You answer for the model, so it should not be a 147-page PDF no one dares edit. Score every customer against the four FATF dimensions, weight it to your own appetite, backtest a change against your own book before it touches a live case, and watch portfolio risk move in real time.
It resolves the tension the business feels every day: meeting your obligations while giving sales the speed it wants, by making the risk model a running, configurable operation you inspect, test, and prove across Convert, Manage, Scale, and Monitor. Configuration, not code. Live on your data in 4 to 6 weeks.
Score every customer across the four FATF dimensions, weight each to your own appetite, and set your own thresholds. The highest dimension sets the tier, so a single high-risk factor is never averaged away. Four FATF dimensions, 209 countries with 16 indicators each, and changes are same-day configuration, not code.
See risk scoringRun a challenger in shadow against live cases, or backtest a proposed change against your own historical book over a date range you choose, and see exactly how it re-tiers before one real customer is affected. Champion and challenger plus what-if backtesting, and promotion to live requires a human to approve.
See StudioEvery score, override, and model change is an immutable audit event with a named user and timestamp, so the evidence chain for any rating is one click, not a spreadsheet excavation. Immutable event types across multiple categories, addressing SR 11-7 model-risk governance and explainability.
See audit and securityFive role-based dashboards, and the one built for risk leaders puts portfolio-risk distribution, false-positive trend, SLA health, and cost per case on one board-ready view, live and exportable as structured data. The dashboards draw from the same event types the audit trail reads from.
See analytics and MIUnder every stage, a tamper-proof trail you export for a regulator in one click. Through every stage, Zenoo Labs, human-in-the-loop. That is what having your back looks like.
In alpha and beta with design partners, human-in-the-loop and opt-in: the Copilot recommends and backtests scoring changes and returns a plain-English delta for a human to approve, and 10 specialised agents investigate a case before an analyst opens it. Not shipped, and no regulator has pre-approved it.
“I answer for the model at board level, so I need to change it, test the change against our own book, and show exactly why any customer sits where they sit. Zenoo turned the risk model from a PDF no one dared edit into a running operation I can inspect and defend.”
Live investor and entity onboarding running end to end in a single week of go-live.
Ask for a referenceMultiple investor cohorts completed onboarding in live production after a 4-week implementation.
Ask for a referenceSLA breach rate moved from 23% to under 3% after tuning (platform benchmark, not a named client result).
Ask for a referenceWe publish no customer names. Their compliance stack is their security. Named references are shared privately, on request, once the client approves.
Yes. Studio's Risk Model Editor gives compliance direct ownership of rule weights across the four FATF dimensions. You can test a proposed change against live cases with champion/challenger testing and against historical cases with what-if backtesting, then deploy with version history and rollback. The aim is to remove the vendor change request cycle for routine rule updates.
Every score, override, and model change is recorded as an immutable event with a named user, timestamp, and the full decision context at that point in time. For any customer, the complete evidence chain from initial score to current rating is one export. You do not need to reconstruct it from emails and spreadsheets.
If a customer scores low across three FATF dimensions but high on one, their overall risk tier is high. There is no averaging that masks a single significant factor. You can inspect exactly which dimension drove the rating, which makes explaining a decision to a board or regulator straightforward.
The Risk Model Copilot described in Zenoo Labs is in alpha and beta with design partners only. It is not a shipped capability and no regulator has pre-approved it. The core platform, meaning the model editor, champion/challenger testing, backtesting, and audit trail, is fully operational today and requires no AI involvement.
Enterprise production deployment runs to 4 to 6 weeks (platform benchmark). That covers configuration of your risk model, connection of your chosen data providers through the marketplace, workflow setup, and training. There is no code to write on your side.
Bring your own book. We backtest a model change live in 30 minutes so you see the delta before you decide.