data: Risk Rating Scores for Assigning CDD Risk Ratings

Risk Level for Country of Government
Risk Level for Country of Incorporation
Risk Level for Country of Operation
Risk Level for Authorized Signers
Risk Level for Country of Nationality
Risk Level for Country of Residency
Risk Level (Government Income)
Risk Level for Industry
Risk Level for Legal Structure
Risk Level for Management
Risk Level for Owners
Risk Level for Primary Regulatory Body
Risk Level for Purpose of Account
Risk Level for Source of Wealth
Risk Level for High Risk Transactions


Risk Rating Scores – Country of Incorporation

Country of IncorporationRisk Level for Country of IncorporationScore
AfghanistanHigh5
Åland IslandsHigh5
AlbaniaHigh5
AlgeriaHigh5
American SamoaLow1
AndorraHigh5
AngolaHigh5
AnguillaMedium3
AntarcticaLow1
Antigua and BarbudaMedium3
ArgentinaMedium3
ArmeniaLow1
ArubaMedium3
AustraliaLow1
AustriaLow1
AzerbaijanHigh5
Bahamas (the)High5
BahrainMedium3
BangladeshMedium3
BarbadosMedium3
BelarusHigh5
BelgiumLow1
BelizeHigh5
BeninMedium3
BermudaMedium3
BhutanLow1
Bolivia, Plurinational State ofHigh5
Bonaire, Sint Eustatius and SabaLow1
Bosnia and HerzegovinaMedium3
BotswanaLow1
Bouvet IslandLow1
BrazilMedium3
British Indian Ocean Territory (the)Low1
Brunei DarussalamLow1
BulgariaLow1
Burkina FasoLow1
BurundiMedium3
Cabo VerdeLow1
CambodiaMedium3
CameroonMedium3
CanadaLow1
Cayman Islands (the)Medium3
Central African Republic (the)High5
ChadMedium3
ChileLow1
ChinaMedium3
Christmas IslandLow1
Clipperton IslandLow1
Cocos (Keeling) Islands (the)Low1
ColombiaHigh5
ComorosMedium3
CongoMedium3
Congo (the Democratic Republic of the)High5
Cook Islands (the)High5
Costa RicaHigh5
Côte d’IvoireHigh5
CroatiaLow1
CubaHigh5
CuraçaoMedium3
CyprusHigh5
Czech Republic (the)Low1
DenmarkLow1
DjiboutiLow1
DominicaMedium3
Dominican Republic (the)High5
EcuadorHigh5
EgyptHigh5
El SalvadorHigh5
Equatorial GuineaHigh5
EritreaHigh5
EstoniaLow1
EthiopiaHigh5
Falkland Islands (the) [Malvinas]Low1
Faroe Islands (the)Low1
FijiLow1
FinlandLow1
FranceLow1
French GuianaLow1
French PolynesiaLow1
French Southern Territories (the)Low1
GabonLow1
Gambia (The)Low1
GeorgiaLow1
GermanyLow1
GhanaLow1
GibraltarMedium3
GreeceLow1
GreenlandLow1
GrenadaHigh5
GuadeloupeLow1
GuamLow1
GuatemalaHigh5
GuernseyMedium3
GuineaHigh5
Guinea-BissauHigh5
GuyanaLow1
HaitiHigh5
Heard Island and McDonald IslandsLow1
Holy See (the) [Vatican City State]Low1
HondurasHigh5
Hong KongMedium3
HungaryLow1
IcelandLow1
IndiaHigh5
IndonesiaHigh5
Iran (the Islamic Republic of)High5
IraqHigh5
IrelandLow1
Isle of ManMedium3
IsraelLow1
ItalyLow1
JamaicaHigh5
JapanLow1
JerseyMedium3
JordanLow1
KazakhstanHigh5
KenyaHigh5
KiribatiLow1
Korea (the Democratic People’s Republic of)High5
Korea (the Republic of)Low1
KosovoLow1
KuwaitMedium3
KyrgyzstanHigh5
Lao People’s Democratic Republic (the)High5
LatviaHigh5
LebanonHigh5
LesothoLow1
LiberiaHigh5
LibyaHigh5
LiechtensteinHigh5
LithuaniaLow1
LuxembourgMedium3
MacaoHigh5
Macedonia (the former Yugoslav Republic of)Low1
MadagascarLow1
MalawiLow1
MalaysiaMedium3
MaldivesLow1
MaliLow1
MaltaMedium3
Marshall Islands (the)High5
MartiniqueLow1
MauritaniaLow1
MauritiusMedium3
MayotteLow1
MexicoHigh5
Micronesia (the Federated States of)Low1
Moldova (the Republic of)High5
MonacoHigh5
MongoliaLow1
MontenegroMedium3
MontserratMedium3
MoroccoLow1
MozambiqueLow1
MyanmarHigh5
NamibiaLow1
NauruHigh5
NepalLow1
Netherlands (the)Low1
New CaledoniaLow1
New ZealandLow1
NicaraguaHigh5
Niger (the)Low1
NigeriaHigh5
NiueHigh5
Norfolk IslandLow1
Northern Mariana Islands (the)Low1
NorwayLow1
OmanLow1
PakistanHigh5
PalauMedium3
Palestine, State ofHigh5
PanamaHigh5
Papua New GuineaHigh5
Paracel IslandsHigh5
ParaguayMedium3
PeruHigh5
Philippines (the)Medium3
PitcairnLow1
PolandLow1
PortugalLow1
Puerto RicoLow1
QatarLow1
RéunionLow1
RomaniaLow1
Russian Federation (the)High5
RwandaLow1
Saint BarthélemyLow1
Saint Helena, Ascension and Tristan da CunhaLow1
Saint Kitts and NevisHigh5
Saint LuciaMedium3
Saint Martin (French part)Low1
Saint Pierre and MiquelonLow1
Saint Vincent and the GrenadinesMedium3
SamoaMedium3
San MarinoLow1
Sao Tome and PrincipeMedium3
Saudi ArabiaHigh5
SenegalLow1
SerbiaMedium3
SeychellesMedium3
Sierra LeoneMedium3
SingaporeMedium3
Sint Maarten (Dutch part)Medium3
SlovakiaLow1
SloveniaLow1
Solomon Islands (the)Low1
SomaliaHigh5
South AfricaLow1
South Georgia and the South Sandwich IslandsLow1
South SudanHigh5
SpainLow1
Spratly IslandsHigh5
Sri LankaLow1
Sudan (the)High5
SurinameLow1
Svalbard and Jan MayenLow1
SwazilandLow1
SwedenLow1
SwitzerlandMedium3
Syrian Arab Republic (the)High5
Taiwan (Province of China)Low1
TajikistanHigh5
Tanzania, United Republic ofHigh5
ThailandLow1
Timor-LesteMedium3
TogoMedium3
TokelauLow1
TongaLow1
Trinidad and TobagoLow1
TunisiaHigh5
TurkeyHigh5
Turkish Republic of Northern Cyprus (Northern Cyprus)High5
TurkmenistanMedium3
Turks and Caicos Islands (the)Medium3
TuvaluLow1
UgandaHigh5
UkraineHigh5
United Arab Emirates (the)High5
United Kingdom (the)Low1
United States (the)Low1
United States Minor Outlying Islands (the)Low1
UruguayMedium3
UzbekistanHigh5
VanuatuMedium3
Venezuela, Bolivarian Republic ofHigh5
Viet NamLow1
Virgin Islands (British)Medium3
Virgin Islands (U.S.)Low1
Wallis and FutunaLow1
Western SaharaLow1
YemenHigh5
ZambiaLow1
ZimbabweHigh5

Risk Rating Scores – Country of Operation

Country of OperationRisk Level for Country of OperationScore
AfghanistanHigh5
Åland IslandsHigh5
AlbaniaHigh5
AlgeriaHigh5
American SamoaLow1
AndorraHigh5
AngolaHigh5
AnguillaMedium3
AntarcticaLow1
Antigua and BarbudaMedium3
ArgentinaMedium3
ArmeniaLow1
ArubaMedium3
AustraliaLow1
AustriaLow1
AzerbaijanHigh5
Bahamas (the)High5
BahrainMedium3
BangladeshMedium3
BarbadosMedium3
BelarusHigh5
BelgiumLow1
BelizeHigh5
BeninMedium3
BermudaMedium3
BhutanLow1
Bolivia, Plurinational State ofHigh5
Bonaire, Sint Eustatius and SabaLow1
Bosnia and HerzegovinaMedium3
BotswanaLow1
Bouvet IslandLow1
BrazilMedium3
British Indian Ocean Territory (the)Low1
Brunei DarussalamLow1
BulgariaLow1
Burkina FasoLow1
BurundiMedium3
Cabo VerdeLow1
CambodiaMedium3
CameroonMedium3
CanadaLow1
Cayman Islands (the)Medium3
Central African Republic (the)High5
ChadMedium3
ChileLow1
ChinaMedium3
Christmas IslandLow1
Clipperton IslandLow1
Cocos (Keeling) Islands (the)Low1
ColombiaHigh5
ComorosMedium3
CongoMedium3
Congo (the Democratic Republic of the)High5
Cook Islands (the)High5
Costa RicaHigh5
Côte d’IvoireHigh5
CroatiaLow1
CubaHigh5
CuraçaoMedium3
CyprusHigh5
Czech Republic (the)Low1
DenmarkLow1
DjiboutiLow1
DominicaMedium3
Dominican Republic (the)High5
EcuadorHigh5
EgyptHigh5
El SalvadorHigh5
Equatorial GuineaHigh5
EritreaHigh5
EstoniaLow1
EthiopiaHigh5
Falkland Islands (the) [Malvinas]Low1
Faroe Islands (the)Low1
FijiLow1
FinlandLow1
FranceLow1
French GuianaLow1
French PolynesiaLow1
French Southern Territories (the)Low1
GabonLow1
Gambia (The)Low1
GeorgiaLow1
GermanyLow1
GhanaLow1
GibraltarMedium3
GreeceLow1
GreenlandLow1
GrenadaHigh5
GuadeloupeLow1
GuamLow1
GuatemalaHigh5
GuernseyMedium3
GuineaHigh5
Guinea-BissauHigh5
GuyanaLow1
HaitiHigh5
Heard Island and McDonald IslandsLow1
Holy See (the) [Vatican City State]Low1
HondurasHigh5
Hong KongMedium3
HungaryLow1
IcelandLow1
IndiaHigh5
IndonesiaHigh5
Iran (the Islamic Republic of)High5
IraqHigh5
IrelandLow1
Isle of ManMedium3
IsraelLow1
ItalyLow1
JamaicaHigh5
JapanLow1
JerseyMedium3
JordanLow1
KazakhstanHigh5
KenyaHigh5
KiribatiLow1
Korea (the Democratic People’s Republic of)High5
Korea (the Republic of)Low1
KosovoLow1
KuwaitMedium3
KyrgyzstanHigh5
Lao People’s Democratic Republic (the)High5
LatviaHigh5
LebanonHigh5
LesothoLow1
LiberiaHigh5
LibyaHigh5
LiechtensteinHigh5
LithuaniaLow1
LuxembourgMedium3
MacaoHigh5
Macedonia (the former Yugoslav Republic of)Low1
MadagascarLow1
MalawiLow1
MalaysiaMedium3
MaldivesLow1
MaliLow1
MaltaMedium3
Marshall Islands (the)High5
MartiniqueLow1
MauritaniaLow1
MauritiusMedium3
MayotteLow1
MexicoHigh5
Micronesia (the Federated States of)Low1
Moldova (the Republic of)High5
MonacoHigh5
MongoliaLow1
MontenegroMedium3
MontserratMedium3
MoroccoLow1
MozambiqueLow1
MyanmarHigh5
NamibiaLow1
NauruHigh5
NepalLow1
Netherlands (the)Low1
New CaledoniaLow1
New ZealandLow1
NicaraguaHigh5
Niger (the)Low1
NigeriaHigh5
NiueHigh5
Norfolk IslandLow1
Northern Mariana Islands (the)Low1
NorwayLow1
OmanLow1
PakistanHigh5
PalauMedium3
Palestine, State ofHigh5
PanamaHigh5
Papua New GuineaHigh5
Paracel IslandsHigh5
ParaguayMedium3
PeruHigh5
Philippines (the)Medium3
PitcairnLow1
PolandLow1
PortugalLow1
Puerto RicoLow1
QatarLow1
RéunionLow1
RomaniaLow1
Russian Federation (the)High5
RwandaLow1
Saint BarthélemyLow1
Saint Helena, Ascension and Tristan da CunhaLow1
Saint Kitts and NevisHigh5
Saint LuciaMedium3
Saint Martin (French part)Low1
Saint Pierre and MiquelonLow1
Saint Vincent and the GrenadinesMedium3
SamoaMedium3
San MarinoLow1
Sao Tome and PrincipeMedium3
Saudi ArabiaHigh5
SenegalLow1
SerbiaMedium3
SeychellesMedium3
Sierra LeoneMedium3
SingaporeMedium3
Sint Maarten (Dutch part)Medium3
SlovakiaLow1
SloveniaLow1
Solomon Islands (the)Low1
SomaliaHigh5
South AfricaLow1
South Georgia and the South Sandwich IslandsLow1
South SudanHigh5
SpainLow1
Spratly IslandsHigh5
Sri LankaLow1
Sudan (the)High5
SurinameLow1
Svalbard and Jan MayenLow1
SwazilandLow1
SwedenLow1
SwitzerlandMedium3
Syrian Arab Republic (the)High5
Taiwan (Province of China)Low1
TajikistanHigh5
Tanzania, United Republic ofHigh5
ThailandLow1
Timor-LesteMedium3
TogoMedium3
TokelauLow1
TongaLow1
Trinidad and TobagoLow1
TunisiaHigh5
TurkeyHigh5
Turkish Republic of Northern Cyprus (Northern Cyprus)High5
TurkmenistanMedium3
Turks and Caicos Islands (the)Medium3
TuvaluLow1
UgandaHigh5
UkraineHigh5
United Arab Emirates (the)High5
United Kingdom (the)Low1
United States (the)Low1
United States Minor Outlying Islands (the)Low1
UruguayMedium3
UzbekistanHigh5
VanuatuMedium3
Venezuela, Bolivarian Republic ofHigh5
Viet NamLow1
Virgin Islands (British)Medium3
Virgin Islands (U.S.)Low1
Wallis and FutunaLow1
Western SaharaLow1
YemenHigh5
ZambiaLow1
ZimbabweHigh5

Risk Rating Scores – Country of Government

Country of GovernmentRisk Level for Country of GovernmentScore
AfghanistanHigh5
Åland IslandsHigh5
AlbaniaHigh5
AlgeriaHigh5
American SamoaLow1
AndorraHigh5
AngolaHigh5
AnguillaMedium3
AntarcticaLow1
Antigua and BarbudaMedium3
ArgentinaMedium3
ArmeniaLow1
ArubaMedium3
AustraliaLow1
AustriaLow1
AzerbaijanHigh5
Bahamas (the)High5
BahrainMedium3
BangladeshMedium3
BarbadosMedium3
BelarusHigh5
BelgiumLow1
BelizeHigh5
BeninMedium3
BermudaMedium3
BhutanLow1
Bolivia, Plurinational State ofHigh5
Bonaire, Sint Eustatius and SabaLow1
Bosnia and HerzegovinaMedium3
BotswanaLow1
Bouvet IslandLow1
BrazilMedium3
British Indian Ocean Territory (the)Low1
Brunei DarussalamLow1
BulgariaLow1
Burkina FasoLow1
BurundiMedium3
Cabo VerdeLow1
CambodiaMedium3
CameroonMedium3
CanadaLow1
Cayman Islands (the)Medium3
Central African Republic (the)High5
ChadMedium3
ChileLow1
ChinaMedium3
Christmas IslandLow1
Clipperton IslandLow1
Cocos (Keeling) Islands (the)Low1
ColombiaHigh5
ComorosMedium3
CongoMedium3
Congo (the Democratic Republic of the)High5
Cook Islands (the)High5
Costa RicaHigh5
Côte d’IvoireHigh5
CroatiaLow1
CubaHigh5
CuraçaoMedium3
CyprusHigh5
Czech Republic (the)Low1
DenmarkLow1
DjiboutiLow1
DominicaMedium3
Dominican Republic (the)High5
EcuadorHigh5
EgyptHigh5
El SalvadorHigh5
Equatorial GuineaHigh5
EritreaHigh5
EstoniaLow1
EthiopiaHigh5
Falkland Islands (the) [Malvinas]Low1
Faroe Islands (the)Low1
FijiLow1
FinlandLow1
FranceLow1
French GuianaLow1
French PolynesiaLow1
French Southern Territories (the)Low1
GabonLow1
Gambia (The)Low1
GeorgiaLow1
GermanyLow1
GhanaLow1
GibraltarMedium3
GreeceLow1
GreenlandLow1
GrenadaHigh5
GuadeloupeLow1
GuamLow1
GuatemalaHigh5
GuernseyMedium3
GuineaHigh5
Guinea-BissauHigh5
GuyanaLow1
HaitiHigh5
Heard Island and McDonald IslandsLow1
Holy See (the) [Vatican City State]Low1
HondurasHigh5
Hong KongMedium3
HungaryLow1
IcelandLow1
IndiaHigh5
IndonesiaHigh5
Iran (the Islamic Republic of)High5
IraqHigh5
IrelandLow1
Isle of ManMedium3
IsraelLow1
ItalyLow1
JamaicaHigh5
JapanLow1
JerseyMedium3
JordanLow1
KazakhstanHigh5
KenyaHigh5
KiribatiLow1
Korea (the Democratic People’s Republic of)High5
Korea (the Republic of)Low1
KosovoLow1
KuwaitMedium3
KyrgyzstanHigh5
Lao People’s Democratic Republic (the)High5
LatviaHigh5
LebanonHigh5
LesothoLow1
LiberiaHigh5
LibyaHigh5
LiechtensteinHigh5
LithuaniaLow1
LuxembourgMedium3
MacaoHigh5
Macedonia (the former Yugoslav Republic of)Low1
MadagascarLow1
MalawiLow1
MalaysiaMedium3
MaldivesLow1
MaliLow1
MaltaMedium3
Marshall Islands (the)High5
MartiniqueLow1
MauritaniaLow1
MauritiusMedium3
MayotteLow1
MexicoHigh5
Micronesia (the Federated States of)Low1
Moldova (the Republic of)High5
MonacoHigh5
MongoliaLow1
MontenegroMedium3
MontserratMedium3
MoroccoLow1
MozambiqueLow1
MyanmarHigh5
NamibiaLow1
NauruHigh5
NepalLow1
Netherlands (the)Low1
New CaledoniaLow1
New ZealandLow1
NicaraguaHigh5
Niger (the)Low1
NigeriaHigh5
NiueHigh5
Norfolk IslandLow1
Northern Mariana Islands (the)Low1
NorwayLow1
OmanLow1
PakistanHigh5
PalauMedium3
Palestine, State ofHigh5
PanamaHigh5
Papua New GuineaHigh5
Paracel IslandsHigh5
ParaguayMedium3
PeruHigh5
Philippines (the)Medium3
PitcairnLow1
PolandLow1
PortugalLow1
Puerto RicoLow1
QatarLow1
RéunionLow1
RomaniaLow1
Russian Federation (the)High5
RwandaLow1
Saint BarthélemyLow1
Saint Helena, Ascension and Tristan da CunhaLow1
Saint Kitts and NevisHigh5
Saint LuciaMedium3
Saint Martin (French part)Low1
Saint Pierre and MiquelonLow1
Saint Vincent and the GrenadinesMedium3
SamoaMedium3
San MarinoLow1
Sao Tome and PrincipeMedium3
Saudi ArabiaHigh5
SenegalLow1
SerbiaMedium3
SeychellesMedium3
Sierra LeoneMedium3
SingaporeMedium3
Sint Maarten (Dutch part)Medium3
SlovakiaLow1
SloveniaLow1
Solomon Islands (the)Low1
SomaliaHigh5
South AfricaLow1
South Georgia and the South Sandwich IslandsLow1
South SudanHigh5
SpainLow1
Spratly IslandsHigh5
Sri LankaLow1
Sudan (the)High5
SurinameLow1
Svalbard and Jan MayenLow1
SwazilandLow1
SwedenLow1
SwitzerlandMedium3
Syrian Arab Republic (the)High5
Taiwan (Province of China)Low1
TajikistanHigh5
Tanzania, United Republic ofHigh5
ThailandLow1
Timor-LesteMedium3
TogoMedium3
TokelauLow1
TongaLow1
Trinidad and TobagoLow1
TunisiaHigh5
TurkeyHigh5
Turkish Republic of Northern Cyprus (Northern Cyprus)High5
TurkmenistanMedium3
Turks and Caicos Islands (the)Medium3
TuvaluLow1
UgandaHigh5
UkraineHigh5
United Arab Emirates (the)High5
United Kingdom (the)Low1
United States (the)Low1
United States Minor Outlying Islands (the)Low1
UruguayMedium3
UzbekistanHigh5
VanuatuMedium3
Venezuela, Bolivarian Republic ofHigh5
Viet NamLow1
Virgin Islands (British)Medium3
Virgin Islands (U.S.)Low1
Wallis and FutunaLow1
Western SaharaLow1
YemenHigh5
ZambiaLow1
ZimbabweHigh5

Source of Wealth

Source of Wealthrisk_source_of_wealthScore
Employment (Salaried)Low1
Employment (Retirement Income)Low1
Employment (Self-employed)Medium3
Business EarningsMedium3
Inheritance/Family GiftHigh5
Insurance Proceeds/SettlementMedium3
Divorce SettlementLow1
Investment Income/ReturnsMedium3
Winnings (Government Lottery)Low1
Winnings (Non-Government Lottery)Low1
Earnings (Sale of Business)Low1
Earnings (Sale of Property)Low1
Earnings (Sale of Investments)Low1

Click here (Risk Rating Scores for Assigning CDD Risk Ratings) to download the full data for all the risk rating factors listed in the below table:

Risk Level for Country of Government
Risk Level for Country of Incorporation
Risk Level for Country of Operation
Risk Level for Authorized Signers
Risk Level for Country of Nationality
Risk Level for Country of Residency
Risk Level (Government Income)
Risk Level for Industry
Risk Level for Legal Structure
Risk Level for Management
Risk Level for Owners
Risk Level for Primary Regulatory Body
Risk Level for Purpose of Account
Risk Level for Source of Wealth
Risk Level for High Risk Transactions

Click here to let me know if you have any questions: Contact Ogbe Airiodion | Sr AML/KYC Compliance Consultant



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