Risk Factors

Risk factors are the building blocks of risk scores. Configure factor weights and thresholds to match your compliance requirements and risk appetite.

Factor Categories

Identity Factors

Factor	Default Weight	Description
document_verification_failed	+20	ID verification unsuccessful
document_expired	+10	Document past expiration date
document_tampering_detected	+30	Signs of document manipulation
biometric_mismatch	+25	Face doesn't match document
liveness_failed	+20	Liveness check unsuccessful
multiple_verification_attempts	+10	3+ verification attempts
data_inconsistency	+15	Submitted data doesn't match documents

Screening Factors

Factor	Default Weight	Description
sanctions_match_confirmed	+50	True sanctions match
sanctions_match_pending	+35	Unresolved sanctions hit
pep_tier_1	+30	Senior political figure
pep_tier_2	+25	Family member of PEP
pep_tier_3	+20	Close associate of PEP
adverse_media_high	+20	Serious negative coverage
adverse_media_medium	+10	Moderate negative coverage
adverse_media_low	+5	Minor negative coverage

Geographic Factors

Factor	Default Weight	Description
residence_sanctioned	+45	Resides in sanctioned country
residence_high_risk	+20	Resides in high-risk country
residence_medium_risk	+10	Resides in medium-risk country
nationality_sanctioned	+40	Citizen of sanctioned country
nationality_high_risk	+15	Citizen of high-risk country
tax_haven_connection	+10	Connection to tax haven

Behavioral Factors

Factor	Default Weight	Description
vpn_proxy_detected	+10	VPN or proxy in use
device_fraud_score_high	+20	High-risk device fingerprint
rapid_resubmission	+15	Multiple apps in short time
velocity_exceeded	+15	Unusual application velocity
email_disposable	+10	Disposable email address
email_new_domain	+5	Recently created email
phone_voip	+5	VoIP phone number

Business Factors (KYB)

Factor	Default Weight	Description
complex_ownership	+15	Multi-layer ownership structure
bearer_shares	+25	Company has bearer shares
nominee_directors	+20	Nominee directors identified
shell_company_indicators	+30	Characteristics of shell company
high_risk_industry	+15	Industry with elevated risk
recent_incorporation	+10	Less than 1 year old
ubo_unverified	+15	UBO not fully verified

Configuring Factor Weights

View Current Configuration

curl -X GET "https://api.bytrustgate.com/v1/settings/risk-factors" \
  -H "Authorization: Bearer YOUR_API_KEY"

Update Factor Weights

curl -X PUT https://api.bytrustgate.com/v1/settings/risk-factors \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "factors": [
      {
        "factor_id": "sanctions_match_confirmed",
        "weight": 60,
        "enabled": true
      },
      {
        "factor_id": "pep_tier_1",
        "weight": 35,
        "enabled": true
      },
      {
        "factor_id": "vpn_proxy_detected",
        "weight": 5,
        "enabled": true
      }
    ]
  }'

Custom Factors

Create Custom Factor

curl -X POST https://api.bytrustgate.com/v1/settings/risk-factors/custom \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "factor_id": "high_value_customer",
    "name": "High Value Customer",
    "category": "business",
    "weight": -10,
    "description": "Established high-value customer - reduced risk",
    "trigger": {
      "type": "metadata",
      "field": "customer_tier",
      "value": "platinum"
    }
  }'

Negative Weights

Use negative weights for risk-reducing factors:

Factor	Weight	Use Case
verified_returning_customer	-15	Previously approved customer
high_value_tier	-10	Premium customer segment
trusted_referral	-5	Referred by trusted partner
long_relationship	-10	5+ year customer relationship

Factor Conditions

Conditional Weights

Apply different weights based on conditions:

curl -X POST https://api.bytrustgate.com/v1/settings/risk-factors/conditional \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "factor_id": "pep_tier_1",
    "conditions": [
      {
        "condition": {
          "field": "pep_country",
          "operator": "in",
          "value": ["USA", "GBR", "DEU", "FRA"]
        },
        "weight": 25,
        "reason": "Lower weight for stable democracies"
      },
      {
        "condition": {
          "field": "pep_country",
          "operator": "in",
          "value": ["high_corruption_countries"]
        },
        "weight": 40,
        "reason": "Higher weight for high-corruption countries"
      }
    ],
    "default_weight": 30
  }'

Factor Groups

Group Related Factors

curl -X POST https://api.bytrustgate.com/v1/settings/risk-factors/groups \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "group_id": "identity_fraud",
    "name": "Identity Fraud Indicators",
    "factors": [
      "document_tampering_detected",
      "biometric_mismatch",
      "device_fraud_score_high"
    ],
    "aggregation": "max",
    "max_contribution": 50
  }'

Aggregation Methods

Method	Description
sum	Add all factor weights (default)
max	Use highest factor weight only
average	Average of factor weights
any	Fixed weight if any factor present

Factor Thresholds

Configure Thresholds

curl -X PUT https://api.bytrustgate.com/v1/settings/risk-factors/thresholds \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "adverse_media_high": {
      "min_articles": 3,
      "min_severity": "high",
      "recency_days": 365
    },
    "multiple_verification_attempts": {
      "attempt_count": 3,
      "time_window_hours": 24
    },
    "device_fraud_score_high": {
      "min_score": 80
    }
  }'

Industry-Specific Profiles

Create Industry Profile

curl -X POST https://api.bytrustgate.com/v1/settings/risk-profiles \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "profile_id": "crypto_exchange",
    "name": "Cryptocurrency Exchange",
    "description": "Higher scrutiny for crypto customers",
    "factor_overrides": [
      {"factor_id": "sanctions_match_pending", "weight": 45},
      {"factor_id": "vpn_proxy_detected", "weight": 20},
      {"factor_id": "high_risk_industry", "weight": 0}
    ],
    "score_multiplier": 1.2
  }'

Apply Profile

curl -X POST https://api.bytrustgate.com/v1/applicants/{applicant_id}/apply-profile \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "profile_id": "crypto_exchange"
  }'

Factor Analytics

View Factor Distribution

curl -X GET "https://api.bytrustgate.com/v1/analytics/risk-factors?period=30d" \
  -H "Authorization: Bearer YOUR_API_KEY"

{
  "period": "30d",
  "total_applicants": 5000,
  "factor_frequency": {
    "pep_tier_1": {"count": 45, "percentage": 0.9},
    "pep_tier_2": {"count": 120, "percentage": 2.4},
    "adverse_media_high": {"count": 89, "percentage": 1.8},
    "high_risk_country": {"count": 340, "percentage": 6.8}
  },
  "avg_contribution_by_factor": {
    "pep_tier_1": 30,
    "adverse_media_high": 18,
    "high_risk_country": 15
  }
}

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Next Steps

• Workflow Rules - Automate risk-based actions
• Country Risk - Geographic risk configuration
• About Risk Scoring - Overview