Client Compliance Status card
In brief: How to read the file-completeness card on each client profile.
Drops on every client profile (Profile tab, near the top). Tells the staff member working on this client exactly what's missing from the file.
How it differs from the dashboard card
- Compliance Health (dashboard): Are we compliant? — senior partners.
- MLRO Queue (sidebar): What do I action today? — MLRO.
- Client Compliance Status (this card): Is this file complete? — staff on the case.
Same scoring shape, different scope. Together they're the compliance trinity.
The 10 factors
| Factor | Weight | Cites |
|---|---|---|
| Identity verified | 15 | MLR reg 28(2)(a) |
| AML screening completed | 15 | MLR reg 28(2)(b) |
| AML hits dispositioned | 10 (or N/A if no checks) | AMLGAS ch.5 + POCA s.330 |
| Risk assessment scored | 15 | MLR reg 28(2)(c) |
| Risk assessment current | 10 (or N/A if no score) | MLR reg 28(11) |
| EDD narrative recorded | 10 (or N/A if not HIGH) | MLR reg 33 / 35 |
| Source of funds declared | 10 (or N/A if not HIGH) | MLR reg 35(5)(b) |
| No open material-change flag | 10 | MLR reg 28(11)(b) |
| Beneficial owners recorded | 15 (or N/A for individuals) | MLR reg 28(10) |
| Country risk acknowledged | 5 | MLR reg 33(1)(b) |
How N/A factors work
Factors that don't apply (EDD for low-risk clients, BOs for individuals) appear in the list with a muted icon but don't count toward the denominator. So a HIGH-risk individual is scored out of ~85 points (not 100), and the percentage you see is calculated against the applicable maximum only.
This means an individual client without EDD-applicable risk can hit 100% without ever needing EDD or SoF — by design.
How to improve a client's score
Click the factor row to be told what's missing, then go fix it on the relevant tab of the client profile. Most factors have a single obvious action:
- Identity not yet verified → click "Start TruePersona check"
- No AML check on file → AML tab → "Run AML screening"
- HIGH-risk client without EDD narrative → Risk assessment tab → EDD textarea at the bottom
- No SoF declaration → Source of Funds section
- No beneficial owners recorded (business clients) → Beneficial Owners section
How auditors use it
Auditors love this card because it's a direct map from the regulator's requirements to what's done on this specific file. Pull up any client during an inspection visit and you can answer "is this file complete?" in 5 seconds.
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