Step 02 / Explore the workbook
See the risks. Understand the controls.
A visual view of what is inside the Payments and e-money edition, before you open Excel. Choose a tab to explore the illustrative worked example.
- Choose sector
- Preview
- Download
Payments and e-money
Financial crime risk assessment · illustrative example firm: Brindlemoor Pay Limited
- 32
- Pre-seeded risk factors
- 5
- Risk categories
- 19
- High or very high inherent risks
- 02
- Categories above appetite
Editable in your copy
Regulation 18(2)(b)
Illustrative profile
After example controls
Top example risks
Showing the top 7 of 32 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 |
| Unusual or excessively complex ownership structures | 16 | Very high | Medium | Customers |
| Cross-border movement of funds | 16 | Very high | Medium | Transactions |
| Fraud proceeds and mule activity | 16 | Very high | Medium | Transactions |
| Countries subject to sanctions or embargoes | 15 | High | Medium | Countries or geographic areas |
| Non-face-to-face relationships without safeguards | 12 | High | Medium | Delivery channels |
| Customers brought by agents and distributors | 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 Payments and e-money edition
Authorised payment institutions, small payment institutions and e-money institutions. Payment and e-money firms are financial institutions under the Money Laundering Regulations. The NRA 2025 rates the EMI and PSP sector as high risk for money laundering and terrorist financing, so supervisors expect a detailed, evidenced assessment.