--- title: "Ratings - Credit-risk approach for financial crime" description: "Elucidate Ratings applies data-driven analysis to build financial crime risk profiles and standardized scoring for financial institutions." url: https://elucidate.co/ratings --- # Adopt the credit-risk approach for financial crime risk Elucidate Ratings applies data-driven analysis to build financial crime risk profiles and standardized scoring for financial institutions. Think of the credit-risk approach you know, but for FIs. [Request Demo](https://elucidate.co/portfolio-assessment-tool) about ratings Data-driven risk assessments for trusted banking relationships Eliminate internal and external friction in relationships with a shared framework for risk analysis. Elucidate Ratings allows organizations and teams to speak a common language and collaborate more effectively. Standardized ratings enable you to set clear risk tolerance levels across your network portfolio or assess your internal processes to compare yourself against the industry standard. Trusted by Independent scoring engine Our core intelligence engine leverages data analysis and machine learning to score financial crime risk, providing a comparable and comprehensive view of risk for Financial Institutions and Regulators. Elucidate’s AI management system is certified to ISO/IEC 42001, the international standard for managing AI responsibly. + Gain confidence by ensuring transparent and justifiable risk assessments + Reduce corporate and personal exposure on high risk decisions through external validation + Minimize the likelihood of regulatory actions with a continuously up-to-date analysis process Monthly report with scores and analysis across 9 themes Create comprehensive monthly risk reports for your own assessment or the banks in your portfolio. Discover insights at every level, from broad institutional overview to specific operational details. + Easily understandable insights obtained from transactional data instead of manual investigation and due diligence + Identify specific areas where your institution or portfolio is underperforming and prioritize them accordingly + Evaluate an organization's performance over time, whether it's a short or long period, to comprehend its progress Industry comparison charts, filtering and segmentation Equip your team with powerful visualizations, market insights, and data analysis. Increase efficiency in both front and back office operations enhancing spreadsheet capabilities with data analysis automation. + Establish a risk appetite for your institution based on data, and gain insight into risk appetites in the market + Identify business opportunities within segments and determine potential prospects based on market standards + Develop strategies for commercial growth that align with your bank's risk appetite and characteristics Choose the format that better fits your current infrastructure Access Elucidate's report and transactional analysis in the format that best suits your needs. \- Web-based app: Explore reports directly in your browser \- API: Integrate directly to your banking software \- CSV: Export results into your own spreadsheets for analysis \- PDF: Present structured and clear visualizations for decks and meetings Need to improve your bank's risk profile? Learn how our risk analysis can help. [Talk to our team](https://elucidate.co/contact) ”With Elucidate you've actually got a full 360 view and you're going in depth into the database which you cannot manipulate.” Miguel Attard Head of Compliance & AML at Sparkasse Bank Malta RISK MANAGEMENT Analyze your institution or your client portfolio Our Ratings product allows for comparison and analysis at all levels and stages, enabling you to enhance internal processes and controls, as well as evaluate and oversee your client portfolio.  Ongoing monitoring Enhance risk mitigation with ongoing monitoring for every bank's risk profile  Reduced friction Speak a common language and unify the risk framework for your teams and across institutions  Consistent compliance Ensure that your compliance procedures always meet or exceed industry standards.  Competitive analysis Compare yourself to others globally or in your region to understand your performance  Zoom-in and out Assess yourself on the operational level or obtain a company-wide perspective as needed.  Automated processes Boost productivity replacing manual processes and analysis with automation  Market segmentation Instant overview and understanding of markets or segments to identify outliers  Data visualizations Graphic interface for rapid data analysis and visual overview matrix of institution's risk per category For Network Banks Provide better guidance to your respondent banks with transparent, objective and clear risk appetite setting. Implement ongoing and timely communication with your clients and reduce risks in payment transactions across your portfolio.  Build objective risk appetites at management level and implement it across your portfolio  Develop commercial expansion plans that align with your bank's risk appetite [Solutions for Network Banks](https://elucidate.co/portfolio-assessment-tool) For Domestic Banks Access a transparent data source to understand market and correspondent bank risk appetites. Identify areas to target in order to meet specific risk appetites and delight your correspondent banking relationships.  Identify root factors contributing to underperformance on specific key risks  Understand risk appetites in the market and create effective improvements plans across teams [Solutions for Domestic Banks](https://elucidate.co/portfolio-assessment-tool) EFI: OUR SCORING ENGINE A financial crime risk benchmark governed by an ISO 42001-certified AI management system Our scoring engine, the Elucidate FinCrime Index (EFI), sets the standard for financial institutions to score and price the risks of money laundering, corruption, tax evasion, trafficking, terrorist financing and more.  DEFENSIBLE Nine scores across a range of risk categories, enable a nuanced FinCrime risk analysis utilizing more than 1200 data points and multiple data sources.  INDEPENDENT Every institution is scored on the same data-driven methodology, so you can trust the impartiality and accuracy of the EFI's scores.  RELIABLE Our ISO 42001-certified AI management system sets governance controls over how the scoring models are built, monitored and changed.  TRANSPARENT With a clear and documented methodology, you have detailed insights in how scores are calculated [Download the Whitepaper](https://elucidate.co/portfolio-assessment-tool) Insights [Compliance](https://elucidate.co/category/compliance) [Beyond the BIC: why we built one directory for banks and regulated payment firms](https://elucidate.co/blog/beyond-the-bic-bank-and-firm-directory) The data behind the Elucidate Bank & Firm Directory—Swift's BIC directory, GLEIF and 22 regulator registers—how we standardise and link it, what it does not show, and why an identification layer is only useful if it is current. ![Elucidate team](https://elucidate.co/images/cms/63d7c2cb253d780626735f5e_60d6050854e1752fb3126319_Author_Elucidate%402x.png) Sep 28, 2026  · 8  min read [Banks](https://elucidate.co/category/banks) [When a bank's answers disagree with itself: internal inconsistencies in the Wolfsberg CBDDQ](https://elucidate.co/blog/internal-inconsistencies-wolfsberg-cbddq-where-risk-hides) Internal inconsistencies in the Wolfsberg CBDDQ are not clerical errors — they are signals. We explain why contradictory answers hide risk pockets, and how to catch them at scale. ![Elucidate team](https://elucidate.co/images/cms/63d7c2cb253d780626735f5e_60d6050854e1752fb3126319_Author_Elucidate%402x.png) Jun 26, 2026  · 6  min read [Compliance](https://elucidate.co/category/compliance) [Elucidate Partners with Ankura to Transform Financial Crime Compliance Through AI-Powered Risk Intelligence](https://elucidate.co/blog/elucidate-partners-with-ankura-to-transform-financial-crime-compliance-through-ai-powered-risk-intelligence) Elucidate announces a strategic alliance with Ankura, combining our AI-driven risk platform with their compliance expertise to deliver real-time intelligence and enhanced detection capabilities for financial crime prevention. ![Elucidate team](https://elucidate.co/images/cms/63d7c2cb253d780626735f5e_60d6050854e1752fb3126319_Author_Elucidate%402x.png) Nov 7, 2025  · 3  min read Discover a better way to manage your correspondent network Access new markets and generate more business opportunities with trusted banking relationships. [Evaluate risk across your network](https://elucidate.co/demo-request)