Step 02 / Explore the workbook
See the risks. Understand the controls.
A visual view of what is inside the Investment and wealth edition, before you open Excel. Choose a tab to explore the illustrative worked example.
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Investment and wealth
Financial crime risk assessment · illustrative example firm: Kestrelmere Wealth Limited
- 31
- Pre-seeded risk factors
- 5
- Risk categories
- 15
- High or very high inherent risks
- 00
- Categories above appetite
Editable in your copy
Regulation 18(2)(b)
Illustrative profile
After example controls
Top example risks
Showing the top 7 of 31 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 |
|---|---|---|---|---|
| Unusual or excessively complex ownership structures | 16 | Very high | Medium | Customers |
| Politically exposed persons, family members and close associates | 16 | Very high | Medium | Customers |
| Source of wealth and source of funds difficult to establish | 16 | Very high | Medium | Customers |
| High-value assets managed or traded | 16 | Very high | Medium | Customers |
| Private banking style services | 16 | Very high | Medium | Products or services |
| Countries subject to sanctions or embargoes | 15 | High | Medium | Countries or geographic areas |
| Outsourcing and third-party delivery | 12 | High | 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 Investment and wealth edition
Wealth managers, investment managers, advisers and platforms. Investment firms providing investment services or activities on a professional basis are financial institutions under reg 10(2)(c). The NRA 2025 assesses wealth management as high risk for money laundering.