The risk policy is a document, and the team works from memory.
With ZenooYour risk model sets the checks and the route for each case, so the policy runs on every case rather than living in a document.
For risk managers · Risk and policy
Your policy, running on every case.
Your risk model sets the checks, the route and the approvals for each case, by customer, country, product and channel. Every outcome is kept, so you can see how the policy works in practice. Zenoo suggests the next step. Your team makes every call.
30 minutes. Your data. No slides.
Works withCompanies HouseLSEGGBGLexisNexis
What you answer for
Four questions you will be asked.
Does our policy run on every case?
Your risk model sets the checks, the route and the approvals for each case.
What does a rule change do?
Test a change against past cases before it goes live.
Why was this case higher risk?
The rating across customer, country, product and channel is kept on the case.
Can a risky case get through with one person?
Your policy can require a second approval, and hard stops need two people.
Sound familiar?
What we hear from risk managers.
Changing a rule means a ticket in the engineering backlog.
With ZenooRisk rules are configured in Zenoo by customer, country, product and channel, not written into your systems.
We change a threshold and only find out later what it did.
With ZenooTest a change against past cases before it goes live, and compare the outcomes with the model you run today.
Nobody can show the board how the policy works in practice.
With ZenooEvery assessment, decision and reason is recorded, and Insights (in pilot) show backlog, ageing and time to decision.
One case, start to finish
From risk rating to the right checks.
Follow one case through Zenoo, from the risk assessment to the approval your policy requires.
MH
Risk assessmentMarrowfield Holdings Ltd
Step 1 of 4CustomerHolding company, three layersHigher
CountryOwner resident outside the UKMedium
OverallHigher riskHigher
MH
ChecksAdded by your policy
Step 2 of 4Source of wealthRequested through the client portalAwaiting client
Second approvalRequired for higher riskSet
QueueEnhanced due diligenceRouted
AI
Zenoo suggestionsRisk assessment
Step 3 of 4A 75% holding sits behind a nominee company. Suggest you research the person behind it.Companies House
Nothing is cleared or added on its own.
MH
ApprovalMarrowfield Holdings Ltd
Step 4 of 4Source of wealthEvidence linked and reviewedVerified
First approvalAnalystApproved
Second approvalTeam leadApproved
Product screens show fictional data.
A day with Zenoo
Your day, with the file already built.
The case is rated.
Your risk model rates the case across customer, country, product and channel as it arrives.
CustomerHolding company, three layersHigher
CountryOwner resident outside the UKMedium
The policy sets the checks.
A higher rating adds source of wealth and a second approval, and routes the case to enhanced due diligence.
Source of wealthRequested through the client portalAwaiting client
Second approvalRequired for higher riskSet
Two people approve.
The evidence arrives, two people approve, and the rating, the checks and the reasons are kept for review.
First approvalAnalystApproved
Second approvalTeam leadApproved
Product screens show fictional data.
Watch it work · 0:53
Approve stays locked until nothing is left. You decide. Zenoo keeps the record.
Approve a case. Product screens show fictional data.
Where this fits
Every check you run, into one inbox.
Your providers send their results in. Zenoo organises them and puts what needs you in the Inbox. You deal with it, tick it off, and the next one comes in. Pick providers from the Marketplace, or bring your own.
Your checksFrom the Marketplace
My inbox0 done
- Screening hitViktor LindqvistDue 11:00
- Identity card is wrongSergei ValtrovToday
Zenoo suggests. You decide.
What regulators ask
What the rules ask of a risk-based approach, and where it lives in Zenoo.
| What the rules ask | Where it lives in Zenoo |
|---|---|
| UK MLR 2017, regulation 18Assess the risks your business faces, considering customers, countries, products and channels. | Your risk model rates every case across customer, country, product and channel, the same factors your firm-wide assessment uses. |
| UK MLR 2017, regulation 28(12)Set the extent of due diligence on a risk-sensitive basis. | The rating sets which checks run, which queue a case goes to, and who needs to approve it. |
| UK MLR 2017, regulation 33Apply enhanced due diligence where the risk is higher, including high-risk third countries. | A higher rating adds the extra checks your policy names and routes the case to the right team. |
| UK MLR 2017, regulation 19Have policies and controls that are applied consistently, and review them. | The model is configured in one place, changes can be tested on past cases, and every assessment and outcome is recorded. |
| UK MLR 2017, regulation 40Keep records of the checks and the reasons for each decision. | Every decision, reason and change is kept in the case history with who made it and when, and nothing can be edited or removed. |
Last reviewed 21 October 2026. Each source links to the official text. A summary to help you compare, not legal advice. Your MLRO sets the policy. Zenoo runs it and keeps the record.
Zenoo AI
Zenoo suggests. You decide.
Zenoo reads the evidence on every case and suggests the next step with its sources. It never changes a risk rating, clears a hit or approves a case. A person makes every call.
The stated activity differs from the website. Suggest you ask the customer to explain.application, website
Two checks are still open on parties behind the customer. Suggest you review them before approving.case checks
Never clears a hitNever approves a caseNever passes a check
How Zenoo AI worksGetting live
What it takes from your team.
Your systems
How does it connect to what we have?
Send applications in through the API, or onboard customers through Zenoo's own journeys. Keep the data vendors you have, under your contracts, and add others from the Marketplace.
Browse the MarketplaceTime to live
How long until we are live?
Four to six weeks to production is typical, depending on your providers and systems. It starts with a demo on a case you bring, then a pilot on real cases.
How buying worksYour data
Where does our data live?
In the EU or US region, or on a dedicated UK tenant. Encrypted with AES-256 at rest and TLS 1.3 in transit. ISO 27001 certification is in progress.
Trust and securityQuestions
Questions risk managers ask.
How does Zenoo rate risk?
Your risk model rates each case across four dimensions: customer, country, product or service, and channel. The rating sets the checks, the route and the approvals.
Can we change the rules ourselves?
Risk rules are configured in Zenoo rather than written into your own systems, and every assessment is recorded.
Can we test a change before it goes live?
Yes. Run a changed model against past cases and compare the outcomes with the model you run today, before you switch.
Does Zenoo give an AI risk score?
No. Your model, which you control, rates the case. Zenoo AI suggests next steps with their sources, and never changes a rating.
Can we show the board how the policy works?
Every assessment and decision is recorded. Insights, in pilot, show backlog, ageing and time to decision.
Can a higher-risk case need two approvals?
Yes. Your policy can require a second approval, and a hard-stop watchlist entry needs a second Financial Crime user to agree.
You
Tomorrow, your case
Bring us a case that went wrong.
We will run it through Zenoo while you watch: the evidence, the decision, and the record your MLRO would want to defend.
30 minutes. Your data. No slides.