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Risk, decisions and reports

Every case ends in a decision, and every decision produces a record. This page covers the risk score that guides it, the deeper checks a riskier case gets, how the decision is made, and the reports that follow.

The risk score

When the automatic checks finish, Vindex scores the case from 0 to 100 and gives it one of four ratings. The score weighs the screening results, the countries involved, the customer's declarations, and how the checks came out.

Lowunder 35
Medium35 to 64
High65 to 84
Unacceptable85 and over
The four risk ratings and the scores that lead to them.
Floors
A confirmed sanctions match always rates unacceptable, and a confirmed PEP at least high, whatever else the case shows.
Not a verdict
A check that could not run is missing evidence, not a finding: it lowers confidence rather than raising the score. A possible match is weighed as possible until someone resolves it.
Final rating
The Vindex team sets the final rating with the decision, and may differ from the score.

Enhanced due diligence

EDD is the deeper review a riskier case gets: evidence of the source of funds, and senior approval. It opens automatically when a case rates high, involves a high-risk country, the customer declares they are politically exposed, or the screening returns matches; the Vindex team or a reviewer can also open it by hand.

  1. 1

    The EDD request lists what is needed, and the customer is asked for it.

  2. 2

    The customer responds on their Status page.

  3. 3

    The case returns to the review with the new evidence.

A low-risk case can go the other way: simplified due diligence gives it a shorter path to a decision, with annual monitoring.

The final decision

Use it whenboth opinions are in, from the review teams or accepted from the review agents.

  1. 1

    Open Final Decision. Below the case summary are what the legal and accounting opinions concluded (1).

  2. 2

    If the opinions conflict, name the senior reviewer and explain how the conflict was resolved, then press Resolve conflict.

  3. 3

    Enter your password and press Confirm identity (2).

  4. 4

    Choose the outcome (3) and the final risk rating (4).

  5. 5

    Under the opinions, write the collated approval statement: the decision, the evidence it rests on, and any conditions. Then write the customer message they will see with it.

  6. 6

    Press Publish final decision.

The Final Decision page
Final Decision: (1) the opinions, (2) confirm it is you, (3) the outcome, (4) the final risk rating.

What you will see

The case closed with its outcome. The customer is notified, and the reports below are made and sent.

What counts as a conflict

One team rejecting while the other does not; or both approving with conditions that have nothing in common. Two plain approvals with different notes are not a conflict.

The case report

The case report is the full record of the case, from first form to final decision. The customer and the Vindex team receive the same report, in the same layout; the Vindex team's copy adds the internal parts.

Case report

Contents

  1. 1Executive summary
  2. 2Customer and entity profile
  3. 3Workflow timeline
  4. 4Documents and evidence
  5. 5Identity, liveness and verification
  6. 6Provider checks
  7. 7Screening and match resolution
  8. 8Risk assessment
  9. 9Professional opinions
  10. 10EDD, consent and data rights
  11. 11Review notes and communications
  12. 12Collated statement and final decision
  13. 13Generated artifacts
The case report's sections. The Vindex team's copy adds the audit trail and an admin checklist.
Screening in full
Every possible match, and for each full record: why it is listed, every list and body that names it, its other names and identifiers, its connected parties, and its source links.
Media and source summary
What the news and official pages cited on the records say about the party, read and summarised, with each source's link. LSEG's own adverse media product appears here when the account has it.
Directors and owners
Each person screened in their own right, with their matches.
Only in the Vindex team's copy
The audit trail, internal notes, the admin checklist, and any suspicious activity report. A SAR is never disclosed to the person it concerns.
The first page of a case report
The first page of a case report. Reports carry a testing watermark while the service is in trial.

The outcome letter

The outcome letter is the formal notice of the decision: the outcome and what it means, the risk rating, the date, the conditions, the message to the customer, why the case was opened, and the signatures of the reviewers who gave the opinions. It is made once the decision is recorded.

Report delivery

When a case is approved, the case report and the outcome letter are emailed to the customer's report addresses. They are emailed rather than downloaded, and each report goes to each address once. Customers manage their addresses on Report delivery; see Where your reports go.

Track your caseFollow your case, answer a request from a reviewer, and get the decision and your reports.Security, data and AIWho can see what, the audit trail, where AI is used, and your rights over your data.

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