This page is intended for authenticated users.

Risk Scoring

The Financial Action Task Force (FATF) recommends a risk-based approach as an effective way to combat money laundering and terrorist financing. By adopting a risk-based approach, companies should be able to ensure that measures to prevent or mitigate money laundering and terrorist financing are commensurate with the risks identified, and would enable them to make decisions on how to allocate their own resources in the most effective way. As such, you should customize the risk assessment framework according to your Internal Policies, Procedures and Controls (IPPC) or compliance policy and not rely on the default settings.

The values for the variables selected are taken from your cases and its corresponding transactions.

Retrieve Risk Models

Retrieve all risk models

Request:

curl -X 'GET' \
  'https://api.onehypernet.com/v1/rba/risk-models' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}'

JSON Response:

{
    "data": [
        {
            "risk_model_id": "df2c5481-abac-460d-96cd-900f476907e8",
            "case_type": "corporate",
            "active": true,
            "variables_count": 46,
            "created_at": "2025-05-14T06:46:09.622Z",
            "created_user": {
                "id": "ea553e66-8c77-4d97-8b5c-970a9992e1a1",
                "email": "admin@silvermoneytransfer.com",
                "full_name": "Andy Lim"
            }
        },
        {
            "risk_model_id": "7a3ffdf1-8d2c-41ef-837b-2348a155dc81",
            "case_type": "individual",
            "active": true,
            "variables_count": 55,
            "created_at": "2025-05-05T03:14:06.508Z",
            "created_user": {
                "id": "ea553e66-8c77-4d97-8b5c-970a9992e1a1",
                "email": "admin@silvermoneytransfer.com",
                "full_name": "Andy Lim"
            }
        }
    ],
    "metadata": {
        "total": 2
    }
}

GET /rba/risk-models

This endpoint retrieves all the risk models.

Query Parameters

You can filter via these query parameters.

Parameter	Type	Description
case_type	String	Individual or Corporate
active	Boolean	true or false
limit	Integer	Number of results for pagination

Retrieve a single risk model

Request:

curl -X 'GET' \
  'https://api.onehypernet.com/v1/rba/risk-models-settings?risk_model_id={risk_model_id}' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}'

GET /rba/risk-models-settings?risk_model_id={risk_model_id}

This endpoint retrieves the full details of a single risk model.

Create Risk Model

Create risk model of individual

Request:

curl -X 'POST' \
  'https://api.onehypernet.com/v1/rba/risk-models?caseType=Individual' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}' \
  -H 'Content-Type: application/json' \

POST /rba/risk-model?caseType=Individual

This endpoint expects a complete list of risk variables with their assigned weights, scores, and activation flags. Due to the complexity and length of the payload, users are advised to first retrieve the full editable model.

• GET /rba/risk-models-settings?risk_model_id={risk_model_id}

The code format of each reference list must follow the default format. For example, all codes in "Payment Mode" begins with "PY".

The priority for the scores and overrides for the Screening Index are in this order: Positive, Possible, Unresolved. For example, if there is a Positive match status and an Unresolved match status, the score and the override of the Positive match status will take priority. In short, the score and the override of Unresolved match status is only triggered if there are no other statuses (including False).

Post Parameters

Total weight must be exactly equal to 1.

Variable Type	Variable Name	Reference
Geographical Risk	Nationality	Default Country Index
Geographical Risk	Country of Birth	Default Country Index
Geographical Risk	Country of Residence	Default Country Index
Geographical Risk	ID Issuing Country	Default Country Index
Geographical Risk	Nationality	Corruption Perceptions Index (CPI)
Geographical Risk	Country of Birth	Corruption Perceptions Index (CPI)
Geographical Risk	Country of Residence	Corruption Perceptions Index (CPI)
Geographical Risk	ID Issuing Country	Corruption Perceptions Index (CPI)
Geographical Risk	Nationality	FATF Synthetic Index
Geographical Risk	Country of Birth	FATF Synthetic Index
Geographical Risk	Country of Residence	FATF Synthetic Index
Geographical Risk	ID Issuing Country	FATF Synthetic Index
Geographical Risk	Nationality	Financial Secrecy Index (FSI)
Geographical Risk	Country of Birth	Financial Secrecy Index (FSI)
Geographical Risk	Country of Residence	Financial Secrecy Index (FSI)
Geographical Risk	ID Issuing Country	Financial Secrecy Index (FSI)
Geographical Risk	Nationality	Basel Institute on Governance Anti-Money Laundering Index
Geographical Risk	Country of Birth	Basel Institute on Governance Anti-Money Laundering Index
Geographical Risk	Country of Residence	Basel Institute on Governance Anti-Money Laundering Index
Geographical Risk	ID Issuing Country	Basel Institute on Governance Anti-Money Laundering Index
Client Risk	Industry	Industry Index
Client Risk	Occupation	Occupation Index
Client Risk	Duration as Client	Client Risk Index
Client Risk	New Client	Client Risk Index
Client Risk	ID Expiry	Client Risk Index
Client Risk	ID Uploaded	Client Risk Index
Client Risk	ID Type	Client Risk Index
Client Risk	Networth	Client Risk Index
Operational Risk	Onboarding Mode	Operational Risk Index
Operational Risk	Source of Wealth	Operational Risk Index
Operational Risk	Product Complexity	Product Complexity
Client Risk	Related Entities	Cases
Transactional Risk	Transaction Mode	Transaction Risk Index
Transactional Risk	Payment Mode	Transaction Risk Index
Transactional Risk	Source of Funds	Transaction Risk Index
Transactional Risk	Purpose of Transaction	Transaction Risk Index
Transactional Risk	Beneficial Owner	Transaction Risk Index
Transactional Risk	Currency	Currency Index
Transactional Risk	Behaviour	Transaction Risk Index
Transactional Risk	Average Transaction Amount	Transaction Risk Index
Transactional Risk	Monthly Transaction Volume	Transaction Risk Index
Transactional Risk	Monthly Transaction Frequency	Transaction Risk Index
Screening Risk	Adverse Media	Screening Index
Screening Risk	Enforcement	Screening Index
Screening Risk	Primary PEP	Screening Index
Screening Risk	Secondary PEP	Screening Index
Screening Risk	Sanctions	Screening Index
Screening Risk	SOE	Screening Index
Screening Risk	Associated Entity	Screening Index
Screening Risk	Ownership or Control	Screening Index
Screening Risk	SWIFT BIC Entity	Screening Index
Screening Risk	FATCA Reg Inst	Screening Index
Screening Risk	IHS OFAC Vessels	Screening Index
Screening Risk	IHS Reg Vessels	Screening Index
Screening Risk	Marijuana Reg Bus	Screening Index
Screening Risk	UAE MSB	Screening Index
Screening Risk	US MSB	Screening Index

Create risk model of corporate

Request:

curl -X 'POST' \
  'https://api.onehypernet.com/v1/rba/risk-models?caseType=Corporate' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}' \
  -H 'Content-Type: application/json' \

POST /rba/risk-model?caseType=Corporate

This endpoint expects a complete list of risk variables with their assigned weights, scores, and activation flags. Due to the complexity and length of the payload, users are advised to first retrieve the full editable model.

• GET /rba/risk-models-settings?risk_model_id={risk_model_id}

The code format of each reference list must follow the default format. For example, all codes in "Payment Mode" begins with "PY".

The priority for the scores and overrides for the Screening Index are in this order: Positive, Possible, Unresolved. For example, if there is a Positive match status and an Unresolved match status, the score and the override of the Positive match status will take priority. In short, the score and the override of Unresolved match status is only triggered if there are no other statuses (including False).

Post Parameters

Total weight must be exactly equal to 1.

Type	Name	Reference
Geographical Risk	Country of Incorporation	Corruption Perceptions Index (CPI)
Geographical Risk	Operating Country	Corruption Perceptions Index (CPI)
Geographical Risk	Country of Incorporation	FATF Index
Geographical Risk	Operating Country	FATF Index
Geographical Risk	Country of Incorporation	Financial Secrecy Index (FSI)
Geographical Risk	Operating Country	Financial Secrecy Index (FSI)
Geographical Risk	Country of Incorporation	Basel Institute on Governance Anti-Money Laundering Index
Geographical Risk	Operating Country	Basel Institute on Governance Anti-Money Laundering Index
Client Risk	Entity Type	Client Risk Index
Client Risk	Industry	Industry Index
Client Risk	Secondary Activity	Industry Index
Client Risk	Duration as Client	Client Risk Index
Client Risk	Duration of Incorporation	Client Risk Index
Client Risk	Beneficial owner	Client Risk Index
Client Risk	New Client	Client Risk Index
Client Risk	Layers of Ownership	Client Risk Index
Client Risk	Nominee Directors	Client Risk Index
Client Risk	Staff Strength	Client Risk Index
Client Risk	Location	Client Risk Index
Client Risk	Related Entities	Cases
Operational Risk	Onboarding Mode	Operational Risk Index
Operational Risk	Source of Wealth	Operational Risk Index
Operational Risk	Product Complexity	Product Complexity
Transactional Risk	Transaction Mode	Transaction Risk Index
Transactional Risk	Payment Mode	Transaction Risk Index
Transactional Risk	Source of Funds	Transaction Risk Index
Transactional Risk	Purpose of Transaction	Transaction Risk Index
Transactional Risk	Beneficial Owner	Transaction Risk Index
Transactional Risk	Currency	Currency Index
Transactional Risk	Behaviour	Transaction Risk Index
Transactional Risk	Average Transaction Amount	Transaction Risk Index
Transactional Risk	Monthly Transaction Volume	Transaction Risk Index
Transactional Risk	Monthly Transaction Frequency	Transaction Risk Index
Screening Risk	Adverse Media	Screening Index
Screening Risk	Enforcement	Screening Index
Screening Risk	Primary PEP	Screening Index
Screening Risk	Secondary PEP	Screening Index
Screening Risk	Sanctions	Screening Index
Screening Risk	SOE	Screening Index
Screening Risk	Associated Entity	Screening Index
Screening Risk	Ownership or Control	Screening Index
Screening Risk	SWIFT BIC Entity	Screening Index
Screening Risk	FATCA Reg Inst	Screening Index
Screening Risk	IHS OFAC Vessels	Screening Index
Screening Risk	IHS Reg Vessels	Screening Index
Screening Risk	Marijuana Reg Bus	Screening Index
Screening Risk	UAE MSB	Screening Index
Screening Risk	US MSB	Screening Index

Risk Score and Summary

Retrieve risk score

Request:

curl -X 'GET' \
  'https://api.onehypernet.com/v1/rba/case/{case_id}' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}'

JSON Response:

{
  "variables": [
    {
      "variableType": "Country Risk",
      "variableName": "Nationality",
      "reference": "FATF Synthetic Index",
      "value": "WSM",
      "computedScore": 68.8,
      "adjustedScore": 68.8,
      "override": null,
      "justification": "",
      "contribution": 0.42653440793552383
    },
    {
      "variableType": "Country Risk",
      "variableName": "Country of Residence",
      "reference": "FATF Synthetic Index",
      "value": null,
      "computedScore": null,
      "adjustedScore": null,
      "override": null,
      "justification": "",
      "contribution": null
    },
    {
      "variableType": "Client Risk",
      "variableName": "Beneficial owner",
      "reference": "Binary Index",
      "value": "yes",
      "computedScore": 0,
      "adjustedScore": 0,
      "override": null,
      "justification": "",
      "contribution": 0
    },
    {
      "variableType": "Client Risk",
      "variableName": "New customer",
      "reference": "Binary Index",
      "value": "yes",
      "computedScore": 100,
      "adjustedScore": 100,
      "override": null,
      "justification": "",
      "contribution": 0.15499070055796652
    },
    {
      "variableType": "Client Risk",
      "variableName": "ID type",
      "reference": "Synthetic Index",
      "value": "NRIC (pink)",
      "computedScore": 0,
      "adjustedScore": 0,
      "override": null,
      "justification": "",
      "contribution": 0
    },
    {
      "variableType": "Transactional Risk",
      "variableName": "Transaction mode",
      "reference": "Synthetic Index",
      "value": "In person",
      "computedScore": 0,
      "adjustedScore": 0,
      "override": null,
      "justification": "",
      "contribution": 0
    },
    {
      "variableType": "Transactional Risk",
      "variableName": "Purpose of transaction",
      "reference": "Synthetic Index",
      "value": "Gambling",
      "computedScore": 90,
      "adjustedScore": 90,
      "override": null,
      "justification": "",
      "contribution": 0.13949163050216987
    },
    {
      "variableType": "Transactional Risk",
      "variableName": "Behaviour",
      "reference": "Synthetic Index",
      "value": "Shy",
      "computedScore": 40,
      "adjustedScore": 40,
      "override": null,
      "justification": "",
      "contribution": 0.2479851208927464
    },
    {
      "variableType": "Transactional Risk",
      "variableName": "Remarks",
      "reference": "OpenAI",
      "value": "Rare item",
      "computedScore": 20,
      "adjustedScore": 20,
      "override": null,
      "justification": "",
      "contribution": 0.0309981401115933
    },
    {
      "variableType": "Screening Risk",
      "variableName": "Adverse Media",
      "reference": "Screening Synthetic Index",
      "value": "unresolved",
      "computedScore": 0,
      "adjustedScore": 0,
      "override": null,
      "justification": "",
      "contribution": 0
    },
    {
      "variableType": "Screening Risk",
      "variableName": "Enforcement",
      "reference": "Screening Synthetic Index",
      "value": null,
      "computedScore": null,
      "adjustedScore": null,
      "override": null,
      "justification": "",
      "contribution": null
    },
    {
      "variableType": "Screening Risk",
      "variableName": "Sanctions",
      "reference": "Screening Synthetic Index",
      "value": null,
      "computedScore": null,
      "adjustedScore": null,
      "override": null,
      "justification": "",
      "contribution": null
    },
    {
      "variableType": "Screening Risk",
      "variableName": "Primary PEP",
      "reference": "Screening Synthetic Index",
      "value": "positive",
      "computedScore": 70,
      "adjustedScore": 70,
      "override": "High",
      "justification": "",
      "contribution": 0
    },
    {
      "variableType": "Screening Risk",
      "variableName": "Secondary PEP",
      "reference": "Screening Synthetic Index",
      "value": null,
      "computedScore": null,
      "adjustedScore": null,
      "override": null,
      "justification": "",
      "contribution": null
    }
  ],
  "summary": {
    "adjustedScore": 40.325,
    "adjustedRisk": "High",
    "computedScore": 40.325,
    "computedRisk": "High"
      },
    "risk_model_id": "876skf28-26a7-4075-a30d-e26be7c7d193"
}

GET /rba/case/{case_id}

This endpoint retrieves the risk score of the case.

Adjust score of a variable

curl -X 'POST' \
  'https://api.onehypernet.com/v1/rba/case/{case_id}' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}' \
  -H 'Content-Type: application/json' \
    -d '{
    "variableType": "Country Risk",
    "variableName": "Nationality",
    "reference": "FATF Synthetic Index",
    "adjustedScore": 10,
    "justification": "same operating country"
    }'

POST /rba/case/{case_id}

This endpoint adjusts the score of the risk variable.

Retrieve risk score archive

curl -X 'GET' \
  'https://api.onehypernet.com/v1/rba/case/{case_id}/risk-score-archive' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}' \

JSON Response:

{
    "data": [
        {
            "risk_score_id": "80e2e2bf-aafe-4f7c-baec-bb10ebc9a2cf",
            "risk_model_id": "876dcf28-26a7-4075-a30d-e26be7c7d193",
            "adjusted_score": 31,
            "adjusted_risk": "Medium",
            "computed_score": 31,
            "computed_risk": "Medium",
            "created_at": "2025-05-31T02:30:37.076Z"
        },
        {
            "risk_score_id": "05b137fb-20f6-470e-8201-725ff08e23d5",
            "risk_model_id": "876dcf28-26a7-4075-a30d-e26be7c7d193",
            "adjusted_score": 27,
            "adjusted_risk": "Medium",
            "computed_score": 27,
            "computed_risk": "Medium",
            "created_at": "2025-05-31T02:30:00.271Z"
        }
    ],
    "total": 2
}

GET /rba/case/{case_id}/risk-score-archive

This endpoint retrieves the risk score archive of a case.

Retrieve a specific risk score archive

curl -X 'GET' \
  'https://api.onehypernet.com/v1/rba/risk-score-archive/{risk_score_id}' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}' \

JSON Response:

{
    "risk_score_id": "80e2e2bf-aafe-4f7c-baec-bb10ebc9a2cf",
    "case_id": "8b75b31f-9559-4b13-889d-1d454b339159",
    "risk_model_id": "876dcf28-26a7-4075-a30d-e26be7c7d193",
    "adjusted_score": 31,
    "adjusted_risk": "Medium",
    "computed_score": 31,
    "computed_risk": "Medium",
    "breakdown": [
        {
            "value": "Default Score",
            "override": null,
            "reference": "Default Country Index",
            "contribution": 0.2603415559772296,
            "variableName": "Nationality",
            "variableType": "Geographical Risk",
            "adjustedScore": 70,
            "computedScore": 70
        },
        {
            "value": "Default Score",
            "override": null,
            "reference": "Occupation Index",
            "contribution": 0.13946869070208728,
            "variableName": "Occupation",
            "variableType": "Client Risk",
            "adjustedScore": 50,
            "computedScore": 50
        },
        {
            "value": "31-May-2025",
            "override": null,
            "reference": "Client Risk Index",
            "contribution": null,
            "variableName": "Duration as Client",
            "variableType": "Client Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": "Yes",
            "override": "",
            "reference": "Client Risk Index",
            "contribution": 0.27893738140417457,
            "variableName": "New Client",
            "variableType": "Client Risk",
            "adjustedScore": 100,
            "computedScore": 100,
            "justification": ""
        },
        {
            "value": "Default Score",
            "override": null,
            "reference": "Client Risk Index",
            "contribution": 0.13946869070208728,
            "variableName": "ID Type",
            "variableType": "Client Risk",
            "adjustedScore": 50,
            "computedScore": 50
        },
        {
            "value": "Default Score",
            "override": null,
            "reference": "Operational Risk Index",
            "contribution": 0.1859582542694497,
            "variableName": "Onboarding Mode",
            "variableType": "Operational Risk",
            "adjustedScore": 50,
            "computedScore": 50
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Average Transaction Amount",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Monthly Transaction Volume",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Monthly Transaction Frequency",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Payment Mode",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Currency Index",
            "contribution": null,
            "variableName": "Currency",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Transaction Mode",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Purpose of Transaction",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": null,
            "override": null,
            "reference": "Transaction Risk Index",
            "contribution": null,
            "variableName": "Source of Funds",
            "variableType": "Transactional Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": "No matches",
            "override": null,
            "reference": "Screening Index",
            "contribution": null,
            "variableName": "Adverse Media",
            "variableType": "Screening Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": "No matches",
            "override": null,
            "reference": "Screening Index",
            "contribution": null,
            "variableName": "Enforcement",
            "variableType": "Screening Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": "No matches",
            "override": null,
            "reference": "Screening Index",
            "contribution": null,
            "variableName": "Sanctions",
            "variableType": "Screening Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": "No matches",
            "override": null,
            "reference": "Screening Index",
            "contribution": null,
            "variableName": "Primary PEP",
            "variableType": "Screening Risk",
            "adjustedScore": null,
            "computedScore": null
        },
        {
            "value": "No matches",
            "override": null,
            "reference": "Screening Index",
            "contribution": null,
            "variableName": "Secondary PEP",
            "variableType": "Screening Risk",
            "adjustedScore": null,
            "computedScore": null
        }
    ],
    "created_at": "2025-05-31T02:30:37.076Z"
}

GET /rba/risk-score-archive/{risk_score_id}

This endpoint retrieves the a specific risk score archive of a case.

Generate AI summary

curl -X 'GET' \
  'https://api.onehypernet.com/v1/rba/case/{case_id}/summary' \
  -H 'accept: application/json' \
  -H 'Authorization: Bearer {token}' \

JSON Response:

{
  "summary": "Nationality: The high risk score of 90 indicates that the customer's nationality poses a significant risk factor. Non-Singaporean nationalities typically increase the risk due to challenges in verifying the customer's identity and background, especially in cross-border transactions. Different countries have varying levels of compliance with international standards set by organizations like FATF, which can impact the overall risk level associated with customers from those countries.\n\nCountry of Residence: As the country of residence is not provided in this case, it is assumed to be non-Singaporean. This lack of information increases the risk as it adds complexity to verifying the customer's identity and conducting due diligence checks. Depending on the country of residence, there may be additional challenges related to regulatory compliance and anti-money laundering measures.\n\nSummary: The overall risk assessment for this pawn transaction is classified as high risk, with a score of 96. The primary contributing factor to this high risk level is the customer's non-Singaporean nationality, which presents challenges in verification and due diligence processes. Additionally, the absence of information regarding the customer's country of residence further complicates risk assessment and regulatory compliance efforts."
}

GET /rba/case/{case_id}/summary

This endpoint triggers our AI model to generate a risk assessment summary of the case.