Step 02 / Explore the workbook
See the risks. Understand the controls.
A visual view of what is inside the Consumer credit edition, before you open Excel. Choose a tab to explore the illustrative worked example.
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Consumer credit
Financial crime risk assessment · illustrative example firm: Quillstone Credit Limited
- 29
- Pre-seeded risk factors
- 5
- Risk categories
- 05
- High or very high inherent risks
- 01
- Categories above appetite
Editable in your copy
Regulation 18(2)(b)
Illustrative profile
After example controls
Top example risks
Showing the top 7 of 28 scored factors. Pre-seeded factors you can edit, remove or add to in Excel. Residual is the category position after example controls.
| Risk factor | Score | Inherent | Residual | Theme |
|---|---|---|---|---|
| AI-enabled document fraud and identity circumvention | 16 | Very high | Medium | Delivery channels |
| Application fraud and impersonation | 16 | Very high | Medium | Customers |
| Customers found to have provided false or stolen identification | 16 | Very high | Medium | Customers |
| Non-face-to-face relationships without safeguards | 12 | High | Medium | Delivery channels |
| Fraud proceeds and mule activity | 12 | High | Medium | Transactions |
| Introducers, brokers and retailers | 9 | Medium | Medium | Delivery channels |
| Outsourcing and third-party delivery | 9 | Medium | Medium | Delivery channels |
See the actual workbook · real Excel sheets, rendered from the example file
Built from the same data and formulas as the worked-example workbook, for an invented firm. All figures are illustrative.
About the Consumer credit edition
Consumer credit lenders and finance providers assessing money laundering and fraud exposure. Check first whether your firm is a relevant person. Reg 10(3)(b) takes some creditors with limited activities out of the definition of a financial institution, so confirm your position with your legal adviser or supervisor. If you are in scope, this workbook applies. If you are not, the same method still supports your wider financial crime risk assessment.