BSA risk scoring is an important control for ensuring that the risk profile for your customer base is appropriately scored based on the inherent nature of the customer risk and the residual nature of that customer risk based on various factors.  The risk scoring should be manageable, practical and effectively represent the risks associated with your total customer base to ensure that ongoing enhanced due diligence is performed accurately and timely based on the associated risks with each high-risk customer.

This risk webinar will take attendees through the purpose of risk scoring, implementation of leading business practices for scoring your customer base, and regulatory expectations for reviewing and enhancing these risk scores.

Topics Covered:

  • Defining Customer Risk Scoring
  • Regulatory Requirements and Expectations;
  • Difference between Inherent Risk Scoring and Residual Risk Scoring;
  • Implementation of Procedures for Changing/Enhancing Risk Scoring;
  • Important Guidance when changing your risk scoring methodology;
  • Procedures to include in your BSA Program on risk scoring.


  • Terri Sands

    Terri Sands

    Secura Risk Management / Founder

    Throughout her career, Terri has served as a leader in the payments and fraud prevention industry, providing education, risk management and compliance consulting and support services geared toward the specific needs of financial organizations. Terri is an Advanced Certified Anti-Money Laundering Specialist, an At-Risk Adult Crime Specialist and an Accredited ACH Professional. Prior to founding Secura, Terri served as co-founder of Payments Information Circle (PIC), a service organization providing payments industry education, auditing, consulting, resources, and support services to financial organizations throughout the country. Prior to her work at PIC, Terri also served as the President of GACHA, a non-profit, regional payments association where she provided strategic direction for financial institutions in the payments industry. Terri began her career in payments as a Senior Analyst with the Federal Reserve Bank of Atlanta where she provided training throughout the Sixth District and served on the Federal Reserve ACH Conversion Team that consolidated ACH Services for all branch locations in the Sixth District.


1.0 CPE Credits & 1.2 AAP Credits